Pankaj Kaushik
Panchkula
Summary
Detail-oriented Collections Manager familiar with regulatory and legal guidelines addressing collections procedures. Establishes effective department workflow and maximizes employee compliance, productivity and success in resolving payment issues. Ambitious Collections Manager desiring to help companies get more money owed using tried and true tactics that work effectively. Eager to take on high-volume operations in Banking industry.
Overview
6
6
years of professional experience
Work History
Collections Manager
Bank of Baroda
07.2022 - Current
- Trained and mentored new employees on collection methods, documentation requirements and performance strategies.
- Researched accounts and completed due diligence to resolve collection problems.
- Supervised staff of collectors, monitoring phone calls and letters.
- Contacted customers to discuss late payments and options for remitting amounts due.
- Reviewed, researched and corrected discrepancies and customer concerns.
- Conducted investigations of customer accounts and payment histories.
- Worked with legal resources and recovery teams to manage default issues.
- Monitored accounts receivable aging and worked with various areas to address business needs.
- Collaborated on collection and dispute resolution issues.
Recovery Officer
Bank of Baroda
06.2019 - 07.2022
- Exceptionally strong communication and negotiation skills.
- Managing and overseeing the recovery of non-performing assets, conducting investigations and due diligence, developing recovery strategies, negotiating settlements, and ensuring compliance with relevant regulations.
- Have achieved reduction in NPA by 40% of the assigned portfolio of 5 branches during my tenure as Recovery Task Force Officer in Bank.
- Legal knowledge and understanding of relevant laws, regulations, and legal proceedings related to asset recovery, including foreclosure procedures, SARFAESI and debt recovery mechanisms.
- Capable to collaborate with legal teams, external agencies, and internal stakeholders to achieve common goals.
Branch Operations Officer
Bank of Baroda
05.2017 - 06.2019
- Maintained scheduling for main branch to keep shifts appropriately staffed.
- Reviewed new accounts for required documentation.
- Monitored performance and completed appraisals for direct reports.
- Developed and implemented strategies to deliver quality customer service.
Education
Bachelor In Technology - Electronics And Communications Engineering
Maharishi Markandeshwar University
Mullana, Ambala06.2013
Skills
- Past Due Balance Management
- Past Due Procedures
- Performance Strategies
- Managing Defaults
- Superior Attention to Details
- Scripted Conversations
- Persuasion Techniques
- Negotiation and Resolution
- Court Proceedings
- Persuasive Negotiations
Timeline
Collections Manager
Bank of Baroda
07.2022 - Current
Recovery Officer
Bank of Baroda
06.2019 - 07.2022
Branch Operations Officer
Bank of Baroda
05.2017 - 06.2019
Bachelor In Technology - Electronics And Communications Engineering
Maharishi Markandeshwar University
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