PAWAN KUMAR
New Delhi
Summary
Experienced collections and recoveries specialist with 17 years in NPA management across banks and NBFCs. Focused on managing complex portfolios, particularly LAP NPAs in Haryana and Punjab. Demonstrated ability to enhance recovery efficiency and reduce GNPA through legal recovery expertise under NI Act 138 and arbitration.
Overview
13
13
years of professional experience
Work History
Divisional Receivable Manager
Kogta Financial Ltd.
07.2021 - Current
- Handled high-value LAP NPA portfolio for Haryana & Punjab region, driving targeted recovery efforts
- Managed 20 Cr NPA portfolio across Wheels and LAP segments, enhancing recovery strategies in multiple regions
- Led team of 3 Branch Managers and 10+ Recovery Officers to drive performance improvements
- Drove bucket-wise recovery strategy and reduced GNPA through targeted collection initiatives
- Conducted repossession drives and coordinated legal proceedings for asset recovery
- Negotiated One-Time Settlements (OTS) for faster closures and improved recovery rates
- Monitored roll rates and delinquency trends to inform recovery targets and optimize portfolio performance
- Implemented strategies to manage and reduce delinquency rates in portfolio.
- Oversaw management of portfolio to optimize asset performance and recovery.
- Engaged with stakeholders to foster collaboration and support recovery initiatives.
- Executed field recovery operations to collect outstanding debts directly.
- Streamlined processes to enhance efficiency in recovery operations.
- Tracked performance metrics to assess effectiveness of recovery strategies.
- Prepared MIS reports for Zonal and HO management to support data-driven decision making
Deputy Manager
Axis Bank
11.2020 - 07.2021
- Managed agri loan collections and implemented measures to control delinquency rates
- Developed recovery strategies while effectively managing relationships with stakeholders
- Managed daily operations of branch activities and ensured compliance with regulations.
- Led a team of associates to deliver exceptional customer service experiences.
- Developed and implemented strategies to enhance branch performance and efficiency.
Deputy Manager
Kotak Mahindra Prime
08.2018 - 11.2020
- Managed auto loan collections and repossession operations across assigned territories to ensure compliance and recovery goals
- Led field recovery teams, enhancing performance metrics through targeted interventions and strategic training
- Managed daily branch operations and ensured compliance with banking regulations.
- Supervised staff training and development to enhance customer service skills.
- Coordinated loan processing and documentation for client applications.
Collection Manager
Home Credit
01.2017 - 08.2018
- Managed collections team to ensure timely account follow-ups.
- Implemented process improvements and trained team to elevate overall performance
- Developed strategies to improve debt recovery processes.
- Managed recovery agencies, optimizing collection processes to enhance efficiency
- Oversaw training and mentoring of new collections staff.
Team Leader
Tri Shakti Services
08.2014 - 01.2017
- Led collection teams, monitoring daily performance to ensure targets were met
- Coordinated daily operations to ensure efficient workflow and task completion.
- Led team meetings to discuss project updates and address challenges.
- Coordinated with clients and stakeholders to address and resolve collection issues
- Trained new employees on company policies and operational procedures.
Supervisor
Faction Management Services
01.2013 - 08.2014
- Supervised daily operations to ensure efficient workflow and quality service.
- Trained and mentored team members on company policies and procedures.
- Coordinated schedules to optimize staff coverage and resource allocation.
- Coordinated field collections and repossession operations to ensure compliance with legal standards.
Education
Master of Arts - History
Sunrise University
Alwar 07-2023
Bachelor of Arts - Hindi
Ku University
Raipur04-2014
Skills
- Portfolio Management
- Collections
- Debt Settlement
- Repossessions
- Delinquency Control
- Portfolio Recovery Strategy
- Risk Assessment
- Operational Strategy
- Process Optimization
- Performance Metrics
- Team Leadership
- Stakeholder Management
- Legal Coordination
- MIS Reporting
Accomplishments
- Managed 20 Cr+ NPA portfolio across multiple regions, driving bucket-wise recovery strategy to reduce GNPA
- Led team of 3 Branch Managers and 10+ Recovery Officers to improve collection efficiency and performance metrics
- Implemented One-Time Settlements (OTS) for faster closures and improved recovery rates
Timeline
Divisional Receivable Manager
Kogta Financial Ltd.
07.2021 - Current
Deputy Manager
Axis Bank
11.2020 - 07.2021
Deputy Manager
Kotak Mahindra Prime
08.2018 - 11.2020
Collection Manager
Home Credit
01.2017 - 08.2018
Team Leader
Tri Shakti Services
08.2014 - 01.2017
Supervisor
Faction Management Services
01.2013 - 08.2014
Master of Arts - History
Sunrise University
Bachelor of Arts - Hindi
Ku University