Ruchika Mehra

Dynamic manager with a proven track record at HDFC Bank Limited, excelling in debt recovery and collections. Adept at strategy development and team leadership, I drive performance through effective coaching and analytics. Skilled in regulatory compliance and negotiation, I consistently achieve results that enhance operational efficiency and team success.

Credit Card Collections Manager

• Team Management: Led a large tele-calling collections unit of over 50 agents, focusing on recovery from credit card defaulters.
• Delinquency Management: Oversaw collections strategies for various stages of delinquency:
• 1-Month Defaulters (DPD 30) – Early-stage recovery with high focus on customer engagement and repayment conversion.
• 2-Month Defaulters (DPD 60) – Managed mid-stage delinquent accounts with customized payment plans and follow-up protocols.
• Write-Off Team – Handled recovery from charged-off accounts through strategic communication and negotiation techniques.
• Performance Monitoring: Regularly tracked team performance using MIS reports and KPIs, and implemented corrective measures to boost productivity.
• Compliance & Quality Control: Ensured adherence to regulatory guidelines, company policies, and quality assurance standards.
• Training & Development: Provided training, coaching, and motivation to team members to enhance recovery skills and customer handling.