Pankaj Kumar Pandey
Navi Mumbai
Summary
Dynamic Debt Manager with a proven track record at IDFC First Bank Ltd., excelling in portfolio management and recovery, reducing NPAs significantly. Skilled in MS Office and adept at leading teams to exceed targets. Showcases innovative problem-solving and exceptional communication, ensuring compliance and enhancing debt portfolio performance.
Overview
7
7
years of professional experience
Work History
Debt Manager
IDFC first bank ltd.
Mumbai
09.2021 - Current
- To look after the entire portfolio of Mumbai for BKT X to write off in the CV product.
- To reduce delinquency and decrease the number of NPAs from the portfolio.
- To allocate delinquent cases among FOs, as per their ACR.
- Publishing FO's wise scorecard and comparing it with SDLM to meet the monthly target.
- Solving and settling various write-off cases, skip tracing of customers.
- Filing legal actions to default customers with the help of the legal team.
- To manage repo agencies and billing tracking, along with the seizing of vehicles as per requirement.
- Average repossession of 15 to 20 assets per month in Mumbai.
- Team handling of nine members and One collection agency.
- Monitored debt portfolio performance to ensure compliance with regulatory requirements.
- Created comprehensive models that simulated the impact of different debt scenarios over time.
Assistant Relationship Manager
Shriram transport finance co. ltd.
Jabalpur
02.2018 - 08.2021
- To look after entire portfolio of Jabalpur Branch for Month-due- collection along with various expenses such as CBC etc For CV, Passenger car, CE customers
- To reduce delinquency and decrease it, no of NPA's from portfolio
- To look after the collection in non-starter cases, including skip cases.
- Solving and settling various mature cases and legal cases (seized and sold) while maintaining the W-IRR of the company, including expenses.
- Involving in various court activities such as Section 138 Sec 125, Section17, Section9 etc from EP file upto stage of distrainment
- Visiting with in-house executives in various infinity bucket cases.
- Team handling of four members.
Education
B.E - MECHANICAL
GURU RAMDAS KHALSA INSTITUTE OF SCIENCE & TECHNOLOGY
Jabalpur01.2017
SSC -
DELHI PUBLIC SCHOOL
Nigahi01.2013
HSC -
D.A.V PUBLIC SCHOOL
Jayant01.2011
Skills
- Good leadership Quality
- Innovative
- Adaptability
- Fluent communication skills
- Smart and Hard worker
- Attention to details
- Debt management
- Portfolio Management
- Recovery and collection in Hard bucket
- Seized & Sold cases
- Technical skills - MS Office
- Time management
- Debt management planning
Hobbies and Interests
- Traveling - Exploring New Places.
- Listening Music.
Languages
- English
- Hindi
Extracurricular Activities
Participated in workshop of Personality Development conducted by Nidan skill & training centre in 2017. Completed Vocational Training At Northern Coalfield Limited (Government Company) Nigahi Project of 1 Month On Heavy Earth Moving Machines in 2016. Participated In Mathologia conducted by MS Tronix in 2014-2015.
Personal Information
- Father's Name: Mr. Santosh Kumar Pandey
- Date of Birth: 11/10/95
- Gender: Male
- Nationality: Indian
Timeline
Debt Manager
IDFC first bank ltd.
09.2021 - Current
Assistant Relationship Manager
Shriram transport finance co. ltd.
02.2018 - 08.2021
B.E - MECHANICAL
GURU RAMDAS KHALSA INSTITUTE OF SCIENCE & TECHNOLOGY
SSC -
DELHI PUBLIC SCHOOL
HSC -
D.A.V PUBLIC SCHOOL
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