RAMCHANDRA KAMBLE
Area Collection Manager
Pandharpur,MH
Summary
Dynamic Area Collection Manager with expertise in debt recovery and credit risk assessment at SMFG India Credit Company Ltd. Proven track record of reducing delinquency rates through strategic client engagement and effective team collaboration. Committed to maintaining client confidentiality while achieving exceptional collection results and fostering a culture of accountability.
Driven and detail-focused with strong ability to manage and coordinate collection activities effectively. Possess solid understanding of credit management principles combined with proficiency in data analysis and negotiation skills. Committed to maximizing recovery efforts and improving operational efficiency.
Collections professional prepared to elevate recovery strategies and streamline collection processes. Known for collaborative approach and delivering consistent results under changing conditions. Effective in negotiation, conflict resolution, and fostering team collaboration.
Overview
18
18
years of professional experience
Work History
Area Collection Manager
SMFG India Credit Company Ltd
12.2020 - Current
- Collaborated with other departments to identify risk factors and develop targeted action plans to address them.
- Developed strong relationships with clients, fostering trust and improving communication channels for future negotiations.
- Maintained up-to-date knowledge of industry regulations, ensuring compliance in all collection activities.
- Promoted a culture of accountability and professionalism among the team members.
- Improved collection efficiency by implementing effective strategies and streamlining processes.
- Reduced delinquency rates by proactively addressing customer payment issues and providing tailored solutions.
- Conducted regular account reviews, ensuring accuracy and compliance with established policies and procedures.
- Collection Achievements & maximum settlements account every months
- 138 act against action & plan
Territory Manager
Mahindra Rural Housing Finance
01.2019 - 07.2020
- managing and recovering overdue mortgage payments, including contacting borrowers, negotiating repayment plans, and resolving disputes, while ensuring compliance with regulations and maintaining accurate records.
- Organized regular training sessions for team members to enhance their product knowledge and overall sales skills.
- Established successful account relationships by building rapport and maintaining consistent communication.
- Achieved collections goals and service targets by cultivating and securing new customer relationships.
- Plan to NPA Customers 138 notice handover
- maximums settlements cases for every moth
Area Sales Manager
M Power Micro Finance Pvt Ltd
11.2014 - 01.2019
- Managed a successful sales team, consistently achieving and exceeding monthly sales targets.
- Expanded market share through effective prospecting, lead generation, and negotiation skills.
- Established strong relationships with key clients, resulting in increased customer retention and satisfaction.
- Established strong relationships with major accounts and key decision-makers to increase sales in designated territory.
- Provided exceptional customer service to existing clients through regular communication and prompt resolution of issues or concerns raised by them.
- New branch serve & branch opening
- Team higher & management
Branch Manager
Trident Micro Finance Pvt Ltd
10.2011 - 10.2014
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Maintained friendly and professional customer interactions.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Implemented effective sales strategies to achieve branch targets and collection exceed expectations consistently.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
Branch Manager
SKS Micro Finance Pvt Ltd
01.2007 - 09.2011
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Maintained friendly and professional customer interactions.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
- Target achievement & team motivation
Education
Graduate Diploma in Management Studies - Banking And Finance
Devaki Institute Of Collège Nagpur
Nagpur, India 04.2001 -
No Degree - HSC
Shankarrao Mohite Prashala Yeshvant Nagar
Akluj 04.2001 -
Skills
Debt recovery expertise
Timeline
Area Collection Manager
SMFG India Credit Company Ltd
12.2020 - Current
Territory Manager
Mahindra Rural Housing Finance
01.2019 - 07.2020
Area Sales Manager
M Power Micro Finance Pvt Ltd
11.2014 - 01.2019
Branch Manager
Trident Micro Finance Pvt Ltd
10.2011 - 10.2014
Branch Manager
SKS Micro Finance Pvt Ltd
01.2007 - 09.2011
Graduate Diploma in Management Studies - Banking And Finance
Devaki Institute Of Collège Nagpur
04.2001 -
No Degree - HSC
Shankarrao Mohite Prashala Yeshvant Nagar
04.2001 -
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