Srishti Sharma
Ranchi
Summary
Transitioning into a Regional Leadership role focused on leveraging field intelligence and risk insights to enhance collection ecosystems. Experienced Area Collection Manager with a strong background in MSME collection strategy and delinquency management. Demonstrated success in leading teams, ensuring compliance, and optimizing recovery processes through data-driven decision-making. Results-driven professional with a track record in team leadership and operational excellence. Delivers targeted recovery strategies and process improvements through effective negotiation and problem-solving skills. Committed to fostering high-performing teams and driving compliance across diverse collection activities.
Overview
7
7
years of professional experience
Work History
Area Collection Manager
L&T Finance Ltd.
Ranchi
02.2024 - Current
- Lead MSME collections across Jharkhand with structured resolution frameworks.
- Implement bucket-wise risk segmentation and targeted follow-up strategies.
- Monitor legal, agency, and field operations to ensure compliance and efficiency.
- Analyze delinquency patterns using dashboards to optimize collection velocity.
- Handle escalations, settlements, and critical account negotiations.
- Products taken care of - SME Loans and Consumer Loans/Personal Loans
- Collaborated with team members to achieve target results.
- Managed complaints with calm, clear communication and problem-solving.
Collections Manager
Tata Capital
08.2022 - 02.2024
- Improved portfolio hygiene and NPA control through data-backed action planning.
- Executed on-field recovery activities, dispute closures, and restructuring support.
- Implemented early-bucket intervention strategies to reduce slippages.
- Recognized multiple times for exceeding collection benchmarks.
- Products taken care of - HL/LAP
- Managed collection processes for overdue accounts, improving cash flow and reducing aged debt.
- Managed collection operations, overseeing a team of 10 to optimise debt recovery processes and achieve targets.
- Ensured efficient collections and recoveries through the development of procedures inline with risk policies, driving continuous process improvements.
- Coordinated with external debt collection agencies as needed, overseeing their activities to ensure alignment with company policies.
Collections Manager
IDFC First Bank
04.2019 - 08.2022
- Managed MSME and retail loan recovery across multiple districts.
- Reduced delinquency through systematic field planning and team supervision.
- Maintained audit-ready documentation and ensured adherence to RBI norms.
- Recipient of multiple Gold & Silver awards for high recovery performance.
- Products taken care of - Two-wheeler, Used Cars, Micro-Business Loans, Business Investment Loans
- Collaborated with sales and customer service teams to resolve issues impacting account settlements.
- Negotiated re-payment plans by investigating cause of delinquent payments to help recover debt and meet deadlines.
Education
MBA - Finance
ICFAI University
Mumbai01.2019
BBA - Finance
Ranchi University
01.2017
Higher Secondary -
Oxford School
Ranchi01.2014
Senior Secondary -
Bishop Westcott Girls School
01.2012
Skills
- MSME Loan Collections
- Delinquency Reduction
- Risk Evaluation
- Strategic Recovery Planning
- Negotiation & Settlements
- Regulatory Compliance
- Team Leadership
- Vendor & Agency Management
- Field Operations Management
- Portfolio Analytics & Reporting
- Risk segmentation
- Compliance monitoring
- Data analysis
- Team leadership
- Portfolio management
- Negotiation strategies
- Process improvement
- Escalation management
- Performance benchmarking
- Problem solving
- Legal compliance
- Customer relationship management
- Strategic planning
- Problem-solving
- Communication skills
- Analytical and critical thinking
Websites, Portfolios and Profiles
linkedin.com/in/srishti-sharma
Awards
- Promising Star - Tata Capital
- Super Star - Tata Capital
- Gold Award - IDFC First Bank
- Silver Award - IDFC First Bank
Languages
English
Proficient
C2
Timeline
Area Collection Manager
L&T Finance Ltd.
02.2024 - Current
Collections Manager
Tata Capital
08.2022 - 02.2024
Collections Manager
IDFC First Bank
04.2019 - 08.2022
MBA - Finance
ICFAI University
BBA - Finance
Ranchi University
Higher Secondary -
Oxford School
Senior Secondary -
Bishop Westcott Girls School