Sandesh Dattaram Gondhali
Virar
Summary
Results-driven Area Collection Manager with 7+ years of experience overseeing multi-site accounts receivable, credit risk mitigation, and debt recovery operations. Proven track record of reducing delinquency rates, optimizing field and call-center collection workflows, and leading high-performing teams to surpass regional financial targets. Strong compliance and auditing background with deep expertise in financial reporting and stakeholder management.
Overview
13
13
years of professional experience
Work History
Area Manager
L & T Finance Ltd.
06.2025 - Current
- Oversaw 2W and PL portfolio in Mumbai region starting June 2025.
- Managed team of collection officers and field agencies to enhance performance., training, mentoring, and monitoring the performance of collection officers and field agencies.
- Analyzed bucket-wise/segment-wise data to monitor and control non-performing assets (NPAs) and overdue payments, contributing to improved recovery outcomes.
- Relationship Management: Negotiating with customers regarding non-payment, handling escalated complaints, and maintaining strong, ethical client relationships.
- Team Management:, training, mentoring, and monitoring the performance of collection officers and field agencies.
- Negotiated with customers on non-payment, resolved escalated complaints, and fostered strong, ethical client relationships to support collection objectives.
Manager
Tata Capital Ltd.
03.2025 - 04.2025
- Handled UCF loan portfolio from Mar 2025 to April 2025 Mumbai region as Collection Manager
- Managed 4-wheeler vehicles within non-performing asset (NPA) pool for timely recovery efforts.
- Monitored 3 collection agencies across Mumbai region, managing approximately 120 customer accounts.
- Coordinated repossession activities with 4 agencies to optimize vehicle recovery efforts.
- Meticulously review the accounts with the field staffs and devise action plan to ensure a smooth collection and personally visits on disputes, critical, problematic and high value cases, also repossession activities.
- Meticulously review the accounts with the field staffs and devise an action plan to ensure a smooth collection and personally visit on disputes, critical, problematic and high value cases, also repossession activities.
- Execute the various legal tools like Section 138, Section 9, Section 17 for recovery.
- Coordinating with legal dept., sales dept., dealers or repo agent for critical or normal cases wherever required and follow up with insurance institute for an accident vehicle payment.
Deputy Manager
Bajaj Finserv Ltd.
02.2021 - 03.2025
- Handled CV loan portfolio for Mumbai region as Collection Manager
- Monitoring 2 in- house FOS and 3 collection agencies for entire Mumbai region with 900 counts of customer approximately.
- Day wise target monitoring of collections & release/recovery of field team. To reduce the defaulter list, I set targets and ensure the target being achieved through reporting of Daily Collection Reports & by reviewing the performances.
- Coordinated repossession activities with 3 agencies to optimize vehicle recovery rates in the Mumbai region.
- Execute the various legal tools like Section 138, Section 9, Section 17, and Section 420 to recover the write-off cases.
- Meticulously review the accounts with the field staffs and devise action plan to ensure a smooth collection and personally visit on disputes, critical, problematic and high value cases, also repossession activities.
- Managed customer escalations by coordinating with the compliance team to resolve issues efficiently. along with compliance team which are raised by customers.
- Coordinating with legal dept., sales dept., dealers or repo agent for critical or normal cases wherever required and follow up with insurance institute for an accident vehicle payment.
- Ensure that all process should be complete and adhere as per RBI guidelines and Audit point of view and all audit procedures are strictly followed by vendor end.
Deputy Manager
ICICI BANK LTD
10.2019 - 09.2020
- Handled all buckets of Commercial vehicle and Commercial equipment’s portfolio consisting of more than 250 customers.
- Personally, monitoring high value customers of Strategic, Retail and FTU segments. Personally, visits on disputes, problematic and high value cases.
- Monitored the execution of the portfolio by 3 in-house field executives and 3 agencies.
- Set targets for the in-house team and agencies, conducting daily reviews, routine visits, and training.
- Formulated collection strategies to control the overall delinquency rate.
- Handing matured pool cases for collection of cheque bouncing and late payment charges from non-delinquent cases.
- Target Delivery month on month basis as per Bank requirement. Achieving the given target by Management.
- Filed legal actions under Sec. 138 for delinquent customers and attended court hearings.
- Coordinating with legal dept., sales dept., dealers or repo agent for critical or normal cases wherever require and follow up with insurance institute for an accident vehicle payment.
- Ensure that all process should be complete and adhere as per Bank and Audit point of view.
Sales Consultant
Shreenath Motors Pvt Ltd
08.2018 - 10.2019
- Handled counter sales and corporate sales.
Sales Consultant
Sai Service Pvt Ltd
03.2015 - 12.2017
- Managed counter and corporate sales to enhance customer engagement.
- Handling enquiries on counter and tele calling for new car sales of Maruti cars.
Sales Consultant
Solitaire Honda
10.2013 - 03.2015
- Handled enquiries in showroom for new car sales of Honda cars
Education
BMS -
B.H. Baing College
Mumbai01-2012
Skills
- Delinquency analysis
- Collection &Recovery Management
- Regulatory Compliance
- Agency & Vendor Management
- Operations management
- MIS & Data Proficiency
- Client Negotiation
- Problem solving
- Training and Development
- Relationship management
- Relationship building and management
- Data Management
- Systems and software expertise
PORTFOLIO & PRODUCT EXPOSURE
- Two Wheeler Loan- Bkt 3+ to write-off pool management in current role.
- Personal Loan- Bkt 3+ to write-off pool management
- Auto Loan- Bkt 2 and pot NPA pool management
- Commercial Vehicle- Bkt 2 and pot NPA pool management
PERSONAL DETAILS
Date Of Birth: 23rd September 1991
Location: Mumbai
Languages: Marathi, Hindi, English
Hobbies: Traveling
DECLARATION
I herby declare that the information provided above is true to the best of my knowledge and belief.
Place : Mumbai Signature
Date : Sandesh Dattaram Gondhali
Timeline
Area Manager
L & T Finance Ltd.
06.2025 - Current
Manager
Tata Capital Ltd.
03.2025 - 04.2025
Deputy Manager
Bajaj Finserv Ltd.
02.2021 - 03.2025
Deputy Manager
ICICI BANK LTD
10.2019 - 09.2020
Sales Consultant
Shreenath Motors Pvt Ltd
08.2018 - 10.2019
Sales Consultant
Sai Service Pvt Ltd
03.2015 - 12.2017
Sales Consultant
Solitaire Honda
10.2013 - 03.2015
BMS -
B.H. Baing College