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PINKU KUSHWAHA
ETAWAH
Summary
Results-oriented Collection Manager with extensive experience in driving recoveries and improving portfolio quality through strategic planning and problem-solving. Expertise in agency management and customer complaint resolution fosters strong stakeholder relationships while ensuring compliance. Background in sales management suppoRevisedts strategic business growth and effective product marketing. Cultivates productive client relationships through tailored solutions and engagement.
Overview
13
13
years of professional experience
Work History
Collection Manager
Axis Bank Ltd.
2025.05 - Current
- Controlled NPA and improved portfolio quality by tracking bucket-wise resolution rates and driving corrective action plans.
- Improved timely recovery and reduced roll-forward across business loan collections in R30, R60, and R90 delinquency buckets.
- Strengthened compliance and consistency in collection agency operations through allocation control and performance monitoring.
- Delivered clear portfolio health updates to senior management through regular review of collection MIS with internal stakeholders.
- Protected collection activity integrity by following regulatory and fair practice norms throughout the process.
- Developed and maintained strong relationships with clients to facilitate payment collections.
- Conducted credit risk assessments on new and existing customers.
- Assisted in the creation and implementation of policies and procedures for the collections department.
Area Sales Manager
Axis Bank Ltd.
2023.07 - 2025.04
- Led team of 25+ employees through structured mentoring and training, enhancing overall performance
- Established team goals, monitored performance, and conducted regular evaluations to ensure alignment with objectives
- Resolved conflicts and fostered a positive, productive work environment
- To meet with the client and procure the business of the Mortgage ,Retail Agri Loan, AIF, Working capital,Poultry,LAP etc
- Target Achievement- To ensure that the sales target given by authorities is achieved within a stipulated time period.
- To promote Bank products -Saving accounts, Current accounts, Fixed Deposits.
- Managed management information system to track performance metrics
- Built and maintained strong business relationships with clients.
- Coordinated with branch and met all branch target. Managing a sales team
Relationship Manager
HDFC Bank Ltd.
2014.04 - 2023.07
- Sold diverse banking products, enhancing customer access to Personal Loans, Auto Loans, Two-Wheeler Loans, Tractor Loans, Working Capital, Retail Agri Loans, and LAP.
- Facilitated positive interactions with visitors, improving customer satisfaction and fostering loyalty.
- Maintained accurate records, ensuring compliance with audit standards and facilitating smooth operational processes.
Education
B.Sc. -
Chhatrapati Sahu Ji Maharaj University
2011-01
Intermediate -
Uttarakhand Board
Dehradun2008-01
Skills
- Collection management
- Banking expertise and coordination
- Strategic planning
- Innovative problem-solving
- Customer complaint resolution
- Communication skills
- NPA control
- Agency management
- Sales forecasting
- MIS reporting
- Portfolio analysis
- Team leadership
- Conflict resolution
- Problem solving
- Sales team supervision
PERSONAL DETAILS
Date of Birth : 20th October 1989
Permanent Address : C/o Mr. Shiv Kumar Near K.N Public School Kunwara Bharthana Etawah-206242
Marital Status : Married
Language Known : English, Hindi.
Timeline
Collection Manager
Axis Bank Ltd.
2025.05 - Current
Area Sales Manager
Axis Bank Ltd.
2023.07 - 2025.04
Relationship Manager
HDFC Bank Ltd.
2014.04 - 2023.07
B.Sc. -
Chhatrapati Sahu Ji Maharaj University
Intermediate -
Uttarakhand Board