SHIVAM GUPTA

• P&L Manager - My Primary responsibility is to ensure that our portfolio is profitable by exceeding the minimum performance levels of our agent This involves timely monitoring , real time training and call listening activities to continuously improve our performance
• Portfolio Management - My job is to grow our portfolio in terms of its value, the number of employees associated with it, and the opportunities it provides.
• Client Management - Effective client management is essential for maximizing portfolio outcomes. By encouraging structured discussions, ensuring timely reporting, conducting regular reviews, collaborating with clients, and providing responsive support, we strive to deliver exceptional results and exceed client expectations.
• Hiring - A well-executed hiring process contributes to organizational growth, innovation, and overall success by aligning talent with business objectives and promotes a positive and productive work environment.
• Dialer Execution - In the collection process, dialer execution plays a crucial role in efficiently contacting and communicating with debtors. It involves the strategic use of dialing systems to initiate and manage outbound calls to delinquent accounts, not only providing the connects it is a chain starts post connect guiding team to do proper probing in order to establish a right party connect then providing the best possible solution based upon customer need and bank's process.
• Performance Management - performance management is a vital part in any process that requires a well planned tracking on KPI Key performance indicators, fostering open dialogue, and promoting a culture of suggestion. Regular team and one-on-one discussions, coupled with timely recognition and reviews, enhance visibility and team effectiveness.
• Attrition Management - To achieve this, I need to manage attrition by aligning our agents' goals with our organization's vision and creating a supportive environment where everyone is willing to help each other.
• Business Growth Initiatives - Regular updates are essential for driving optimal results and maintaining a competitive edge in business growth initiatives. To achieve this, proactive steps must be taken to implement sustainable models that foster both growth and longevity.
• Compliance Management- Ensuring Adherence to Client Guidelines My responsibility lies in ensuring that our team operates in strict accordance with client guidelines and company policies. To achieve this, I conduct real-time call auditing and create test leads to assess current call quality. By meticulously monitoring compliance, we maintain the highest standards of service delivery, thus safeguarding client expectations and fostering long-term partnerships.
• End-to-End Portfolio Management- Overseeing Every Aspect of the Process As the custodian of my portfolio, I hold the responsibility for managing its entirety, from inception to fruition. This entails a comprehensive oversight of all stages within the process lifecycle. From initial strategy formulation and implementation to ongoing monitoring, optimization, and eventual outcomes assessment, every facet falls under my purview.

• Credit Analyst - In this role, I'm tasked with understanding why customers have fallen behind on their payments. It's important for me to communicate the potential consequences of non-payment, such as the impact on their credit profile. Specifically, I explain how having accounts written off can significantly damage their creditworthiness and discuss the potential long-term implications.

Team Leadership: Supporting Consultants to Boost Disbursement While Achieving Individual Targets

In my role, I have the privilege of leading a team of dedicated consultants, guiding and supporting them to increase disbursement figures. While also being tasked with meeting my individual targets, I prioritize providing mentorship and assistance to my assigned consultants.

• Determining Customer Eligibility- (Finding the Right Loan Amount and Bank) In my role, I assess the eligibility of customers based on various factors, including their employment status (salaried, self-employed, or self-employed professional) and income sources. This involves calculating their Fixed Obligation to Income Ratio (FOIR), considering income from additional sources, and evaluating the presence of a working co-applicant.
• Property Approval Guidance: Ensuring Smooth Loan Process for Customers - As part of my role, I provide comprehensive guidance to customers seeking approval for their identified properties. This involves assessing their unique profile and recommending banks that offer smooth loan processes tailored to their specific needs.
• Coordination with Field Executives: Ensuring Timely Document Pickup Nationwide - Following the creation of a lead, my role involves seamless coordination with field executives across various channels throughout India. This coordination is essential to ensure the timely pickup of necessary documents from customers.