Summary
Overview
Work History
Education
Skills
Awards
Disclaimer
BEHAVIORAL CHARACTERISTICS
Certification
Languages
Timeline
Generic
Saroj Ranjan Panda

Saroj Ranjan Panda

Bhubaneswar

Summary

Seeking a challenging position to utilize my skills and abilities in areas of Collection & Business Development. Which offers a professional growth while being resourceful innovative and flexible. Responsible and motivated student ready to apply education in the workplace. Offers excellent technical abilities with software and applications, ability to handle challenging work, and excellent time management skills. Results-driven Area Collection Manager known for high productivity and efficient task completion. Possess specialized skills in debt recovery strategies, customer negotiation, and financial analysis. Excel in communication, leadership, and problem-solving to drive team performance and achieve collection targets. Seasoned Area Collection Manager with background in overseeing successful collection operations. Skilled in strategizing and implementing effective collection initiatives, ensuring compliance with legal guidelines, and managing high-performing teams. Known for strong leadership skills, ability to reduce debt outstanding amounts, and improving overall operational efficiency. Committed to fostering positive customer relationships while achieving business objectives.

Overview

17
17
years of professional experience
1
1
Certification

Work History

Area Collection Manager (ACM)

L&T Finance Services
05.2024 - Current
  • Job starts from May 2024 still continue..
  • Take care TW Flow Bkt Collection of Western Odisha.
  • Dealing with multiple Agencies with their daily collection related activities.
  • Watching More than 3000 cases of bkt x to 3 dist are Sundargarh,Sambalpur, Bargarh,Balangiri and Sonpur.
  • To maintain a healthy and clean portfolio, rigorously follow up agencies and their FOS to maintain DRR, deposition within TAT period and zero error while collecting dues from customer.
  • From starting of my tenure to till now always try to provide best performance as per my capabilities.

Collection Manager

Hero Fincorp Ltd
01.2022 - 04.2024
  • Taking care 4+ infinity TW and Matured Collection for district of Bargarh and Jharsuguda.
  • Handling Multiple agency with Calling Agencies and their FOS.
  • Daily Meeting, employee’s performance and yearly evaluations, taking care of attendance and punctuality, reporting daily productivity for the teams to senior management.
  • Collecting History of W-off cases and visit the huge DPD and High POS cases with Agency FOS with their TL, tried to resolve case by using our experience and skill.
  • Maximum case never vehicle sold any other third party, tried to search the vehicle from reliable sources then if possible settle the case or Repossess the Asset.
  • Repo Vehicle Punched in System after Yard the same in us empanel stock yard with proper Inventory format, with vehicle Per & Post entry.
  • Repo Vehicle sold is also our responsibility, collecting online bidding amount through our vendor tried to sold the asset on stipulated time. Some times offline bidding taken from local vendor and tried to sold the Asset.
  • Fallow all the collection guideline of RBI given and also guided all collection vendor to fallow the norms as per the guide line. While visiting Cmr door step with Agency FOS and Staff tried to guide them, how to talk with cmr as per guide line.
  • Fallow the Management Target as given & Tried to over achieve every Month.
  • Key Deliverables:

Collection Manager

HDFC Bank Ltd
11.2019 - 06.2022
  • Products are:-Two Wheeler Loan
  • Designation: - Collection Manager
  • Duration: - Nov-2019 to June 2022

Collection Manager

Bajaj Auto Finance Ltd
10.2017 - 11.2019
  • Handling Multiple Collection Agencies and their issues.
  • To maintain a healthy Portfolio with multiple Location Like( Rourkela,Rajgangapur,Banei,Jharsuguda,Kuchinda,Bamra, Debagarh,Bhuyapanta , Munguda ,Raj Khariar & Khariar Road ).
  • Our main concern area is deposition, which is most crucial part of our job, we monitor them properly.
  • Products are:-Two Wheeler Loan

