Sujeetkumar Ramsingh Yadav
Mumbai
Summary
Personable and dedicated customer service representative with extensive experience in industry. Solid team player with upbeat, positive attitude and proven skill in establishing rapport with clients. Motivated to maintain customer satisfaction and contribute to company success. Articulate, enthusiastic and results-oriented with demonstrated passion for building relationships, cultivating partnerships and growing businesses.
Overview
9
9
years of professional experience
4026
4026
years of post-secondary education
1
1
Certification
Work History
Deputy Manager
IDFC FIRST BANK
Mumbai
02.2023 - Current
- Managing BKT X & 1 for business loan vertical collections.
- Monthly allocation to inhouse collection team and drive them accordingly with DRR.
- Provide daily feedback and paid file to reporting authority.
- Co-ordination with East-West Zone for preparation of daily MIS & month end projections.
- Provide payment status to inhouse team on immediate basis.
- Managing the portfolio by strategizing and driving collections.
- Driving the compliance to collection process & set weekly milestone.
- Sending Quick Pay & Bill Desk Link to each delinquent customer on daily basis.
- Provides the additional contact hunt data for tracing a non-contactable customer.
- Lien initiates on IDFC Bank accounts and ensure timely set-off.
- Initiate approvals for lien marking on applicants and co-applicants accounts.
- Initiate mail on FD accounts and co-ordinate with branch and ensure collections.
- Daily basis trails management and ensure the effective intensity.
- Field visits on required problematic accounts and not contactable accounts to find some new clues.
- Monthly audit activities related to inhouse management and internal audit.
- Monitoring of field visit and calling attempt of overall team.
- Meeting of all the inhouse team members for review and plan of action for month end target achievement
- RNR happening every start of the month, appreciate and recognize for best performers from team.
- Maintain good and healthy environment among team.
- Managing all queries like Nodal escalations related issues, System, and application related issues.
- Joint visit with sales and credit team on early delinquent accounts for immediate resolution.
Deputy Manager
Kotak Mahindra Bank Limited
Mumbai
10.2020 - 02.2023
- Handling Consumer Durable collections of location Mumbai.
- Handling BKT 1 & 5 customers data base, Daily monitoring, and regular reviews
- to make area wise strategy for smooth operations and better results.
- Responsible for controlling the Rollback targets and recovery of overdue from bucket wise delinquencies.
- Identify, develop, and continuously improve collections process to ensure overall efficiency.
- Accountable for designing and implementing Compliance & Controls for collections unit in line with regulatory guidelines.
- Co-ordinate with sales team &Dealer point for nonstarter & recent funded account
- Coordinated team meetings to enhance communication and collaboration.
- Monitored compliance with banking regulations and internal policies.
- Trained staff on banking products and services to improve customer knowledge.
- Conducted performance reviews to provide feedback and support staff growth.
- Collaborated with cross-functional teams to streamline processes and workflows.
- Resolved customer inquiries and complaints effectively to maintain satisfaction.
- Coordinated with other departments to ensure smooth functioning of activities.
- Maintained records of all operational activities for future reference.
- Monitored daily operations and ensured compliance with company policies and regulations.
- Prepared monthly progress reports detailing achievements against set targets.
- Worked closely with customers to understand needs and resolve diverse issues.
Agency Manager
Fullerton India Credit Company LTD
Mumbai
09.2019 - 10.2020
- Managed recruitment and training of new agents for effective performance.
- Facilitated regular meetings to communicate goals and share best practices among staff.
- Managed staff of 15 employees by providing direct and indirect communication.
- Resolved customer inquiries, complaints, and disputes in a professional manner.
- Planning and implementing strategies to ensure smooth Collections.
- Monitored and controlled the flow 1000 cases in FE FR and BKT 1 FR 800 Cases for Tele calling Unit located in Mumbai, Later, monitoring and controlling the flows of 400 cases in Bucket 4(GCL)
- Responsible for allocation of cases to Vendors and responsible for the targets
- Documenting and analysis of MIS and reconciliation.
- Responsible for all audit related query and keeping track of audit procedures.
- Tele calling units and Courier unit.
- Maintaining proper Coordination with all team members to ensure smooth flow of work.
