TEJAS J. TAMBEKAR

• Product: Education Loan
• Handling the Education Loan product across India, managing more than 350 institutes, schools, and universities.
• Managing a large student database with smooth coordination, tracking, and portfolio monitoring.
• Leading a pan-India collection team of assistants and deputy managers, ensuring timely follow-ups, and recovery.
• Managing multiple collection agencies for field visits, recovery support, and daily follow-up activities.
• Overseeing a ₹5–₹6 crore portfolio, with strong performance monitoring and strict process control.
• Handling 800–850 monthly collection cases, and ensuring timely resolution and closure.
• Managing legal processes related to recovery, including notices, escalations, and documentation, as per compliance.
• Taking data-driven decisions by analyzing customer records, region-wise activities, and allocating daily/weekly targets.
• Preparing detailed MIS reports to track collection performance and support strategy planning.
• Maintaining strong customer relationship management, resolving issues within timelines, and improving satisfaction.
• Conducting audits, resolving non-contactable cases, and ensuring 100% compliance with company policies.
• Visiting or coordinating critical cases to ensure timely recovery, demonstrating strong field knowledge, and problem-solving expertise.

• Product: Personal Loan
• Managed 14 branches and supervised a team of 25 collection associates, overseeing end-to-end personal loan collections with a portfolio size of ₹12 Cr.
• Handled Central and Herbal region portfolios, including current bucket and Bucket 1 delinquency cases, ensuring strong follow-up and recovery performance.
• Coordinated with specialized HDB branches, monitored customer databases, and allocated day-wise targets to collection associates for optimum productivity.
• Collected feedback from associates, analyzed daily and weekly performance trends, and published MIS reports for management review.
• Conducted field visits for critical and problematic cases, ensuring faster resolution and improved collection efficiency.
• Resolved customer issues, escalations, and repayment disputes within defined TAT, maintaining high customer service standards.
• Built and restored trust with overdue customers by ensuring transparent communication, correct action plans, and proper documentation.
• Maintained case files, updated portfolio review records, and prepared detailed MIS reports for portfolio health assessment, and decision-making.
• Coordinated branch visits for audit requirements, and arranged field follow-ups for non-contactable customers through branch teams and agencies.
• Ensured compliance in all collection processes, documentation, and customer interactions, maintaining audit readiness at all times.

• Product: Consumer Durable
• Managed a suspended/delinquent consumer durable loan portfolio of 800+ cases, with an outstanding value of ₹3–4 Cr, ensuring focused follow-ups and recovery actions.
• Led a team of 9–10 telecallers, assigning daily targets, reviewing performance, and guiding them on collection strategies.
• Coordinated with external collection agencies to ensure timely collection of settlement amounts within valid settlement periods.
• Negotiated re-settlement and revised payment plans with customers, and issued updated settlement letters as per bank policies.
• Handled high-level settlement escalations, responded to escalation teams within TAT, and ensured customer grievances were resolved smoothly.
• Conducted field visits for skip tracing and non-contactable customers, improving right-party contact, and recovery efficiency.
• Collected both current EMIs and total outstanding dues for the consumer durable loan portfolio through structured follow-ups.
• Coordinated with specialized agencies and managed customer databases for the Mumbai region, ensuring proper allocation and tracking.
• Rebuilt customer/vendor relationships by providing clear communication, corrective actions, and professional support to regain trust.
• Worked closely with Relationship Managers to initiate and accelerate recovery actions for overdue accounts.
• Send timely reminder emails to shop owners and RMs regarding delayed or non-payments, strengthening control on merchant-based cases.

Product: Credit Card.

• Managed credit card collections with a ₹15–16 Cr portfolio size and 1,400+ delinquent accounts across Mumbai.
• Handled Bucket 2 and Bucket 3 (60–90 DPD) portfolio, and implemented recovery strategies to reduce roll-forwards.
• Supervised multiple collection agencies, allocated day-wise targets, reviewed performance, and ensured compliance.
• Managed restructuring tasks: lien marking, lien debit, lien removal, and customer-level portfolio corrections.
• Negotiated settlements, and ensured proper documentation and compliance approvals.
• Published daily feedback reports, agency performance MIS, and delinquency dashboards.
• Conducted field visits for high-risk cases and resolved escalations within TAT.
• Issued conciliation notices, conducted conciliation camps, and coordinated with legal teams on pre-legal matters.
• Verified monthly agency bills and addressed audit queries, ensuring transparency and accuracy.