RAHUL SHAW
AREA COLLECTION MAAGER
KOLKATA
Summary
Dynamic Collections Manager with over 11 years of experience. Thriving in high pressure, team atmospheres. Extensively trained in MS Excel. Strong team leader with clear record of success meeting revenue and staff retention goals. Establishes effective department workflow and maximizes employee compliance, productivity and success in resolving payment issues.
Overview
11
11
years of professional experience
3
3
years of post-secondary education
3
3
Languages
Work History
Area Collection Manager
L&T FINANCIAL SERVICES
KOLKATA
10.2018 - Current
- Oversaw two wheeler repayment portfolio ( Bucket 1 to 12) of south bengal region since 2018. Took over personal loan repayment portfolio of the same region from April, 2022.
- Supervised staff of Agencies/collectors for monitoring two wheeler/ personal loan repayment collection through phone calls & visits. Trained & mentored new employees on collection methods, documentation requirements and performance strategies.
- Conducted periodic review of Agencies & FO'S productivity in respect to their assigned target. Briefed regions performance graph in monthly/quarterly/half-yearly & annual senior management reviews.
- Ensured feedbacks shared by senior management in periodic reviews are executed properly to the ground level.
- Visited premises of customers to directly collect payments of two wheeler/personal loan. Contacted customers to collect outstanding payments via one-time or negotiated installment methods.
- Successfully implemented new technologies and process automations to encourage continuous improvement.
- Worked with legal resources and recovery teams to manage default issues for repossession of vehicles.
- Reviewed, researched and corrected discrepancies and customer concerns.
- Established procedures for collection of past due amounts.
- Researched accounts and completed due diligence to resolve collection problems.
- Monitored payments due from clients and promptly contacted clients with past due payments.
- Supervised invoice processing, payment transactions and NOC Processing.
- Accessed loan repayment records to evaluate customer repayment histories.
- Conducted investigations of customer accounts and payment histories.
- Reconciled vendor statements and handled payment complaints or discrepancies.
- Facilitated successful internal and external audits through sound and thorough documentation.
Team Leader
L&T Financial Services
Kolkata
06.2015 - 09.2018
- Handle a team of 10-12 members for collection through calling process for two wheeler.
- Conducted training and mentored team members to promote productivity and commitment to friendly service through calling process.
- Built strong relationships with customers through positive attitude and attentive response.
- Established open and professional relationships with team members to achieve quick resolutions for various issues.
- Conducted training and mentored team members to promote productivity, accuracy, and commitment to friendly service.
- Ensured calling etiquette is maintained during customer calls.
- Held weekly team meetings to inform team members on company news and updates.
- Monitored team performance and provided constructive feedback to increase productivity and maintain quality standards.
- Supervised team members to confirm compliance with set procedures and quality requirements.
- Developed and updated tracking spreadsheets for process monitoring and reporting.
Collections Officer
HDB Financial Services
Kolkata
01.2012 - 05.2015
- Monitored accounts for compliance with established payment plans and flagged non-compliances.
- Assisted debtors in setting up payment plans to recover overdue balances.
- Achieved performance goals on consistent basis.
- Used skip tracing and other techniques to locate debtors.
- Started foreclosure and repossession processes when warranted.
- Verified and reviewed customer account information.
- Negotiated to collect balance in full.
- Quantified debtor balances to avoid late payments and bad credit.
Education
Bachelor of Commerce - Commerce
Calcutta University
Kolkata 07.2004 - 08.2007
Skills
Analytical reasoning
Field Investigation
Strong in MS Excel
Audits understanding
Strategic planning
Verbal and written communication
Negotiation
Timeline
Area Collection Manager
L&T FINANCIAL SERVICES
10.2018 - Current
Team Leader
L&T Financial Services
06.2015 - 09.2018
Collections Officer
HDB Financial Services
01.2012 - 05.2015
Bachelor of Commerce - Commerce
Calcutta University
07.2004 - 08.2007