Pankaj Singh Rathour

Work History

Area Collection Manager

Sitara Housing Finance

10.2023 - Current

Conducted regular account reviews, ensuring accuracy and compliance with established policies and procedures.
Collaborated with other departments to identify risk factors and develop targeted action plans to address them.
Implemented training programs for new hires, ensuring consistent practices across the department.
Evaluated staff development needs through regular performance assessments, offering opportunities for growth within the organization.
Contributed to overall company strategy discussions regarding revenue generation and cost reduction methods.
Provided excellent customer service, resolving disputes promptly and professionally to maintain client satisfaction levels.
Negotiated payment arrangements with customers in financial distress, maintaining client relationships while recovering outstanding balances.
Reduced delinquency rates by proactively addressing customer payment issues and providing tailored solutions.
Managed a diverse team of collectors for optimal performance and increased success rates.
Coordinated interdepartmental efforts to streamline billing cycles and reduce debtor days.
Improved collection efficiency by implementing effective strategies and streamlining processes.
Promoted a culture of accountability and professionalism among the team members.
Monitored team performance, providing feedback and coaching to enhance productivity and effectiveness.
Established goals for the team based on historical data analysis, driving continuous improvement in overall performance metrics.
Monitored accounts receivable aging and worked with various areas to address business needs.

Branch Collection Manager

SBFC Finance Ltd

02.2021 - 08.2023

Improved branch collection efficiency by implementing innovative strategies and closely monitoring team performance.
Consistently exceeded branch collection targets by closely monitoring team performance, providing coaching and guidance when needed.
Optimized resource allocation, prioritizing high-value accounts for quicker resolution of outstanding balances.
Collaborated on collection and dispute resolution issues.
Designed and maintained financial models to identify and measure risks.
Implemented rigorous follow-up procedures to ensure timely payments from customers experiencing financial difficulties.
Ensured compliance with regulatory requirements and industry best practices related to debt collection processes and procedures.
Mentored junior staff members on effective negotiation techniques, resulting in increased successful payment arrangements with customers in arrears.
Enhanced overall customer satisfaction levels by ensuring that all communication with delinquent borrowers was conducted professionally and courteously, maintaining a positive brand image throughout the collection process.
Streamlined the collections process for faster debt recovery and reduced delinquency rates.

Customer Manager Collection

Mahindra Housing Finance Ltd.

09.2020 - 01.2021

Established performance and service goals and held associates accountable for individual performance.
Built client relationships by responding to inquiries, identifying and assessing clients' needs, resolving problems, and following up with potential and existing clients.
Handled complaints, provided appropriate solutions, and alternatives within appropriate timeframes and followed up to achieve resolution.
Improved customer satisfaction by addressing and resolving complaints promptly and professionally.

Collection Officer

Adhar Housing Finance Ltd

06.2018 - 09.2020

Improved debtor relations through effective dispute resolution strategies, cultivating trust among clients and colleagues alike.
Contacted delinquent members by phone, email and mail to determine reasons for delinquency.
Conducted thorough investigations to locate hard-to-find debtors, leading to successful recoveries.
Utilized strong communication skills to handle difficult conversations with customers, maintaining professionalism and empathy.
Worked closely with delinquent members to develop plan of payment in order to rectify outstanding accounts.
Negotiated payment arrangements with clients, resulting in increased revenue for the company.
Collaborated with team members to identify new tactics and improve overall collection success rates.
Utilized sharp research skills to track down delinquent account information.
Educated customers on credit policies and potential consequences of non-payment, promoting responsible financial behavior.
Documented all daily collections and delinquent account activities by uploading information to company's database.

Collection Officer

HDB Finance Ltd

02.2016 - 05.2018

Enhanced debt recovery by implementing efficient collection strategies and techniques.
Participated in continuous professional development opportunities, staying current on industry best practices related to collections and debt recovery.
Collaborated with team members to identify new tactics and improve overall collection success rates.
Conducted thorough investigations to locate hard-to-find debtors, leading to successful recoveries.
Improved debtor relations through effective dispute resolution strategies, cultivating trust among clients and colleagues alike.
Utilized strong communication skills to handle difficult conversations with customers, maintaining professionalism and empathy.
Documented all daily collections and delinquent account activities by uploading information to company's database.
Educated customers on credit policies and potential consequences of non-payment, promoting responsible financial behavior.
Worked closely with delinquent members to develop plan of payment in order to rectify outstanding accounts.

Summary

Overview

Work History

Area Collection Manager

Branch Collection Manager

Customer Manager Collection

Collection Officer

Collection Officer

Education

B.Com - Business Administration, Financial Analysis

Senior Secondary School - Economics

Skills

Additional Information

Languages

Timeline

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