Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
SACHIN HANS

SACHIN HANS

New Delhi

Summary

Proactive and meticulous Collections Professional with over 2 decades years of experience in Retail Finance domain. Proficient in collection strategies, building digital debt management platforms, mentoring and motivating large field force. Proven ability to lead and motivate large cross-functional and multi-cultural teams to maximize productivity.

Overview

22
22
years of professional experience
4
4
Certification

Work History

Head Collections

BharatPe
08.2023 - Current


  • Managing Collections Portfolio of Merchant & Consumer lending products spread across the Country.
  • Monitor the delinquent base closely and timely update the management on the risk parameters and market scenarios linked to repayments.
  • Closely work with tech & product team to streamline process related to Co-lending based collections
  • Evaluate cost and find measures to reduce the cost without affecting flows.
  • Project the capacity plan of outsource call center in line with prevalent collections & business AOP.
  • Implementing an end-to-end Collections Management

Head Collections & Legal (Vice President)

Indifi Technologies Pvt Ltd
09.2021 - 08.2023


  • Responsible for performance of buckets (flows) and to keep NPA within budgeted levels to ensure portfolio profitability.
  • Ensuring cordial lender relations in the co-lending model with strategic tie ups with various tech platforms.
  • Introducing more flexible and newer ways of remittance of dues for customers.
  • Keep checks on scheduled adherence, capacity planning & overall work force management.
  • Keep a tab on operating effectiveness of Dialers & Collections CRM.
  • Identify and empanel effective agencies for achieving recovery targets.

Deputy General Manager: Receivables Management

Mahindra & Mahindra Financial Services
05.2016 - 09.2021


  • Managing Hard Bucket Collections (Bucket 3-4) for 190 branches spread across North India (including Rajasthan)
  • Roll rates to be maintained for bucket 3 & 4 to lower buckets
  • Ensuring proper contract allocation in field ( total 400+ team members)
  • Ensuring Current Demand efficiency to be at 85 % for the month.
  • Collaborate with legal team to get Sec 17/ Sec 9 & Arbitration executed on the field.

Regional Manager: Sales & Collections

Mahindra & Mahindra Financial Services
07.2014 - 05.2016


  • Managing 27 Branches across Delhi NCR with a team strength of over 350 resources engaged in Sales & Collections of New Car Loans, Used Car Finance, Commercial loans, Tractor Finance, HCV, LCV & Genset finance.
  • Managing P & L for the region and ensuring PBT targets are met for individual branches.
  • Risk Assessment and Collections of all Secured loans in Region – including NPA resolution and heading task force for controlling credit losses.
  • Conducting Disposal Auctions for repossessed stock .

Area Head - Delhi, Haryana, Punjab & Himachal

TVS Credit Services - Subsidiary of TVS Motor Company Ltd
04.2011 - 06.2014


  • Setting up the TVS Credit operations in North India
  • As a initial team member of the organization was responsible for building the team from the scratch.
  • Framing Credit Policy with respect to Delhi Market.
  • Comprehensive Market Study for positioning TVS CS product and identifying dealers to kick start the business.
  • Managing Collections for the entire portfolio from X till Infinity

City Head - Secured Loans Delhi NCR

Family Credit India - Societe Generale Group
09.2010 - 03.2011
  • Auto Loans - empaneling New Car dealer points for Sourcing business across Delhi NCR
  • Also Assessing Inventory requirement for these dealers and planning business lock in with Trade Advance Facility.

Location Head- Secured Business - Delhi NCR

Fullerton India Credit Company Ltd
06.2007 - 06.2010
  • Joined as a Branch Head in 2007 , managing Sales and Collections for the Branch
  • Promoted as Location Head Sales & Collections for Two wheeler Finance in 2009
  • Empaneling Dealer network across Delhi NCR - Biggest two wheeler market in India; Special Focus on capturing Hero Honda and Honda Motors volumes;

Center Manger

HSBC BANK
06.2006 - 06.2007
  • Drive STPL Hub based out of Dadar( Mumbai) as per Business targets.
  • Compliance and Quality monitoring to ensure DST team adheres to the bank guidelines

Asst Manager - Consumer Finance Business

CitiFinancial Consumer Finance India Limited
06.2004 - 06.2006
  • Managing Two-Wheeler and Consumer Durable Business via dealer network (Delhi & Odisha)

Area Sales Executive

TVS MOTOR COMPANY
09.2002 - 06.2004
  • Managing Primary and secondary Dealer network ; Basic job of a Sales officer at TVS is to add value to my dealer/sub dealer network and motivate the team to achieve higher targets month after month.


Education

BBA - Marketing

College of Business Studies Delhi University, Delhi University
01.2002

Aggregate: 65%

School -

Don Bosco, Delhi
01.1999
  • Aggregate: 79%
  • Board: CBSE

Skills

  • Transportation Planning
  • Data-driven decision-making
  • Digital Transformation
  • Strategic Planning

Certification

  • IIM Bangalore - Growing as a Leader: Executive Management Development Program, 08/2019
  • Copenhagen Business School, Denmark - Innovation Strategy: Developing your Fintech Strategy, 09/2021
  • ESSEC Business School, France - Diversity & Inclusion in the workplace.
  • Northwestern University, Illinois- Leadership Communication for Maximum Impact

Languages

English
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Punjabi
Upper intermediate (B2)

Timeline

Head Collections - BharatPe
08.2023 - Current
Head Collections & Legal (Vice President) - Indifi Technologies Pvt Ltd
09.2021 - 08.2023
Deputy General Manager: Receivables Management - Mahindra & Mahindra Financial Services
05.2016 - 09.2021
Regional Manager: Sales & Collections - Mahindra & Mahindra Financial Services
07.2014 - 05.2016
Area Head - Delhi, Haryana, Punjab & Himachal - TVS Credit Services - Subsidiary of TVS Motor Company Ltd
04.2011 - 06.2014
City Head - Secured Loans Delhi NCR - Family Credit India - Societe Generale Group
09.2010 - 03.2011
Location Head- Secured Business - Delhi NCR - Fullerton India Credit Company Ltd
06.2007 - 06.2010
Center Manger - HSBC BANK
06.2006 - 06.2007
Asst Manager - Consumer Finance Business - CitiFinancial Consumer Finance India Limited
06.2004 - 06.2006
Area Sales Executive - TVS MOTOR COMPANY
09.2002 - 06.2004
College of Business Studies Delhi University - BBA, Marketing
Don Bosco, Delhi - School,

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