S SIVA
Tirupati
Summary
I am an experienced Collection Associate with more than 8+ years of experience in the field of debt collection. I have been highly successful in collecting debts from customers on behalf of my clients. My interpersonal and negotiating skills have enabled me to maintain a good relationship with my clients. I have proven that I can handle all types of challenging situations related to debt collection while remaining professional and courteous. My ability to think on my feet and solve issue quickly has been key to my success. I am also highly organized, detail-oriented and a strong team player who is always ready for any challenge that comes my way. My biggest achievements include successfully recovering 90% of the debts within the time frame set by my clients and maintaining a high level of customer satisfaction.
Overview
9
9
years of professional experience
Work History
Collections Manager
India shelter finance corporation ltd
Tirupati
02.2025 - Current
- Managed customer accounts to ensure timely collections and updated records.
- Developed collection strategies to improve cash flow and reduce delinquencies.
- Trained and mentored team members on effective collection techniques.
- Coordinated with legal teams for debt recovery processes when necessary.
- Communicated with clients to resolve payment disputes and negotiate settlements.
- Conducted month-end balance sheet reviews and reconciled variances.
- Collaborated with legal department to initiate litigation against delinquent customers when necessary.
Collection Associate
HDB Financial Services Ltd.
Tirupati
01.2021 - 01.2024
- Was tasked with managing customer accounts and ensuring the timely collection of overdue payments.
- Responsible for providing assistance to customers with financial difficulties, demonstrating exceptional negotiation and communication skills.
- Developed a deep understanding of various areas of the financial services industry including debt collection, credit management, and account reconciliation.
- Established and maintained effective customer relationships.
- Negotiated payment plans and settlements.
- Improved processes to enhance customer experiences.
- Ensured adherence to corporate policies and procedures.
- Reconciled accounts to identify discrepancies.
- Monitored customer accounts for overdue payments.
- Researched and resolved customer inquiries.
Team Lease Recovery Officer
Bajaj Finserv
Tirupati
01.2020 - 01.2021
- Responsible for the recovery of delinquent loans and overdue accounts in a timely, accurate and efficient manner.
- Developed and maintained good customer relations while working in a fast-paced, team environment.
- Managed a portfolio of delinquent accounts.
- Negotiated payment plans and settlements.
- Reviewed past dues and identified potential risks.
- Developed strategies to increase recoveries.
- Monitored accounts for early defaults.
- Prepared reports on collection activities.
Team Leader
Bajaj Finserv
Tirupati
01.2017 - 01.2020
- Served as a team leader for 3 years at Bajaj Finserv.
- Led and managed the team to achieve company goals while ensuring customer experience was positive.
- Motivated and encouraged the team to drive productivity.
- Managed team performance and mentored new hires.
- Provided leadership and direction to ensure successful completion of projects.
- Developed delivery process improvements for efficiency.
- Maintained high quality service standards.
- Ensured compliance with company policies.
- Resolved customer complaints in a timely manner.
- Generated reports on team performance and progress.
Education
SSLC -
Board of Secondary School
Nochili, Tamil NaduHSC (Intermediate) -
Boaard of Higher Secondary School
Athimaljaeripeta, TamilNaduBachelor of Science (BS) -
SGS Arts College
TirupatiBachelor of Education (BEd) -
Rayalaseema College of Education
TirupatiSkills
- Leadership
- Negotiation
- Teamwork
- Problem-Solving
- Communication
- Organization
- Collections strategy
- Team leadership
Hobbies and Interests
- Bike riding
- Reading
- Traveling
Disclaimer
I hereby declare that the information furnished above is true.
Languages
- Telugu
- English
- Tamil
Personal Information
- Date of Birth: 05/07/91
- Nationality: Indian, Indhu
- Place of Birth: Tirupati
Languages
Telugu
Beginner
A1
English
Beginner
A1
Tamil
Beginner
A1
Timeline
Collections Manager
India shelter finance corporation ltd
02.2025 - Current
Collection Associate
HDB Financial Services Ltd.
01.2021 - 01.2024
Team Lease Recovery Officer
Bajaj Finserv
01.2020 - 01.2021
Team Leader
Bajaj Finserv
01.2017 - 01.2020
SSLC -
Board of Secondary School
HSC (Intermediate) -
Boaard of Higher Secondary School
Bachelor of Science (BS) -
SGS Arts College
Bachelor of Education (BEd) -
Rayalaseema College of Education