- Managing and motivating a team of 20 FOS, 7 Tele callers.
- DRR Maintaining for daily basis.
- Monthly achieve the Target for Collection Process and to maintain the flow roll back, Normalization, and Stab resolution and control the roll forward. flow. Even monitoring Penal collection, settlements and foreclosure and escalation matrix.
Senior Collection Officer
IDFC FIRST BANK LIMITED
Mumbai
11.2018 - 08.2019
- Managed collections process for overdue accounts to ensure timely payments.
- Communicated with customers regarding payment plans and outstanding balances.
- Analyzed account data to identify collection trends and improve strategies.
- Develop and administer collection programs for effective collections.
- Establish and maintain relationship with business loan customers or provide assistance with their issues regarding the payment of due.
- Supervise colleagues to ensure all money owed to the customer received correctly and in a timely fashion.
- Responsible for interviewing and hiring staff members, providing DRA training, and performing any disciplinary actions. Research, develop and implement collection procedures that reduce the amount of delinquency.
- Regularly reporting the DRR, resolutions and millstone.
- Maintain & distribution of allocation into the in-house team & vendors.
- Daily fallow-ups with vendor and team and completion the tagging process of credited amount in the EN-Collect system.
- Maintained accurate records of customer interactions and payment agreements.
- Collaborated with legal teams on escalated accounts for recovery actions.
- Conducted regular follow-ups with customers to encourage timely payments.
Senior Collections Officer Call Center
L & T Financial Services
Mumbai
08.2016 - 11.2018
- Managed collections activities for overdue accounts to ensure timely payments.
- Developed and implemented collection strategies to reduce outstanding balances.
- Communicated with clients to negotiate payment plans and resolve disputes.
- Trained junior staff on best practices in collections and customer interactions.
- Analyzed collection reports to identify trends and adjust strategies accordingly.
- Maintained accurate records of all communications and transactions in the system.
- Performed outbound calls to collect past due balances from customers.
- Provided guidance and support to junior collections staff members.
- Resolved escalated issues that could not be handled by junior staff members.
- Handling Bkt-X Cases – 30 DPD Two Wheelers, Four wheelers & Personal Loan.
- Preparing Daily Report of Each Field Executives,Analyzing & Evaluating the same.
- Solving problem related to Collections & Requirement on the Field.
- Identify A/C where Legal action is to be taken and Co-ordinating for Same (Sec.138 Filing).
- Responsibilities include improving collections by helping and motivating collection agency representatives with new ideas and
- Conducted skip tracing to locate and contact debtors who had moved or changed phone numbers without notifying the company.
- Tracked customer payment histories and updated relevant information into the system accordingly.
- Identified potential fraud cases involving delinquent accounts and reported them accordingly.
- Received payments and posted amounts to customer accounts.
Education
Bachelor of Accountancy - Accounting And Finance
Mumbai University
Mumbai 06.2012 - 03.2015
Saraswati Vidyalaya & Jr. College
Airoli, Navi Mumbai Arya Gurukul Vidyalaya & Jr. College
Airoli, Navi Mumbai Skills
- Compliance management
- Collections strategy
- Portfolio management
- Data analysis
- Customer relationship management
- Performance monitoring
- Risk assessment
- Team leadership
- Effective communication
- Problem solving
- Training development
- Goal setting
Languages
English
First Language
Hindi
Proficient (C2)
C2
Marathi
Proficient (C2)
C2
Certification
- NSS
- Level Up training powerd by UPGRAD
Timeline
Deputy Manager
IDFC FIRST BANK
02.2023 - Current
Deputy Manager
Kotak Mahindra Bank Limited
10.2020 - 02.2023
Agency Manager
Fullerton India Credit Company LTD
09.2019 - 10.2020
Senior Collection Officer
IDFC FIRST BANK LIMITED
11.2018 - 08.2019
Senior Collections Officer Call Center
L & T Financial Services
08.2016 - 11.2018
Bachelor of Accountancy - Accounting And Finance
Mumbai University
06.2012 - 03.2015
Saraswati Vidyalaya & Jr. College
Arya Gurukul Vidyalaya & Jr. College