Open To Work
Ravi Kumar
New Delhi
Work Preference
Summary
Summary
· A multi-faceted professional offering over 12+ years of rich experience in various Domains.
· Results-oriented Debt Collector with 9.5 years of experience and knowledge in digital unsecured personal loans.
· Managing end-to-end North Zone Collection for the unsecured personal loans (Bkt-1,2,3 & NPA).
· Extensive Experience on Vendor Identification & Empanelment.
· Ensuring smooth contact center transition, SLAs are met and contact centers are profitable.
· Developed a proven ability to manage large-scale teams, streamline processes, and drive recovery performance Analytical & negotiation skills with process-oriented approach towards accomplishment of cost, profit, service and organizational objectives.
· Ensuring people relationship, quality and productivity through workforce management, performance management, career planning, engagement, creating strong pipeline of talent and succession planning.
Overview
1
1
Certification
12
12
years of professional experience
Work History
Sr. Manager (Collections)
One Mobikwik Systems Pvt. Ltd.
Gurgaon
04.2023 - Current
- Coordinated collection functions with agency managers and channel partners to streamline operations.
- Managing end-to-end North zone collections for the unsecured personal loans (Bkt-1,2,3 & NPA).
- Preparing the Allocation based on Risk Decile & Segments and bouncing strategy (High POS accounts).
- Ensure timely achievement of collection targets by formulating & executing collection strategies.
- Achieved collection management, improved collector productivity, and enhanced efficiency through devising and modifying appropriate collection strategies.
- Structured incentives to motivate agencies, field operations staff, and managers for improved results.
- Monitored and followed up on overdue accounts, ensuring timely resolutions and minimizing delinquencies.
- Appointing, managing & developing collection agencies as well as in-house team to ensure smooth.
- Forecasting daily/monthly/annual collection targets and executing them in a given time frame thereby enhancing existing client.
- Handle all service escalations with customers & proactively escalate customer issues to functional heads.
- Track & control the delinquency of the Pan India, Bucket-wise & DPD wise through various campaigns and focus on non-starters.
- Reviewing team's performance on weekly, bi-monthly and monthly basis.
- Achieved two consecutive promotions and earned a Spotlight Award for outstanding contributions.
- One of my notable achievements was successfully initiating penal.
- Surpassed a monthly penal collection target of ₹2.4 crore.
- Additionally, I exceeded NPA collection targets through digital channels by an impressive 1.67% ROR.
- Optimized tele-calling and field recovery efforts, contributing to overall cost reduction.
- Resolved 44%-50% of POS cases digitally, minimizing field deployment.
- I gained extensive experience across multiple departments at Mobikwik, equipping me with the skills to thrive under pressure.
Manager (Collections)
One Mobikwik Systems Pvt. Ltd.
Gurgaon
04.2022 - 03.2023
- Developed strategies and monitored team performance to achieve collection goals.
- Tracked and controlled delinquency across Pan India by implementing targeted campaigns for different buckets and DPD categories.
- Reviewing team's performance on weekly, bi-monthly and a monthly basis.
- Resolved customer queries and grievances by coordinating with stakeholders to provide timely solutions within established TAT.
- Coordinate with legal team for Sec 138, Sec 9, Lok Adalat's, Police complaints, Attachments and all related activities.
- Managing Bounce & Penal Charges Collection.
- Managed call center operations to ensure efficient customer service delivery.
Asst. Manager (Collections)
One Mobikwik Systems Pvt. Ltd.
Gurgaon
12.2016 - 03.2022
- Resolved customer grievances, disputes, and service issues to enhance customer satisfaction.
- Achieved targets while maintaining process adherence and addressing audit issues.
- Handling all kinds of accounts including Low risk, High risk, and Extreme high risk cases.
- Managed relationships with multiple partners to ensure smooth collaboration.
- Maintained daily MIS to evaluate collector efficiency and implemented action plans to improve productivity.
Sr. Executive
Girnarsoft Automobiles Pvt. Ltd. (Car Dekho)
Gurgaon
11.2015 - 12.2016
- Quality Check & Analysis the Data and upload on online portal for bidding.
- Managed all operational activities to ensure efficiency.
- Led a team to achieve measurable outcomes aligned with organizational goals.
- Oversaw a team of 12 employees to ensure task completion.
- Developed or implemented new procedures or systems.
- Streamlined processes to boost operational efficiency and effectiveness.
- Provides complete and accurate analyses results for the successful completion of comprehensive client requirements.
- Auditing and monitoring of Technology implementation and application Support.
- Collected customer feedback and addressed inquiries to improve satisfaction.
Operation Executive
Next Gen Paper Solutions Pvt. Ltd.
Gurgaon
04.2014 - 09.2015
- Managing HDFC Project (HR documents management). Preparing MIS and Reporting to Manager.
- Maintained daily, weekly, and monthly reports to support management decision-making.
- Using Advance Excel – Macros, Advance Filter, Formulas, Pivot table, Conditional Formatting, Data Validation & Cleaning.
- Recorded daily transaction data in MS Excel to ensure accurate financial tracking.
- Organized and maintained accurate records in a centralized system to enhance data accessibility.
- Conducted quality checks on documents to ensure accuracy and compliance with standards.
Education
M.A - English
C.C.S. University
01-2016
B.A - Economics
M.S. University
01-2010
HSC -
CBSE
01-2006
SSC -
CBSE
01-2003
Skills
- Collection strategy
- Collection Recoveries
- Telecollection Optimization
- Risk-Based Allocation
- Operational Efficiency
- Cost Management
- Data Analysis
- Performance Review Process
- Stakeholder Coordination
- Vendor Relationship Management
- Legal Compliance Management
- Results orientation
Certification
- Web Designing, Animation Boom, 2011
- Dot Net Developer, Oxford Software Institute, 2012
Personal Information
- Date of Birth: 08/23/88
- Marital Status: Married
- Religion: Hindu
Accomplishments
- Top Performer Award Achieved in 2024 for collection process stablished.
Timeline
Sr. Manager (Collections)
One Mobikwik Systems Pvt. Ltd.
04.2023 - Current
Manager (Collections)
One Mobikwik Systems Pvt. Ltd.
04.2022 - 03.2023
Asst. Manager (Collections)
One Mobikwik Systems Pvt. Ltd.
12.2016 - 03.2022
Sr. Executive
Girnarsoft Automobiles Pvt. Ltd. (Car Dekho)
11.2015 - 12.2016
Operation Executive
Next Gen Paper Solutions Pvt. Ltd.
04.2014 - 09.2015
M.A - English
C.C.S. University
B.A - Economics
M.S. University
HSC -
CBSE
SSC -
CBSE