No 257 9th Main Nagendra Block Banshankari 3rd Stage Bangalor
Summary
Total 8+ Years of Professional Experience in various large organizations in India like TechMahindra, HDFC Bank, Axis Bank, ICICI Bank, and Lending Kart. Started with Customer Service and Operations, and established myself in Training, Team Management, Data Analysis, Audit, Sales, and Partner Relationships. Having ample amount of knowledge in Microfinance and Banking Sector, I am now seeking an opportunity in the organization to use my skills and be able to contribute to the firm for which I am working. I will put my best effort to learn the company's policies and make better decisions in the favor of the company.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Division Collection Manager
BANDHAN BANK
Bangalore
06.2024 - Current
Handling BKT's SMA-2, NPA, and Write off & Total Book size 70cr for Unsecured Business Loan.
Team Size 3, Area Manager 18, Collection Heading, Entire South Karnataka.
Guiding and driving the collection force to achieve the set targets of the location.
Managing and supervising the empaneled agencies and Collection Executives at Location, and ensuring smooth flow of work.
Responsible to achieve the target in from Risk to Write-off cases and also to reduce the Delinquency rate of the location.
Undertaking legal measures and strategies for resolution of cases, including civil and criminal cases such as LRN, Sec 138, Arbitration, Obtaining, etc.
Agency Manager
Lendingkart Finance LTD
Bangalore
08.2023 - 06.2024
Handling BKT's BKT-X to BKT-3 for Entire Bangalore and other ROK Districts Tumkur,Hassan,Davangere,Chitradurga
Team Size 3 Agencies and 12 FOS's Book Size " 23cr
Guiding and driving the collection force to achieve the set targets of the location.
Managing and supervising the empaneled agencies and Collection Executives at Location, and ensuring smooth flow of work.
Making Visit /Calls on tougher accounts settling Accounts, Resolving Customer Queries. Ensuring to achieve targets set by the management.
Responsible to achieve the target in from Risk to Write-off cases and also to reduce the Delinquency rate of the location. Responsible for hiring new collection agencies/local lawyers in the location.
Taking regular reviews from the collectors.
Undertaking legal measures and strategies for resolution of cases, including civil and criminal cases such as LRN, Sec 138, Arbitration, Obtaining, and planning for new and effective process of Collection.
Cluster Collection Manager
ICICI BANK
Tumkur
08.2022 - 06.2023
Handling Product's HL, PL, TW, CE/CV, BL, AL - BKT-X and BKT-1 & 2 Location's Tumkur,Mandya,Ramnagar,Kolar,Madikeri,
Guiding and driving the collection force to achieve the set targets of the location.
Managing and supervising the empaneled agencies and Collection Executives at Location.
Ensuring to achieve targets set by the management.
Regular Branch Visits and Review with Branch Team on their Performance.
Achieved Cross Sell Budgets of the Bank (Digital SA, GL, TW Loans, and Insurance Products).
Team Size: 2 Team Leader, Team 12 Collection Executives.
Book size 112cr
Collection Manager
Lendingkart Finance LTD
Bijapur
06.2021 - 03.2022
Handling From BKT -X to Write off for Bijapur, Gulbarga, Bagalkot, Raichur, Belagavi, Hubli.
Team Size: 8 FOSs. Book Size: 8 cr.
Guiding and driving the collection force to achieve the set targets of the location.
Managing and supervising the empaneled agencies and Collection Executives at Location, and ensuring smooth flow of work.
Making visits/calls on tougher accounts, settling accounts, resolving customer queries. Ensuring to achieve targets set by the management.
Responsible to achieve the target in from Risk to Write-off cases and also to reduce the Delinquency rate of the location. Responsible for hiring new collection agencies/local lawyers in the location.
Taking regular reviews from the collectors.
Undertaking legal measures and strategies for resolution of cases, including civil and criminal cases such as LRN, Sec 138, Arbitration, Obtaining, and planning for new and effective process of Collection.
Regional Sales Coordinator and Collection Manager
Axis Bank(Payroll Axis Securities and Quess Corp)
Bangalore
07.2018 - 05.2021
Role: Collection Manager (July 2018 to May 2021)
Responsible for managing approximately Rs. 50 Crores Portfolio, Agri Microfinance, Outstanding Controlling Various Buckets (1 to 180+) of DPDs, Minimizing the NPA Portfolio.
Achieving the Month on Month Targets of all the Buckets of irregularities. Initiating suitable actions against long-standing NPAs to recover the loans.
The total team size is 30+ executives reporting.
Role: Regional Sales Coordinator (July 2018 to Oct 2019).
Handled Regional Operations of Southern Regions (Tamilnadu and Gujarat) for Business Correspondence.
Direct Linkage Lending in Karnataka. Publishing Daily Business/Collection Report to the field team on their progress.
Allocating monthly budget to all the branches based on the manpower/potential of the geo.
Identifying new potential locations for business and managing end-to-end process for new branch launch.
Coordinating Audit & Compliance issues with CO/Process Hub for resolution to the Field Team Requirements (QC, Account Opening, and Insurance Related Issues).
Direct Reporting Team Size: 10 (Cluster Sales Coordinator's).
Following delinquency accounts with the team for successful recoveries from (01 to Infinity DPD),
Collections Agent
HDFC BANK
Jamakhandi
09.2016 - 07.2018
Worked as Collection Executive for JLG and SHG Product.
Handling BKT's - BKT 0 to write off.
Associate
Robert Bosch and Engineering Business Solution
Chennai
01.2016 - 07.2016
Worked for Project Bharth Benz.
Handling inbound calls for on-road vehicle breakdown support for entire Pan India.
Customer Service Representative
Tech Mahindra
Chennai
04.2013 - 05.2014
Customer Support (Handling Backend Complaints for Vodafone and Idea).