Summary
Work History
Education
Skills
References
Interests
Additional Information
Timeline
Certification
Hi, I’m

PRAMOD KUMAR TIWARI

AREA COLLECTION
PRATAPGARH UP,UTTAR PRADESH

Summary

Dedicated and disciplined professional with an outperformed track record of over 11+ years in the BFSI/NBFC industry. Demonstrated leadership success in roles aligned with lending business vehicle finance domain. 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. Exhibits a sound understanding of the automobile market. 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, collection infrastructure, and RBI regulations within the NBFC sector. DATE: Problem-Solving & Quick Decision Making Channel & Process Management. Analytical Thinking Portfolio Management Risk Management Receivable Management Conflict Resolution

Work History

HINDUJA LEYLAND FINANCE
SULTANPUR, UTTAR PRADESH

AREA COLLECTION MANAGER
12.2022 - Current

Job overview

  • 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.
  • Managed a diverse team of collectors for optimal performance and increased success rates.
  • Reduced delinquency rates by proactively addressing customer payment issues and providing tailored solutions.
  • Monitored team performance, providing feedback and coaching to enhance productivity and effectiveness.
  • Conducted investigations of customer accounts and payment histories.
  • Created daily and weekly cash reports for accounting management.

TATA MOTORS FINANCE
KANPUR, UTTAR PRADESH

ASSISTENT MANAGER COLLECTION
2022.02 - 2022.12 (10 education.months_Label)

Job overview

  • Self-motivated, with a strong sense of personal responsibility.
  • Skilled at working independently and collaboratively in a team environment.
  • Proven ability to learn quickly and adapt to new situations.
  • Worked effectively in fast-paced environments.
  • Worked well in a team setting, providing support and guidance.
  • Organized and detail-oriented with a strong work ethic.

CHOLA FINANCE, SULTANPUR
PRATAPGARH, UTTAR PRADESH

AREA SALES / RECEIVABLE COLLECTION MANAGER
11.2015 - 01.2021

Job overview

  • 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.

MAHINDARA FINANCE
PRATAPGARH, UTTAR PRADESH

CUSTOMER ASSOCIATE – OPERATION
08.2011 - 11.2015

Job overview

  • Oversee Field collection activities allocated delinquent pools collecting dues from customers
  • Responding to client queries and Tracking asset utilization and availability during field visits.
  • Exceeded daily KPIs through exceptional communication skills and proactive problem-solving abilities.

TATA MOTORS FINANCE
MIRZAPUR , UTTAR PRADESH

LEGAL REMEDAL EXECUTIVE
01.2010 - 07.2011

Job overview

  • Controlling NPA delinquency and monitoring 11 & 11+ Bucket Cases minimizing roll-forward in the 11 bucket and roll- back/resolution to 11+ Bucket with One-Time Settlement (OTS) and self-repo vehicle
  • Demonstrating the ability to understand the statement of accounts, repayment schedules, and foreclosure of loan accounts and identify and focus on stressed account, critical NPA.
  • Increased revenue through effective negotiation of contracts with clients and suppliers.
  • Ensured compliance with industry regulations while maintaining open lines of communication with regulatory bodies.

ICICI BANK LTD
JAUNPUR, UTTAR PRADESH

COLLECTION FIELD OFFICER
06.2009 - 01.2010

Job overview

  • Controlling tractor delinquency all Bucket Cases minimizing roll-forward in and roll-back/resolution over dues cases
  • Bucket with NPA Cases One-Time Settlement (OTS) and self-repo vehicle.
  • Operated in reduced visibility environments using infrared and starlight-enhancing night vision devices and targeting.

Education

HEMWATI NANDAN BAHUGUNA PG COLLAGE
LALGANJ PRATAPGARH

Bachelor of Arts from HINDI
2008 - 2008

University Overview

Oscar Computer Education
Pratapgarh

ADVANCE Diploma in Computer Application from Computer Literacy
2007.07 - 2008.06 (11 education.months_Label)

University Overview

in Excel including using Vlookup, pivot tables, Email, Presentation

Great Learning Academy

Certification: “Business Finance Foundation”
2021

University Overview

Skills

  • Leadership & Team Development
  • Strategic Planning
  • Financial Acumen
  • Effective Negotiation
  • Customer Relationship management
  • Agency Management
  • Managing Defaults
  • Accounts Payable and Accounts Receivable
  • Reporting Analytics
  • Performance Improvement
  • Customer Satisfaction
  • Loan Processing
  • Monitoring Processes
  • Cost Control and Reduction

References

References

MR.ASHISH MISHRA - ZONAL COLLECTION HEAD

HINDUJA LEYLAND FINANCE LUCKNOW

MO – 09771494078

Interests

Strengths: Self- Starter, High integrity and ethical, Multitasking,Punctuality, empathetic, Teamwork Adaptability

Additional Information

Additional Information
  • AWARDS AND ACHIEVEMENTS , "I was awarded many times for the "Employee of the quarter” award at Mahindra finance for my outstanding contributions to the highest collection efficiency." We Achieved remarkable growth Tractor business 2019 and PBT in Area 125% & Receive PBT incentive in Chola finance Tractor business 2019

Timeline

AREA COLLECTION MANAGER
HINDUJA LEYLAND FINANCE
12.2022 - Current
ASSISTENT MANAGER COLLECTION
TATA MOTORS FINANCE
2022.02 - 2022.12 (10 education.months_Label)
AREA SALES / RECEIVABLE COLLECTION MANAGER
CHOLA FINANCE, SULTANPUR
11.2015 - 01.2021
CUSTOMER ASSOCIATE – OPERATION
MAHINDARA FINANCE
08.2011 - 11.2015
LEGAL REMEDAL EXECUTIVE
TATA MOTORS FINANCE
01.2010 - 07.2011
COLLECTION FIELD OFFICER
ICICI BANK LTD
06.2009 - 01.2010
HEMWATI NANDAN BAHUGUNA PG COLLAGE
Bachelor of Arts from HINDI
2008 - 2008
Oscar Computer Education
ADVANCE Diploma in Computer Application from Computer Literacy
2007.07 - 2008.06 (11 education.months_Label)
Great Learning Academy
Certification: “Business Finance Foundation”

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

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