Summary
Overview
Work History
Education
Skills
Hobbies and Interests
Languages
Personal Information
DECLARATION
Timeline
Generic

Ravinder Singh Saini

Sangrur

Summary

To work with an organization which provides me with ample learning opportunities, a professional status and a wider experience to accomplish my own as well as company’s professional growth which is of prime importance in the present world and that I can achieve a place of eminence in the organization.

Professional with more than 19 Years managerial experience of collections All activities of personnel supervision and management, insuring compliance with policies and established practices, interpreting regulations, developing excellent customer rapport, and resolving problems. Performing day-to-day operational and maintenance tasks and provide direction to colleagues in order to accomplish goals & objectives. Strong consultative type who can manage multiple projects and push them over the goal line. Develop and maintain relationships with client organizations to ensure their infrastructure expectations are being met and priorities are set at the appropriate level.

Overview

18
18
years of professional experience

Work History

Area Collection Manager

HDB Financial Services
Punjab,HP,Chandigarh & J & K
05.2022 - Current
  • Successfully managing the TW Collection portfolio on the basis of my consistent performance.
  • Successfully managing a team of 6 COs, 4 CAs, 4 AMs, and 2 CMs, and 18 collection agencies.
  • Successfully managing the business associates to deliver comparative resolution in terms of stabilization, and roll back. Direct and handle the daily activities of the Collections Team.
  • Minimizes delinquencies and recovers revenue by performing collection activities.
  • Reduces risk by ensuring all collection activities are conducted according to federal and state regulations, and keeping accurate records.
  • Improves collection efforts by identifying, analyzing, and recommending loss litigation opportunities.
  • Plan collection policies and processes, and check their implementation.
  • Sale of repo vehicles through online and offline auction.
  • Target assigned to the team, and driving them for the achievement of the same.
  • Legal activities

Area Collection Manager

BAJAJ AUTO FINANCE LTD
HP,Chandigarh UT, Abohar, Faridkot, Shri Muktsar Sahib
04.2016 - 05.2022
  • Successfully managing the TW Collection portfolio of three geographical locations: Punjab, Tri City, and HP, based on my consistent performance, has enhanced my role, and Bucket Collection for my cluster has been assigned to me.
  • Successfully managing a team of 4 COs and 22 collection agencies.
  • Successfully managing the business associates to deliver comparative resolution in terms of stabilization, and roll back. Direct and handle the daily activities of the Collections Team.
  • Minimizes delinquencies and recovers revenue by performing collection activities
  • Reduces risk by ensuring all collection activities are conducted according to federal and state regulations, and keeping accurate records.
  • Improves collection efforts by identifying, analyzing, and recommending loss litigation opportunities
  • Plan collection policies and processes, and check their implementation.
  • Coached and developed Account Representatives through side-by-sides and follow-up critiques on calls completed to improve technique; encouraged and facilitated second voices between team members, utilizing individual strengths within the group; provided feedback and suggestions during and after collection calls.
  • Organize regular target statistics, and also team reports for Sr.
  • Management
  • Handling legal cases.

Collection Manager

BAJAJ AUTO FINANCE LTD
Sangrur, Barnala, Malerkotla, Abohar, Ferozpur
10.2011 - 03.2016
  • Successfully managing the TW Collection
  • Successfully managing a team of seven collection agencies.
  • Successfully managing the business associates to deliver comparative resolution in terms of stabilization, and roll back. Direct and handle the daily activities of the Collections Team.
  • Minimizes delinquencies and recovers revenue by performing collection activities
  • Reduces risk by ensuring all collection activities are conducted according to federal and state regulations, and keeping accurate records.
  • Improves collection efforts by identifying, analyzing, and recommending loss litigation opportunities
  • Plan collection policies and processes, and check their implementation.
  • Coached and developed Account Representatives through side-by-sides and follow-up critiques on calls completed to improve technique; encouraged and facilitated second voices between team members, utilizing individual strengths within the group; provided feedback and suggestions during and after collection calls.
  • Organize regular target statistics, and also team reports for Sr.
  • Management
  • Handling legal cases
  • Repo stock sales responsibilities.

Branch Collection In Charge

FULLERTON INDIA CREDIT COMPANY LTD.
Chandigarh, Mohali & Panchkula
08.2007 - 10.2011
  • Handling the collection of HL, PL, TW, and STPL loans.
  • Maintaining records and ensuring achievements of the collection target allocated.
  • Ensuring customer satisfaction.
  • Reporting to the principal company while handling multiple team members.
  • Good coordination with colleagues.
  • Audit Responsibility and Collection Planning
  • Handling legal cases
  • Location Handling (Chandigarh and Spokes)

Agency Manager

ICICI BANK LTD.
Sangrur, Barnala, Malerkotla
08.2006 - 08.2007
  • Handling Collection of AUTO, HL, PL, TW, CV loans
  • Handling Collection and Repo Agencies.
  • Ensuring the achievement of the collection target allocated.
  • Ensuring customer satisfaction
  • Reporting to the principal company.
  • Maintaining records
  • Handling legal cases
  • Working in the EMCT team.
  • Audit Responsibility
  • Handling 13 locations (Sangrur, Barnala, Malerkotla, and Spokes).

Education

B.TECH - CSE

BGIET
01.2006

10+2 -

P.S.E.B.
Mohali
01.2002

MATRICULATION -

P.S.E.B.
Mohali
01.2000

Skills

  • Portfolio management
  • Client confidentiality
  • Patience and persistence
  • Data entry proficiency
  • Training and teaching
  • Work Planning and Prioritization
  • Problem-solving abilities
  • Credit and collections
  • Service quality standards
  • Effective communication
  • Aging reports analysis
  • Self motivation
  • Time management abilities
  • Analytical and critical thinking
  • Professionalism
  • Team collaboration
  • Decision-making
  • Task prioritization
  • Database maintenance

Hobbies and Interests

Music , Sports

Languages

Punjabi

Hindi

English

Personal Information

  • Father Name : Sr Mohinder Singh Saini
  • Permanent Address: # B-287, Guru Nanak Colony, Sangrur, Punjab
  • Date of Birth: 07/10/84
  • Gender: Male
  • Nationality: Indian

DECLARATION

I hereby declare that the above-furnished particulars are true to the best of my knowledge and belief.

(Ravinder Singh Saini)

Timeline

Area Collection Manager

HDB Financial Services
05.2022 - Current

Area Collection Manager

BAJAJ AUTO FINANCE LTD
04.2016 - 05.2022

Collection Manager

BAJAJ AUTO FINANCE LTD
10.2011 - 03.2016

Branch Collection In Charge

FULLERTON INDIA CREDIT COMPANY LTD.
08.2007 - 10.2011

Agency Manager

ICICI BANK LTD.
08.2006 - 08.2007

B.TECH - CSE

BGIET

10+2 -

P.S.E.B.

MATRICULATION -

P.S.E.B.
Ravinder Singh Saini