Nitin Eknath Misal
Cluster Collection Manager
Aurangabad
Summary
Dedicated professional with a strong intellect and extensive knowledge resources, aiming to contribute significantly to organizational growth and development.
Overview
19
19
years of professional experience
2005
2005
years of post-secondary education
3
3
Languages
Work History
CLUSTER COLLECTION MANAGER
VISTAAR FINANCIAL SERVICES PVT. LTD
10.2017 - Current
- Company Overview: (Hypothecation loan & Mortgage Loan)
- Team size 13 Collection officers
- X BKT-98.50% ON POS
- 1 BKT -90% ON POS
- 2 BKT -98% ON POS
- NPA- 15% ON POS
- Taking daily reporting from Branch Collection Manager, Collection officers, Customer relation officer Branch Managers & Credit Managers
- Report to State Head-Collection as Daily basis, Also Credit & Business heed as per requirement
- Also reporting to Nation Collection Head
- Visiting chronicle case on field mostly BKT-2 & NPA
- Every month first week awareness calling to customer by credit manager & Branch Managers
- Taking legal support for close the case, for this activities every month security PDC list sent to Head office
- After SPDC receiving deposited in bank, taking cheque bounce memo handover to legal retainer for action
- (Hypothecation loan & Mortgage Loan)
CLUSTER COLLECTION MANAGER
VISTAAR FINANCE SERVICES LTD
11.2015 - 11.2016
- Company Overview: (Hypothecation loan & Mortgage Loan)
- Working in Kolhapur, Sangli, Ratnagiri, Palus, Gadhinglaj, Ichalkaranji
- Team size 18 Collection officer & 22 Customer relationship Officer
- X-BKT-98% EFFICIENCY
- 30 DPD-90% ON POS
- 60 DPD -85% ON POS
- 90 DPD -98% ON POS
- NPA- 25% ROLL BACK ON POS
- Taking daily reporting from Collection officers, Customer relation officer Branch Managers & Credit Managers
- Report to State Head-Collection, Credit & Business on Daily basis
- Also reporting to Nation Collection Head
- Visiting chronicle case on field mostly 60, 90 & NPA
- Every month first week awareness calling to customer by credit manager & Branch Managers
- Taking legal support for close the case, for this activities every month security PDC list sent to Head office
- After SPDC receiving deposited in bank, taking cheque bounce memo handover to legal retainer for action
- (Hypothecation loan & Mortgage Loan)
TERRIOTARY COLLECTION MANAGER
TVS CREDIT SERVICES LTD
09.2014 - 11.2015
- Working in Aurangabad, Jalna & Beed location
- Team size 10 collector & 3 agencies
- We are seiz vehicle in bkt 1-6 bkt
- Bucket efficiency 0 bkt -95%, 1-bkt-85%, 2-bkt-80% & 3 bkt-95% & 4 bkt -6 bkt-30%
- Flow control in all bucket
- Collector & Agencies maintain bkt efficiency
- Repossessed vehicle sold within 15 days
- Daily cash collection updation in system
- Reporting to Area collection manager and Zonal manager, also sales area manager
- Maintaining to receipts books stock & issuing to agencies / executives, Audit report send every month to ACM & ASM
- Receipt book custodian to my self
- Cases assigning to agency & executives
- Review to agencies & executives on every Saturday
ASSISTANT COLLECTION MANAGER
HDFC BANK LTD
01.2014 - 04.2014
- Working in Jalna location
- Team size 4 collection executive
- Handle Tractor collection & Kisan Gold Card loan
- Bucket efficiency 0 bkt -95%, 1-bkt-85%, 2-bkt-80%
- Flow control in all bucket, Hence no single cases appear in +6 bkt in my tenure
TERRIOTARY COLLECTION MANAGER
TVS CREDIT SERVICES LTD
08.2012 - 01.2014
- Working in Aurangabad location
- Team size 4 collector & 2 agencies
- We are seiz vehicle in bkt 1-3 bkt
- Bucket efficiency 0 bkt -95%, 1-bkt-85%, 2-bkt-80% & 3 bkt-95%
- Flow control in all bucket
- Collector & Agencies maintain bkt efficiency
- Repossessed vehicle sold within 15 days
- Daily cash collection updation in system
- Reporting to Area collection manager and Zonal manager, also sales area manager
- Maintaining to receipts books stock & issuing to agencies / executives, Audit report send every month to ACM & ASM
- Receipt book custodian to my self
- Cases assigning to agency & executives
- Review to agencies & executives on every Saturday
BRANCH MANAGER
MAS FINANCIAL SERVICES LTD
08.2011 - 08.2012
- Handle Aurangabad & jalna location
- Handling sales team, FI team, Collection team & Branch Staff
- Achieving Sales target & collection target monthly
- Customer care issue handle
- Receipt book management & Audit monthly
- Assign proper cases to agency
- Regular visit dealer for Business CV, TW, HOME LOAN & CONSUMER DURABLE
Collection Manager
BAJAJ FINSERV LENDING
01.2006 - 07.2011
- Company Overview: (BAJAJ AUTO FINANCE LTD)
- Handle various location like Aurangabad, Jalna, Parbhani & Nanded
- Handling team and handling collection agencies inhouse team min 10 to 15
- Achieving monthly seizing target, after vehicle seize update seizing entry in software
- Seizing vehicle stock sold-off within month through bidding local vendor
- Flow control & bucket efficiency to maintain every month
- Maintaining stock of repossessed and sold Achieving target’s
- Collections for two wheeler, three wheeler, consumer durable, personal loan
- Reporting to Area collection manager and regional manager, every needed report send & maintain in branch
- Maintaining to receipts books & issuing agencies / executives, Audit report send every month to ACM & RCM
- Receipt book custodian to my self
- Cases assigning to agency & executives
- Review to agencies & executives
- (BAJAJ AUTO FINANCE LTD)
Education
Bachelor of Arts -
Dr. Babasaheb Ambedkar Marathwada University
Skills
MS Office
Personal Information
- Date of Birth: 07/03/80
- Marital Status: Married
Timeline
CLUSTER COLLECTION MANAGER
VISTAAR FINANCIAL SERVICES PVT. LTD
10.2017 - Current
CLUSTER COLLECTION MANAGER
VISTAAR FINANCE SERVICES LTD
11.2015 - 11.2016
TERRIOTARY COLLECTION MANAGER
TVS CREDIT SERVICES LTD
09.2014 - 11.2015
ASSISTANT COLLECTION MANAGER
HDFC BANK LTD
01.2014 - 04.2014
TERRIOTARY COLLECTION MANAGER
TVS CREDIT SERVICES LTD
08.2012 - 01.2014
BRANCH MANAGER
MAS FINANCIAL SERVICES LTD
08.2011 - 08.2012
Collection Manager
BAJAJ FINSERV LENDING
01.2006 - 07.2011
Bachelor of Arts -
Dr. Babasaheb Ambedkar Marathwada University
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