Rishabh Gupta
Debt Manager
Delhi
Summary
Knowledgeable Debt Manager with solid background in debt management. Successfully led initiatives to optimize debt recovery processes and enhance financial stability for clients. Demonstrated expertise in risk assessment and client relationship management.
Overview
5
5
years of professional experience
2
2
Languages
Work History
Debt Manager
HDB Financial Services Ltd.
09.2022 - Current
- Portfolio Management (Bucket 1): Strategically manage the 60–90 DPD (Days Past Due) portfolio to ensure maximum resolution and prevent accounts from rolling over into higher buckets.
- Agency & Team Leadership: Oversee and drive the performance of internal collection "Feet on Street" (FOS) teams across Delhi NCR, ensuring daily target achievement.
- Delinquency Control: Implement targeted strategies for "Non-Starters" (First EMI Defaults) to maintain a clean portfolio from the entry stage.
- Territory Planning: Map and allocate high-delinquency clusters within Delhi NCR to optimize field visits and recovery efficiency.
- Stakeholder Coordination: Collaborate with the Credit and Sales teams to provide feedback on sourcing quality based on collection trends in specific Delhi NCR catchments.
- Compliance & Ethics: Ensure 100% adherence to RBI’s Fair Practices Code and bank internal guidelines, ensuring no "soft-skill" or harassment issues during the recovery process.
- MIS & Reporting: Generate and analyze daily/weekly performance reports (MIS) to track resolution rates, collection costs, and agency productivity.
Debt Manager
Bajaj Finance Ltd.
06.2022 - 09.2025
- Managing collection channel partners with a team of FOS (field executives), Tell callers, & team leaders, & monitoring / driving/ motivating them to achieve the targets set. Providing them with feedback and every possible tool which would facilitate them in achieving targets.
- Responsible for having strategies in place to facilitate increase in collection & aligned with the overall recovery ambitions of the Business and working towards meeting the target of the Organization.
- Responsible for providing feedback to Sales team on case behavior prior any further lending by the company on those account’s which have been referred to Collection’s.
- Monitoring support activities of Debt Management like Cash Deposits, Agreements, Reconciliation’s, and Annexure, Commission Bills.
Debt Collection Officer – Flows (Consumer durables)
Team Lease Pvt Ltd.
08.2021 - 07.2022
- Handling Collection process.
- Responsible for managing data for revenue collection.
- Responsible for planning & allocating data for tele-calling and field team.
- Responsible for smooth functioning of end to end process.
- Single point of contact with the senior management for all related MIS’s.
- Handle escalated complaints received through letter correspondences & service operations.
- Work in tandem with the workflow through planning.
- Previous Job : Team LeasePvt Ltd.(3Aug-21 to 25 Jun-22)
Education
Graduate - BOV (Mobile Communication)
Guru Gobind Singh Indraprastha University
Delhi01.2019
AISSC - undefined
Ramjas School
01.2015
AISSE - undefined
Ramjas School
01.2013
Skills
Manpower Management
Process Improvement
Debt recovery strategies
Portfolio management
Timeline
Debt Manager
HDB Financial Services Ltd.
09.2022 - Current
Debt Manager
Bajaj Finance Ltd.
06.2022 - 09.2025
Debt Collection Officer – Flows (Consumer durables)
Team Lease Pvt Ltd.
08.2021 - 07.2022
AISSC - undefined
Ramjas School
AISSE - undefined
Ramjas School
Graduate - BOV (Mobile Communication)
Guru Gobind Singh Indraprastha University
Training Attended:
- Training in Goal setting.
- Training For Time Management.
- Fundamental of communication.
Disclaimer
Dated:-
Rishabh Gupta
Location: New Delhi