Sachin Kumar
Krishna Vatika Gaur city 2 Ghaziabad
Summary
Area Collection Manager with 8+ years in debt recovery and financial analysis. Skilled in leading large teams and executing strategies for banks, NBFCs, and FinTechs. Achieved consistent collection targets through effective negotiation and communication. Expertise in vendor management, collections analytics, and compliance ensures optimal recovery outcomes.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Area Recovery Manager
@ Money Map Advisors Pvt. Ltd
DELHI NCR
07.2025 - Current
- Managed relationships with banks, NBFCs, and fintech clients to ensure adherence to portfolio-specific recovery policies.
- Developed and implemented multi-channel debt recovery strategies, including calls, field visits, digital reminders, and legal notices.
- Monitored collection teams to exceed recovery targets and key performance indicators.
- Segmented borrower accounts by risk and delinquency trends, designing targeted collection approaches.
- Ensured compliance with regulatory requirements and maintained accurate documentation.
- Coordinated legal escalations for overdue accounts while managing dispute resolution processes.
- Prepared detailed performance reports and dashboards for clients, providing actionable insights.
- Trained collection teams to enhance negotiation skills, compliance awareness, and operational efficiency.
Team Manager Collection
@ HDB Financial Services Limited
Noida
09.2024 - 06.2025
- Managed delinquent portfolios and monitored NPAs to ensure timely recovery.
- Coordinated with internal teams and external debt recovery agencies to meet collection targets.
- Supervised staff while mentoring on compliance and effective recovery practices.
- Monitored agency performance, ensuring strict adherence to regulatory guidelines.
- Resolved borrower disputes and escalations according to bank policies.
- Prepared performance reports and recovery forecasts for management review.
Assistant Manager - Collection & Recovery
@ VGM Consultant Limited
DELHI NCR
08.2022 - 08.2024
- Directed team of 6 leaders and 80 agents to improve operational efficiency.
- Managed collections for L&T Finance and Poonawalla Fincorp across Flows, NPAs, and W-offs.
- Established performance targets aligned with organizational goals to drive collection efficiency.
- Have successfully managed TW, CV, CE, Tractor, New Car, Used Car, SME, and STPL.
Supervisor
MBA Consulting India Pvt. Ltd.
Noida
10.2021 - 09.2022
Team Leader
PC Financial Services Pvt. Ltd.
Gurgaon
11.2018 - 09.2021
Executive
Home Credit India
Gurgaon
08.2017 - 11.2018
Education
Master of Business Administration - Business Analitics
Symbiosis School for Online & Digital Learning
Pune12.2025
Bachelor of Science - PCM
Dr. Bhimrao Ambedkar University (DBRAU)
Agara03.2016
Skills
- Debt recovery and portfolio management
- Client relationship management
- Team leadership
- Negotiation and persuasion
- Agency coordination
- Regulatory compliance
- Reporting and analytics
- Process optimization
- Communication and stakeholder management
- Vendor management and performance
- Collections analytics and portfolio strategy
- Legal intervention and compliance
- Risk and fraud monitoring
- Field operations and documentation
- Customer engagement and stakeholder management
- Financial reporting and oversight
- Market expansion strategy
- Analytical problem-solving skills
- Stakeholder leadership and communication
Certification
- DRA Certified
- Diploma in Computer Application
Languages
- English
- Hindi
Awards
- Quarterly RnR, G.P. Patnayak, 04/2023, For 6 months consistently managed to be the PAN India top center in Collection in VGM Consults Pvt. Ltd.
- Reward and Recognition, Robin Du, 03/2019, For Best Team Leader in Compliance.
Timeline
Area Recovery Manager
@ Money Map Advisors Pvt. Ltd
07.2025 - Current
Team Manager Collection
@ HDB Financial Services Limited
09.2024 - 06.2025
Assistant Manager - Collection & Recovery
@ VGM Consultant Limited
08.2022 - 08.2024
Supervisor
MBA Consulting India Pvt. Ltd.
10.2021 - 09.2022
Team Leader
PC Financial Services Pvt. Ltd.
11.2018 - 09.2021
Executive
Home Credit India
08.2017 - 11.2018
Master of Business Administration - Business Analitics
Symbiosis School for Online & Digital Learning
Bachelor of Science - PCM
Dr. Bhimrao Ambedkar University (DBRAU)