Rahul Kunwar
Bengaluru
Summary
Strategic and results-driven Operations Leader with 13+ years of experience in banking and financial services, specializing in end-to-end loan lifecycle, legal recovery, and stressed portfolio turnaround. Proven ability to revive underperforming portfolios, unlock cash flows, and lead large-scale operational transformation initiatives. Expertise in litigation strategy, regulatory compliance, credit risk, and data-driven recovery frameworks. Recognized for converting operations into revenue-generating functions and driving measurable business impact. Targeting AVP / VP – Operations | Head of Operations | Transformation Leadership Roles.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Regional Operations Manager
OTO Capital
06.2023 - Current
- Revived a distressed corporate lease portfolio by conducting in-depth product and customer analysis, enabling restart of repayments and improved liquidity
- Turned around a deeply stressed lease book, converting non-performing accounts into active revenue-generating assets
- Led a high-impact recovery project on ₹2.5 Cr stagnant bounce income, recovering ₹70 Lakhs from dead pool, significantly improving business cash flow
- Initiated and managed legal recovery through FIR filings and judicial proceedings, enhancing recovery effectiveness
- Streamlined demand notice and loan recall processes, ensuring timely issuance, compliance, and improved tracking visibility
- Developed data-driven dashboards and escalation frameworks for DPD tracking, legal case monitoring, and recovery performance
- Managed end-to-end NACH lifecycle, ensuring regulatory compliance and audit readiness
- Oversaw portfolio reconciliation (2W & 4W leases), eliminating discrepancies and improving financial accuracy
- Built and implemented SOPs for legal recovery and operations, reducing turnaround time and process gaps
- Collaborated with legal counsel, lenders, and compliance teams to ensure alignment with regulatory frameworks
Manager
ICICI Bank Ltd
08.2011 - 05.2023
- Managed diverse credit portfolios including Agri Finance, Overdrafts, KCC, and Warehouse Financing
- Delivered strong customer experience and high-quality escalation resolution
- Conducted financial literacy programs and internal team training initiatives
- Consistently achieved business targets and operational excellence benchmarks
- Collaborated with credit, business, and operations teams to ensure seamless execution
- Managed limit setup and credit structuring across multiple lending products
Education
PG Diploma - Banking & Finance
ICICI Manipal Academy
Bangalore01-2011
B.Tech - Electronics & Communication
Dr. MGR Educational Institute
01-2009
Skills
- Operations Strategy & Transformation
- Stressed Portfolio Turnaround
- Legal Recovery & Litigation (Sec 9, Sec 138, MV Act)
- Regulatory Compliance & Risk Management
- Credit & Loan Lifecycle Management
- Portfolio Management & Reconciliation
- Data Analytics, MIS & Dashboarding
- Stakeholder & Vendor Management
- Process Reengineering & SOP Development
- Team Leadership & Performance Management
- Portfolio management
- Credit structuring
- Compliance management
- Recovery strategy
- Data analysis
- Risk assessment
- Customer relationship management
- Process optimization
- Team leadership
- Project management
- Stakeholder collaboration
- Legal compliance
- Positive attitude
- Leadership skills
- Decision making
- Strong communication
- Cost reduction and efficiency
- Risk Management
- Self-motivation
- Strategic planning
- Critical-thinking
- Data-driven decision-making
Websites, Portfolios and Profiles
https://www.linkedin.com/in/rahul-kunwar-730b38115
Accomplishments
- Recovered ₹70 Lakhs from ₹2.5 Cr stagnant bounce income pool through a structured recovery initiative (2025)
- Successfully revived distressed corporate lease portfolio, converting non-performing assets into consistent cash flow streams
- Initiated legal recovery through FIR and judiciary proceedings, strengthening enforcement and recovery success rates
- Transformed operations from cost center to revenue-generating unit through strategic restructuring initiatives
- Awarded “Pillar of the Company” for sustaining business continuity and operational excellence
- Recognized as BSC Star Performer for outstanding business impact
- Successfully led I-DISB project implementation across multiple locations
- Improved FLDG processes, enhancing productivity and profitability
Languages
English
Advanced
C1
Hindi
Advanced
C1
Certification
- NISM Certified
- NSDL Certified
Timeline
Regional Operations Manager
OTO Capital
06.2023 - Current
Manager
ICICI Bank Ltd
08.2011 - 05.2023
PG Diploma - Banking & Finance
ICICI Manipal Academy
B.Tech - Electronics & Communication
Dr. MGR Educational Institute