Summary
Overview
Work History
Education
Skills
Certification
Additional Information
Languages
Timeline
DeliveryDriver

PRAMOD KUMAR TIWARI

Summary

Dedicated and goal oriented professional with an outperformed track record of over 11+ years' experience In high pressure, team atmospheres in the BFSI / NBFC industry. Strong team leader with clear record of success meeting revenue and staff retention goals. Possesses a profound understanding and knowledge of Sales, Collections, and Operations, with a focus on vehicle finance industry regulations, regulatory compliance, and process-driven methodologies.Proven ability to communicate effectively and build relationships, ensuring high-yield collections. Demonstrates proficiency in data processing and delivering impactful presentations. Cooperative and supportive with a creative approach to problem-solving, prioritizing tasks proactively. Strong interpersonal and communication skills to engage with employees and customers. Command of technology, MS excels analytical mindset, and data-driven decision-making. Strong knowledge of local markets, Establishes effective department workflow and maximizes employee compliance, productivity and success in resolving payment issues.

Overview

12
12
years of professional experience
1
1
Certification

Work History

Area Collection Manager

Hinduja Leyland Finance
12.2022 - Current
  • Responsible for overseeing and managing a team of location Collection team.
  • Driving collection activities commercial vehicle & CE loan and increasing revenue, ensuring compliance with company policies and procedures, and providing excellent customer service.
  • Developing and implementing effective collection strategies to minimize delinquencies and improve overall portfolio quality and Accelerated customers digital Adoption.
  • Analyzing credit risk, evaluating customer profiles, and implementing measures to mitigate potential losses.
  • Monitoring and analyzing the performance of the collection team against set targets, providing feedback, and implementing corrective actions when necessary.
  • Engaging with customers, especially those facing payment challenges, to negotiate and facilitate repayment plans.
  • Generating and presenting regular reports on collection performance, portfolio quality, and other relevant metrics.
  • Ensuring that collection activities comply with regulatory requirements and internal policies.
  • Liquidation of eligible repo asset in coordination with broker and HO team and collect payment approved for sale cases.
  • Trained and mentored new employees on collection methods, documentation requirements and performance strategies.
  • Supervised staff of collectors, monitoring phone calls and letters.
  • Supervised invoice processing, purchase orders, expense reports, credit memos and payment transactions.
  • Contacted clients with past-due payments and actively monitored payments due from clients.
  • Oversaw daily posting of payments to customer accounts.

ASSISTENT COLLECTION MANAGER

TATA MOTORS FINANCE
02.2022 - 12.2022
  • Supervised staff of collectors, monitoring phone calls and letters.
  • Managing the collection team & portfolio (0-4) Bucket soft BKT of the assigned geography.
  • Leading commercial vehicle loan collection team 10-12 team within a designated area.
  • Managing commercial loan collection portfolio and, implementing effective collection strategies, analyzing, interacting with customers to facilitate repayments, and ensuring compliance with relevant regulations and internal policies.
  • Mentored collection team and enhanced collection targets and maintaining a healthy portfolio.
  • Ensure weekly target and DRR are rolled to team and control the bucket wise delinquent cases and achieve month to month target.
  • Documented interactions in computer database and updated information.

AREA SALES / RECEIVABLE COLLECTION MANAGER

CHOLA FINANCE
11.2015 - 01.2021
  • Responsible for the promoted Tractor product loan business in the assigned area and 4 branches'.
  • Developing and managing both teams of Sales Field Executives (SFE) and collection executives based on the area business plan.
  • Managing Tractor collections and implementing bucket-wise planning with a strong focus and check, First EMI, Early Default (ED ), and Non-Starter (NS ) cases.
  • Analyzed regular review, meetings with teams and branch for effective collections.
  • Conducting customer meetings, verifying documents, and coordinating loan disbursement processes.
  • Ensuring team productivity, conducting training sessions, and coached team people effectively.
  • Making sure TA is given to right Dealer and timely repayment of the same.
  • Penetrations of cross sell products like Loan cover Shield (LI), Asset Insurance and others in his Location.
  • Visiting high value customers and skipping tracing of non-contactable customers.

SENIOR CUSTOMER ASSOCIATE

MAHINDRA FINANCE
08.2011 - 11.2015
  • Oversee Field collection activities allocated delinquent pools collecting dues from customers.
  • Responding to client queries and Tracking asset utilization and availability during field visits.
  • Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.

Education

Bachelor of Arts - Hindi

HEMWATI NANDAN BAHUGUNA PG COLLAGE PRATAPGARH
LALGANJ PRATAPGARH UP
07.2008

Skills

  • Portfolio Management
  • Analytical Reasoning
  • Payment Acceptance
  • Process Improvement Strategies
  • Customer Service Management
  • Performance Tracking
  • Conflict Resolution Techniques
  • Closing Strategies
  • KPI Tracking
  • Contract Negotiations
  • Sales Team Supervision
  • Territory Management
  • Risk Management
  • Budget Control
  • Team Development
  • Operational Efficiency
  • Loan Expertise
  • Risk Assessment
  • Business Development
  • Cash Handling
  • Sales Expertise
  • Revenue Generation
  • Client Relationship Management
  • Financial Services
  • Regulatory Compliance

Certification

  • Certified “ Digital Marketing ” from Great Learning Academy. 2021
  • Certified “ Content Marketing ” from Great Learning Academy. 2021
  • Certified “ Business Finance Foundation” from Great Learning Academy. 2021
  • Certified “ Business Process Management ” from Great Learning Academy. 2021
  • Certified “ Forms of Business Structure ” From Corporate Finance Institute. 2021
  • Certified “ Introduction Financial Risk Management ” from Great Learning Academy. 2023
  • Certified “ AML & KYC ” on behalf of Hinduja Leyland Finance. 2023

Additional Information

PROFESSIONAL TRAINING

  • Participated 6 DAYS Drona Training Structure & Function of Banking and Financial Services knowledge Mahindra & Mahindra Financial Services Mumbai.
  • Participated 5 Days Digital Tab training Program-UP (Digitization ) by Chola learning Academy.
  • Participated 2 Days Profitability / Rota, BDM & New Initiative Training by Chola learning Academy.


Additional Information


  • Date of Birth: 15th Aug, 1984
  • Languages Known : English & Hindi, Local dialectics.
  • Hobbies: Traveling, listening to music and, Playing Cricket, Reading Newspaper.
  • Strengths: Self- Starter, High integrity and ethical, Multitasking, Punctuality, empathetic, Teamwork. Adaptability

Languages

Hindi

Timeline

Area Collection Manager

Hinduja Leyland Finance
12.2022 - Current

ASSISTENT COLLECTION MANAGER

TATA MOTORS FINANCE
02.2022 - 12.2022

AREA SALES / RECEIVABLE COLLECTION MANAGER

CHOLA FINANCE
11.2015 - 01.2021

SENIOR CUSTOMER ASSOCIATE

MAHINDRA FINANCE
08.2011 - 11.2015

Bachelor of Arts - Hindi

HEMWATI NANDAN BAHUGUNA PG COLLAGE PRATAPGARH

Similar Profiles

CREATE PROFILE
PRAMOD KUMAR TIWARI