Assistant Manager-2

DCB Bank
06.2014 - 09.2017
  • To handle a multiple products line, Tractor loan & FI, Gold loan Collection, Housing loan collection, and Commercial vehicles loan collection & KCC loan collection. Handling in house collection executive and guide them as per the process to achieving the organization goal sheet.
  • Products are:-Tractor Loan, Mortgage Loan, Gold Loan

Team Member

ICICI Bank (I Process)
07.2013 - 06.2014
  • Under I process of Icici Bank, I was appointed as a collection officer. As a executive ,i always fallow the process and policy of the organization. As instructed by collection manager trying to given my best to achieve in my target as well as bank target.
  • Products are:-CV, CE, ME, OE, 3W

Team Leader (Dept Coll) Under Collection Agency, for ICICI Bank Ltd

Infinity Services
05.2008 - 12.2012
  • I started my carrier as a collection executive and then Team leader in Infinity Services by the supervision of my agency owner Mr. Samir Sahoo. I was handling multiple products for ICICI Bank and handling numbers of collection executive in different loan. My focus was to give my best in my work as well as my team work.
  • Products are:-CV, CE, ME, OE, 3W, HI, AUTO&UC

Education

MBA -

Punjab Technical University
01.2010

Graduation - History (Hons.)

Utkal University
01.2004

12th -

C.H.S.E. Orissa
01.2001

10th -

B.S.E.O.
01.1998

Skills

  • Operating systems expertise
  • Automation tools proficiency
  • Debt collection strategies
  • Portfolio oversight
  • Risk mitigation techniques
  • Communication effectiveness
  • Analytical problem solving
  • Process improvement initiatives
  • Online navigation skills

Awards

As per 17-18 Q-4 Target and Goal sheet, i achieved the best performer star of the Quarter award in bkt 1 ,bkt 2 Stab And bkt 3 rb Target and did top in pi collection in my concern location., In 2017 March, got certificate of best collection performer award in Gold loan in east reason., Awarded as best employee collection in the Yr’15/16, From Managing Director & CEO of DCB Bank Mr. Murali M. Natrajan.

Disclaimer

I consider myself familiar with my Job Collection as well as Marketing aspects. I am also confident of my ability to work in a team. I do hereby declare that the above mentioned details are true to the best of my knowledge and belief. Date:-27.12.2024 Place:-Bhubaneswar Saroj ranjan Panda

BEHAVIORAL CHARACTERISTICS

  • Strong interpersonal skills and good communication skill.
  • Strong trouble shooting capabilities and problem solving & team leading capabilities.
  • Demonstrated ability to acquire and apply new ideas and skills to various problem domains.
  • Strong leadership skills, ability to communicate to multiple teams about project objectives, ability to guide & help understand and help understand project functionalities.
  • Honest by profession & enthusiast enough to learn new concepts and intelligent enough to advance with the situation.

Certification

Pass out DRA Training Certificate Exam from Indian Institute of Banking & Finance (IIBF) Regd. No-845032850 in the year 2009.

Languages

Odia
First Language
English
Upper Intermediate (B2)
B2
Hindi
Upper Intermediate (B2)
B2

Timeline

Area Collection Manager (ACM)

L&T Finance Services
05.2024 - Current

Collection Manager

Hero Fincorp Ltd
01.2022 - 04.2024

Collection Manager

HDFC Bank Ltd
11.2019 - 06.2022

Collection Manager

Bajaj Auto Finance Ltd
10.2017 - 11.2019

Assistant Manager-2

DCB Bank
06.2014 - 09.2017

Team Member

ICICI Bank (I Process)
07.2013 - 06.2014

Team Leader (Dept Coll) Under Collection Agency, for ICICI Bank Ltd

Infinity Services
05.2008 - 12.2012

MBA -

Punjab Technical University

Graduation - History (Hons.)

Utkal University

12th -

C.H.S.E. Orissa

10th -

B.S.E.O.
Saroj Ranjan Panda