Rinki Sharma
Collection Manager
Ghaziabad
Summary
Result oriented and willing to perform and learn in a challenging environment by utilizing skills & knowledge for the company with having acquired 12 years of extensive experience in collection in banking sector.
Hardworking and energetic with a very positive attitude towards life. The passion to achieve and challenging an adverse situation to keep a cool head when chips are down and ability to sustain work pressure with confidence.
Overview
14
14
years of professional experience
1
1
Certification
2
2
Languages
Work History
Deputy Manager Collection
HDFC Bank Ltd
07.2022 - Current
- Monitored, measured and reviewed individual and team achievement of collections goals and standards to facilitate meeting objectives.
- Effectively motivate and guide employees toward achieving individual, team and company goals and objectives.
- Consistency of call monitoring for the collections Team to ensure company policies and procedures are adhered to as well as the COC guidelines.
- Work effectively with the Executive Team and attend Board meetings to discuss monthly reports, lending updates and collections performance.
- Knows the legal aspects of collecting accounts including bankruptcy, repossession, deficiency, garnishment, collection agencies, foreclosures and judgments.
- Collections of charged off accounts on a monthly basis to increase recoveries and to reduce net charge offs.
- Manage all staff functions, including leave and attendance, professional development programs, efficiency management, training, mentorship, and coaching.
- Divides work load among collection staff, monitors progress, and ensures that all loans in collection receive appropriate attention in a timely manner.
- Maintains an accurate list of all accounts in collections including, but not limited to the aged delinquency report, skip tracing accounts, at collection agency or attorney, repossessions and bankrupt debtors.
- Held weekly training sessions for coaching opportunities and facilitated meetings to brainstorm on how to improve 3rd party probing, skip tracing, asset awareness, and negotiation Skills.
- Developed dialer strategies to target low performing accounts.
- Review accounts assigned to collectors where action beyond routine collection procedures is required and must be approved.
- Responsible for managing escalated calls, diffusing situations while creating solutions for resolution.
- Located and notified customers of delinquent accounts by mail, telephone and personal visits to solicit payment.
- Arranged for debt repayment or established repayment schedules based on customer's financial situations.
- Traced delinquent customers to new addresses by inquiring at post offices, telephone companies, credit bureaus or through the questioning of Neighbors.
Deputy Manager Collection
DCB Bank
01.2016 - 06.2022
- Manage a team of approx. 20 Customer Service Representatives and ensure that all key metrics of performance as per the system requirement.
- Manage team performance and responsible for the overall development of the team.
- Handle escalated customer calls and guide/assist the agents to take calls in premium queue and use of customer service tools.
- Works with the Operations Manager on maintaining department accordance with the planned workload.
- Ability to effectively manage often complex customer matters.
- Especially strong verbal communications skills.
- Responded to customer issues and complaints in courteous manner.
- Evaluated collections procedures to ensure compliance with regulations.
- Set monthly collections goals.
Senior Collection Executive
HDB Financial Services
09.2013 - 01.2016
- Experience in persuading customers for paying their past due amounts.
- Worked closely with billing department to review account records.
- Expertise in suggesting alternative solution for paying their debt.
- Excellent in understanding payment and credit related things
- Locating and notifying customers by phone or mail.
- Negotiating with debtors to expedite recovery process.
- Assisting to the subordinates during the collection of payments.
- Documenting and maintaining accurate and pertinent information on customer accounts.
- Coordinate collection agency communication.
Team Coach
OM INNOVATION CALL SERVICES PVT LTD. (DELHI)
06.2010 - 08.2013
Education
Bachelor of Arts -
Kanpur University
Kanpur, India 04.2001 -
12th
UP Board Allahabad
04.2007
10th
Up Board Allahabad
04.2005
Skills
Workload Management
Employee Performance Evaluations
Customer Relations
Negotiation
Problem-solving abilities
Certification
DRA Certified
Hobbies
Reading Books, Cooking, Travelling
Timeline
Deputy Manager Collection
HDFC Bank Ltd
07.2022 - Current
Deputy Manager Collection
DCB Bank
01.2016 - 06.2022
Senior Collection Executive
HDB Financial Services
09.2013 - 01.2016
Team Coach
OM INNOVATION CALL SERVICES PVT LTD. (DELHI)
06.2010 - 08.2013
Bachelor of Arts -
Kanpur University
04.2001 -
12th
UP Board Allahabad
10th
Up Board Allahabad
Similar Profiles
KAMALA SUBRAMANIANKAMALA SUBRAMANIAN
Senior Vice President and Unit Head at HDFC Bank Limited, HDFC BankSenior Vice President and Unit Head at HDFC Bank Limited, HDFC Bank
Jignesh PatelJignesh Patel
Relationship Manager at HDFC Sales Pvt. Ltd. (Group Company Of HDFC Bank)Relationship Manager at HDFC Sales Pvt. Ltd. (Group Company Of HDFC Bank)
Prodip SahaProdip Saha
Collection Officer at HDFC Bank, Bajaj Finance, Axis Bank, IDFC BankCollection Officer at HDFC Bank, Bajaj Finance, Axis Bank, IDFC Bank
Francis VanlalmawiaFrancis Vanlalmawia
Cashier Assistant Manager at HDFC BANK LTDCashier Assistant Manager at HDFC BANK LTD
Arindam SinghArindam Singh
AI Agent Architecture Intern at IBM at IBM India Pvt. Ltd.AI Agent Architecture Intern at IBM at IBM India Pvt. Ltd.