Vasant Gawade

· Monitoring and Controlling Credit losses for Credit Cards recoveries Mumbai.

· Implementing result-oriented cash collection plans to achieve pre-set recovery targets

· Set up non-traditional channels to deliver on targets with optimum cost of collection

· Identifying & developing reliable Service Providers for execution of Collection Operations involving tapping defaulters, following up for payments etc.

· Portfolio segmentation and corrective actioning

· Training and mentoring the team to achieve the desired targets and ensure optimum performance.

· Was responsible for controlling Recovery for 900+ DPD, Mumbai. Handled portfolio of almost Rs 14 crores.

· Was accountable to reduce the delinquency of assigned portfolio.

· Timely initiation of legal proceedings posts the customer reaching at the desired delinquency level.

· Actively involved in planning agency functioning and executing the task at hand.

· Developed methods with associates that eventually lead to associates reaching at earning incentives on consecutive months.

· Actively involved in setting up new agencies for handling additional portfolio.

· Adherence to Code of Conduct, Audit ratings and exception to be highlighted

· Operational knowledge of systems like CTL-Prime, I-Sense, TIPS, FCRM, Finnone, Omni Docs etc

· Training the collectors, supervisors, team leaders on the collection processes and policy to be adhered

· Working on NC and Skip cases at a personal level. Tracking the traced file along with I-Bank employees.

· Analyze the data and refer the NC and skip cases to RCU for further action.

· Co-ordinate with the cards retrieval team to get the application form and other proofs to verify the addresses in cases where customer is not contactable.

· Handle queries of genuine customers with service issues and help them redress their grievances.

Ø Responsibilities :

· Checking daily Cash Transaction of all 60 branches of WEST Zone.

· Checking Cash Closing – Opening balance match with Trial Balance or Not, Cash deposition short or excess, Intercompany SAIL & SEFC Trial Balance code match with own company STFC code or not.

· Documents Verification, Risk Analyst.

· File Disbursement, file login id creation , Process As Per Company Policy.

· Cash / Cheque Collection from customer, Bank Reconciliation Entries.

· Customer quires solved as per company rules, customer service related to loan settlement.

· Prepare Statement of Account Related NPA Cases.

· Customer quires solved as per company rules, customer service related to loan settlement.

· Reconciliation of Manual & System Books of Accounts & Agreements for respective branches.

· Co-Ordinate with all Regional Heads Regarding Reports as well as cases taking approval for settlement of each case from National Head.

· Co-ordinate for settlement of case and solved query of each Regional Head.

· Working routine work like Voucher Entries, Claiming expenses.

Ø Preparing Statement & MIS :

· Preparing Statement of Account for NPA Cases.

· Generating Monthly Report and Sent to Zonal Head.

· Prepare Cash Deposition.

· Preparing Cash Transaction MIS daily basis by using UNO system & Excel and give confirmation mail to management about smooth process of previous day Cash Transaction.

Ø System knowledge:

· UNO System.

Knowledge of working in Ms-Excel, Word & PowerPoint.

Ø Responsibilities

· Handling team of 15 members, Month End & time of work pressure.

· Contract applied for termination & terminates with help of SAP R3P module & Dispatched NOC (Form 35) to Branches. Authorized Signatory of Company.

· Providing Training related to work process to new joining & Team members.

· Handling customer Queries, Complaint related to loan, co – ordinate with customer care team & branches by using Sage CRM, CMS & Mail from Branches.

· Preparing daily Report of branch apply contracts & allocated between team for termination.

· Check on contracts using all personal as well as financial details for the customer further, check on customer payment status, Installment, cheque clearance, bouncing & all other charges using SAP systems.

· Co – ordinate with internal dept (Banking, insurance, Disbursal, Customer care & IT team, legal, collection, branches) if any issue occurred at time of termination.

· Follow up with IT in case of any system issues occurred at time of Apply, termination & at time of Print NOC.

· Daily process Refund through SAP (F-32), Customer G/L Reconciliation.

· Helping to audit of termination process.

· Closure of loans (PMT & NT loans closures via DD, Cash, MO,RTGS &ECS etc) including waivers as per process. Repo Release confirmation to auctioned vehicles.

Job Profile Credit Operation :

Ø Responsibilities

· Taking care of CPC Floor Process from Login to Approval stage, Co-coordinating with credit managers, Conducting Policy training of Team members.

Ø Login Stage :

· Check the files KYC, deal IRR, Prize list, Customer letter, BDM letter, and Banking & income documents at login stage as per Products & Policy. If any hold quires then mark to same one to related BDM, AM & BM on mail.

· Update the Login Ok files in the Login tracker. Generate the System No. in CPA System with Basic Data Entry.

· As per Authorizes Sides of CIBIL & Internal Dedupe, run the CIBIL & Dedupe for customer & update the same in Billing Tracker System. Check the CIBIL & internal Dedupe as per given information.

Ø CAM Stage :

· At the time of CAM (Credit Approval Memo), valid the 6 months banking, related track in the system & generate the Excel FAT.

· Doing TVR with Customer & taking the information related with deal.

· Check the Track record, Existing Exposure from SAP of Existing Customer.

· At the time of pitch the cam to Credit, update the all information in mail related with deal.(Example- Track record, Deal background, CIBIL, Dedupe, Contract Details, Field investigation Report, Total exposure details, Vehicle Details, Financials Details.)

· Check the RSPM (Risk Scoring Pricing Module) & incomplete the details in the RSPM forward to related sales for updating on mail.

· Give approval for RAAC Cases of RSPM - If CIBIL, Dedupe, and FI & RSPM ok then approved the file as per Product & Policy comfort.

· Maintain the TAT of Cases from login end to Approval Stage.

As per the New Product & Policy give proper training to team member & solve their quires related with Policy.

Ø Preparing Statement & MIS :

· Preparing Web report for zone, mainly handling zone.

· MIS report of pending / Query contracts sending to branches State Ops Heads.

· Sending weekly report to management.

· Preparing Daily & Monthly MIS Report of contract applied, terminated & any Query related to non terminated contract.

Ø System knowledge:

· SAP – in R3P Module.

· Sage CRM, CMS (Complaint Module System) & Outlook.

· Web system used for co-ordinate with dealer & branch for applied contract.

· Knowledge of working in Ms-Excel, Word & PowerPoint.

· CPA System: - This package used form Login to Before Disbursement Stages.

· Currently working on TATA Motors Finance’s LOS software.

· SAP: - same package used only for Disbursement stage.

Ø Responsibilities

· Checking Branch Input Accuracy zone wise of all branches situated in India.

· Scrutinizing the Insurance policy document under CS & Underwriting guidelines.

· Validation, Quality check, Audit & Revalidation of data for maintained quality of received document.

· Allocation & assigning of work between team members.

Ø MIS reporting:

· Making Aura rules , Sorted policy data in three heading ( Aura, N/M ,M)

· Zone wise- Monthly branch input accuracy scorecard.

·

Ø Preparing statement:

· Prepare document for aura process, Aura rules.

· Prepare statement about types of error, reasons of failure & failed due to.

Ø System Knowledge:

· Knowledge of working in Ms-Excel, Word & PowerPoint.

· Ingenium, Dotspher & Indexing tool software.

· Internet savvy & MS operating system.

The above given information is true to the best of my knowledge.