Swapnil Dnyandev Chaudhari

• Monitor Current, X-Bucket, NPA, and PNPA portfolios through regular performance reviews and corrective actions.
• Conduct high-value customer visits, negotiations, settlements, and recovery follow-ups.
• Review daily MIS, DPD reports, CE dashboards, roll-forward trends, and recovery performance.
• Manage end-to-end collection operations across Retail, MSME, Commercial Vehicle, Home Loan, LAP, and Business Loan portfolios.
• Lead Collection Officers, Recovery Executives, and Collection Agencies to achieve monthly recovery and resolution targets.
• Develop and implement area-wise collection strategies to improve collection efficiency and reduce delinquency.
• Handle repossession, vehicle auctions, and post-repossession recovery activities.
• Coordinate with Legal, Operations, Credit, and Business teams for SARFAESI, arbitration, and other recovery.
• Train, coach, and mentor field teams to improve productivity, compliance, and collection quality.

• Handled MSME unsecured loan collections across Current, 1–30, 31–60, 61–90, and NPA buckets.
• Implemented soft and hard collection strategies while ensuring adherence to company policies.

• Negotiated settlements and repayment plans after assessing customer

cash flow and repayment capacity.

• Conducted field visits, customer meetings, and repayment follow-ups to

improve resolution rates.

• Managed agency and vendor performance while monitoring field

executive productivity.

• Prepared accurate MIS reports, collection trackers, and daily productivity

reports.

• Managed productivity of CASA channel teams by tracking daily, weekly, and monthly performance against assigned targets.
• Designed, tracked, and analysed incentive programs to improve employee motivation and business performance.
• Prepared productivity and incentive MIS reports and dashboards for management review.
• Coordinated with Sales, HR, Finance, and Operations for accurate incentive calculations and timely payouts.
• Analysed productivity trends, attrition, and business gaps, and recommended improvement actions.

• Managed 0-NPA collection portfolio across Mumbai and Pune for HL, LAP, CV, and Business Loan products.
• Supervised an on-roll team of 10 field officers handling collections across assigned territories.
• Covered Pune and Kolhapur locations while tracking territory-wise repayment patterns for action planning.
• Coordinated legal recovery actions with legal teams across SARFAESI, arbitration, and related proceedings.
• Monitored weekly, monthly, and quarterly executive performance and identified training needs to improve collection effectiveness.

• Prepared HR monthly dashboards, daily MIS reports, and performance management reports.
• Maintained employee master database, headcount, promotions, graduations, and attrition data.
• Supported offer letter preparation, salary breakup sheets, training administration, and online test coordination.
• Generated employee codes using HR tools and maintained recruitment data for analysis.

• Coordinated with business units and sales agents to ensure timely MIS flow and reporting.
• Prepared and maintained daily, weekly, and monthly MIS reports and performance metrics.
• Provided ad hoc reports, quality analysis, and data insights to support business decision-making.
• Used Excel tools including VLOOKUP, HLOOKUP, Pivot Charts, and Graphs for reporting and analysis.

• Handled Corporate Agents and Brokers – B&A Channel MIS.
• Broadcasted KPI summaries including WRP, APE, Average Premium, and Product Mix.
• Created business reports using Business Objects BI Tool to show channel-wise performance and contribution.
• Supported new report generation, report revamping, and management reporting requirements.