Banker
Rishabh Jain
Axis Bank
New Delhi,Delhi
20
years of professional experience
To Implement my Knowledge and Skills in the Corporate Banking Sector. Seeking a position to utilize my skills and abilities in a company that offers security and professional growth. I find myself highly disciplined, resourceful, innovative and flexible and constantly strive to develop innovative business and solutions through the use of my loyal work ethics.
Work History
Area Collection Manager for Credit Cards WOFF (Senior Manager)
2 Years 9 Months- Handling Write Off pool with specifically fresh write-off cases.
- Handling Portfolio of 300 Crores for Field activity for Card with 4 CLM and 14 channel
- Achieving Average ROR of 0.70 %
- Hiring Channels timely with the increase in POOL so as to facilitate Pool balancing and proper distribution to achieve the target.
- Evaluating the performance of channels as per Bank’s requirement (Target).
- Distributing of Allocation for the State (Vintage /Pos Band/Capacity of Channel).
- Procuring Data from Central Team CIBIL ,DS etc so as to help trace customer which are not contactable
- Taking Care of Channel Billing (So as to make sure channel get paid within Billing TAT).
- Periodical Process and Audit training to Channel So as to minimize Customer complaint etc
- Joined as in Oct 2023.
Senior Manager
15 Years- Handling Write Off poolfor Unsecured Loans with specifically fresh write-off cases.
- Taking Care of all the audit activity relating to agency like Receipt Recon , ID card issuance Documentation formalities related to agencies like PV contracts etc.
- Engaged in empanelment of agencies after doing their RCU checks and verifications till the agreement is signed.
- Taking care of Agency set up, Training, Development, and Process Improvement etc
- Maintaining regular feedback and generating MIS to manage collections.
- Maintaining relations with customers, proactively resolving customer complaints and disputes for performance and to generate further business.
- Taking care of agency billing and payouts to ensure timely payments to vendor
- Specifically following up for Non-starter and skip cases in the write-off pool to make them contactable or workable for getting payment from customers.
- Promoted to Senior Manager in June 2020.
- Promoted to Manager in Oct 2017
- Promoted to Deputy Manager in Dec 2010
- Joined as an Assistant Manager for Retail Assets Collections (Unsecured Portfolio Recoveries) based at Delhi NCR on the payrolls of HDFC Bank Ltd in October 08 till date.
Collection Officer
5 Months- Working as Collection Officer for Consumer Finance Collection at Noida on the payrolls of HSBC Bank as a Collection Officer in their HR Band.
Agency Manager for Auto Loans Collections
1 Year 7 Months- Worked as an Agency Manager for Auto Loans Collections at New Delhi on the payrolls of ICICI Home Finance Company (Sister Concern of ICICI Bank) ICICI Bank as Collection Executive 111 (CE 111) in their HR Band.
- Worked with ICICI Bank as Agency Manager for Auto Loans Collections at New Delhi on the payrolls of I-Process India Pvt Ltd as a Team Leader in their HR Band, from August 2006 till August 2007.
- Rewarded as the “Best Agency Manager” in Delhi from a team of 32 members for the month of Jan 08 in the campaign run by ICICI Bank “Champion among Champions”.
Education
Master in International Business Management (MIBM)
- Formerly known as Meerut University campus.
- GPA: 67%
Bachelors of Commerce
GPA: 53%
10+2 Std.
GPA: 76%
10th Std.
GPA: 61%
Skills
MS-DOS
Windows 9x
Me/2000/XP/Vista
Expertise in Microsoft Excel and Outlook.
Interests
Cricket
Traveling & interacting with people
Keep updated with Current Affairs & Stock market.
Timeline
Area Collection Manager for Credit Cards WOFF (Senior Manager)
Axis Bank
10.2023 - CurrentRead More
Senior Manager
HDFC BANK
10.2008 - 10.2023Read More
Collection Officer
HSBC BANK
04.2008 - 09.2008Read More
Agency Manager for Auto Loans Collections
ICICI BANK
08.2006 - 03.2008Read More
AISSE (Vardhman Academy)
10th Std.
Read More
AISSCE (Vardhman Academy)
10+2 Std.
Read More
Dev Nagri Degree College (Ch. Charan Singh University)
Bachelors of Commerce
Read More
C.C.S. University
Master in International Business Management (MIBM)
Read More
PROFILE
- 19 years of experience.
- Vendor Management.
- Specialization in Collection, Customer Relationship Management and Strategic planning.
- Experience in managing people, execution at vendor place and leading multi- functional teams.
- In-depth understanding of collection operations inclusive of planning recovery from customers against pending payments after providing advice on the various payment options.
- Strong Process Orientation and devising control measures to ensure compliance.
- Handling of Concurrent & Internal Audit.
- Analyzing & reviewing the market and communicating the same to the collections teams for accomplishment of the business goals.
- Monitoring collections & recovery processes, devising and setting up new processes & procedures for improving collections / recovery time.
- Training, motivating, mentoring and guiding subordinates on the various risk containment policies, new trends as well as fraud prevention & detection.
- Imparting training to agencies team to implement audit norms and policies as per Industry guidelines and ensuring strict adherence to various norms.
- Legal Compliance as and when necessary to ensure recovery of dues and coordinating the litigation and related legal work of the company.
- Tracing the non contactable and fraud customers to get them in the contact of the bank and get the payments to reduce the delinquency.
Administrative Experience
- Self employed for 18 Months from 2001-2003 in the family business of jewelry.
- Worked as a DAE from 2003-2004 for Reliance Infocom.
Disclaimer
I hereby declare that all the statements made above are true and complete to the best of my knowledge and belief and nothing has been concealed / distorted. Place: NEW DELHI Date: 2025-11-02 RISHABH JAIN