Sumit Balkrishna Dhiwar
Collection Manager
Pune,Maharashtra
Summary
“Results-driven professional with experience in debt management services at Bajaj Finance Limited. Currently handling digital portfolio with strong knowledge of POS resolutions, settlements, and rollbacks. Skilled in collections, customer handling, and resolving overdue accounts while maintaining positive customer relationships. Proven ability to achieve recovery targets, ensure compliance, and perform effectively in high-pressure environments.”To obtain a position where I can utilize my skills and abilities as well as share and enhance my knowledge. I would like to work in a creative and competi
Overview
12
12
years of professional experience
Work History
Collection Manager
Bajaj Finance Ltd
Pune
12.2021 - 04.2026
- Managing 0-Bucket Collections with 1 Thousand Customer.
- Accountable for achievement of Collection target - 0 Bucket (97% Collection & 12% Penalty) (Field/Tele calling)
- Maintaining the Daily FOS Tracking.
- Setting SMA & Agency wise Collection & Penalty Target.
- Creating Policies & strategies for quality Collection & Penalty.
- Promoting ethical collection practice and ensuring adherence to Collection Policies.
- Review and performance to all SMA and Agency through Weekly & Monthly basis & appreciation their contribution in his assignment.
- Cross functional coordination for smooth and risk-free collection process.
- To Achieve Collection Target as per set by HO.
- Implementing Non-Contact & Pick FOS Productivity Tracker as per New Collection Process, Monitoring overall functioning of process.
- Skill Drilling and Personal empowerment through extensive training modules.
- Motivating and managing team with periodic R&R.
- Appointing New SMA & Agency with Company Policy.
- Releasing the SMA & Agency payout on time.
Collection Officer
Shree Enterprises
Pune
03.2019 - 04.2026
- Making approximately 35 -40 calls daily (outbound and inbound) and 15 - 20 Visit to borrowers collecting on their delinquent auto accounts.
- Perform all activities related to collecting amounts due on auto loans.
- Negotiating with customers to make payments on the account to cure the delinquency status of the account.
- Perform extensive skip tracing on accounts requiring new contact information.
- Minimum of 2.5 years related work experience in auto finance and collections environment.
- Collection Agency
Online Business Analyst
ATIDIV INDIA PVT LTD
Pune
03.2020 - 10.2021
- Handling Change sets Like Name Change Request, Address Change, Offering Change For Business.
- Verifying Requested Change set For Businesses and Update the same On business Listing As per process Step and Logical Call.
- Providing Precise and Most Relevant Information To End Customer.
- Maintaining Good Relation With The Client Providing Most Accurate Data By doing End Number of Searches.
- Also I have Worked As a TL Backup. experience of Handling team of 20 members.
- Assisting team member with their Query In Absence of TL or in regular working.
- Data science Company
Sampler
JB INVESTMENT & FINANCIAL SERVICES
Pune
05.2018 - 03.2019
- Verifying Credit Card Applications Of HDFC Bank.
- Trigger base sampling.
- KYC Verification.
- Financial Verification.
- Analyzing doubt full application.
- Reducing Credit Risk.
- Sampling Doubt full application.
- Identifying Fraud application.
Credit Analyst Officer
CA RAM BONDE & COMPANY
Pune
06.2016 - 04.2018
- Worked as a Credit Analyst Officer for All Product Loan for HDFC, AXIS, ICICI, Bank and NBFC segment for of customers.
- Fix up appointment for PD.
- Personal Discussion with respective clients.
- Visit to work place or business place.
- Cross checks all the documents given by customers to bank.
- Verify the documents with customers, income proof, ITR, Personal Documents, pan card, Aadhar card, bills, all are true or not.
- Recognized customers are honest or not.
- Making customers more comfortable while talking so we can get more perfect details and it will help to judge the customers capacity.
- Have to understand the liquid income, investment, policy’s etc.
- Completed detailed finance analysis of individuals and companies.
- Evaluated applicant’s financial status credit and property evaluation to determine loan feasibility.
Junior Executive
BRINKS INDIA PVT LTD
Aundh
05.2014 - 05.2016
- Confirming daily schedule given by bank for replenishment of ATM’s.
- Conducting cash from vault as per schedule and refilling ATM’s.
- Back office work, tally with balance cash, cash management, cash flow daily basis.
- FLM and SLM Service for ATM Machines Respectively.
Education
B.Com - undefined
Pune
Pune01-2017
HSC - undefined
Pune
Pune01-2012
SSC - undefined
Pune
Pune01-2010
Skills
- Capability to work in fast-pace environment
- Ability to collaborate with Team members or work independently
- Networking
- Team handling
- Creative inputs
- Precise briefing skills
- Negotiation skills
- Multitasking
- Optimum utilization of technology
- Attention to details
- Constructive insights
- Effective documentation
- Analytical observations
- Keen observer
Financial statement interpretation
Revenue generation
Client communication
Communication excellence
Empathy in collections
High level of patience
MS Office Skills
Employee management
Budgeting and forecasting
Procure improving
Policy and procedure adherence
Compliance understanding
Budget management
Skip tracing techniques
Legal proceedings awareness
Decision-Making proficiency
Client acquisition
Financial literacy
Customer Service
Fraud procedures
Conflict Resolution
Good telephone manner
Data interpretation
Debt management
Ethical conduct
Staff training
Leadership aptitude
Disclaimer
- Date of birth: 01/02/95
- Gender: Male
- Nationality: Indian
- Marital status: Unmarried
Disclaimer
I hereby declare that the above mentioned information is correct up to my knowledge and I bear the responsibility for the correctness of the above mentioned particulars.
Timeline
Collection Manager
Bajaj Finance Ltd
12.2021 - 04.2026
Online Business Analyst
ATIDIV INDIA PVT LTD
03.2020 - 10.2021
Collection Officer
Shree Enterprises
03.2019 - 04.2026
Sampler
JB INVESTMENT & FINANCIAL SERVICES
05.2018 - 03.2019
Credit Analyst Officer
CA RAM BONDE & COMPANY
06.2016 - 04.2018
Junior Executive
BRINKS INDIA PVT LTD
05.2014 - 05.2016
B.Com - undefined
Pune
HSC - undefined
Pune
SSC - undefined
Pune