Summary
Overview
Work History
Education
Skills
Websites
Certification
Languages
Timeline
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VIJAY DHANDORE

VIJAY DHANDORE

Mumbai

Summary

Dynamic Senior Collection Manager with over 13 years of experience at Collections with specializing in unsecured collections across multiple cities. Known for exceptional negotiation skills and a customer-centric approach, I excel in legal compliance and MIS expertise, achieving a 90% target in below 60 bucket cases including 180+ . Demonstrates strong leadership and integrity in high-stress environments.

Overview

14
14
years of professional experience
1
1
Certification

Work History

SENIOR COLLECTION MANAGER

GROMOR FINANCE PVT LTD
Mumbai
01.2023 - Current
  • Role: Senior Collection Manager, Regional Collection Manager, Area Collection Manager.
  • Having over 13 years of collections experience in banking and NBFC, I managed soft buckets, hard buckets, and all recoveries.
  • A specialist in unsecured collections and has worked in the West region in multiple cities.
  • Having experience in legal matters, following up with panel advocates for sections 138, 420, 24, 406, arbitration, and EP filing.
  • Knows among my peers and senior management for negotiation skills, customer-centric approach, data management, vendor management, team management, innovative approach, and a better attitude.

SENIOR COLLECTION MANAGER

HARWINDER FINANCE PVT LTD (G-MONEY MEDICAL LOAN)
MUMBAI
07.2022 - 11.2022
  • Company Overview: Harwinder Finance Mediclaim Insurance Loan Handling, Pan India.
  • Handling the team in-house and in the field, handling sales as per requirements, visiting clients for payment, visiting hospitals and patients for dispute matters, and overall handling of the MIS Excel report, tracking field visit teams, even personally visiting challenging cases for everyone, taking ownership of the portfolio to achieve targets, giving clients waiver discounts, understanding customer problems, putting out output, recovering payments, and handling all buckets with good legal knowledge.
  • Execute warrants and notices by hand, by court or police, or by mail to delinquent customers.
  • Empaneled advocates and agencies offer letters for confirmation.
  • Monitor daily activities, follow-ups with agencies, and field executives for PTPs.
  • Pushing clients to come to court/police station if not payable
  • Specialty in skip tracing for non-contactable and skip cases, good network with local police, postmen, MSEB, Bharat Gas, bankers' staff, local collections, etc.
  • Knowledge about areas for serviceable and non-serviceable before disbursement.
  • Ticket sizes range from 25k to 5 lacs.
  • (Unsecured medical loans)
  • Products handling - No cost EMI, Advance Against Medi-Claim loans, Equipment loans.
  • Experience in NPAs recoveries, hard collections systems, and MIS legal-sec138/sec25 field collections, tele collections.
  • Expert in resolving write-off cases, providing good waiver discounts, settlement or closure options with installments, and restructuring loans if applicable.
  • Monthly targets: 5 CR portfolio resolving 70 percent monthly (total cases: 900+ cases in all buckets).
  • Monthly Travel to Decatur two or three times per month
  • Good in collections software, mis tracking, and daily monitoring command.
  • Track account payments, transactions, and resolution of issues.
  • Handling collections pan-India in the field, as well as managing agencies' pay-outs and field executives.
  • Pay-outs
  • Good bonding with the Credit Manager, teams, legal and compliance, lawyers, and finance teams for quick payment update resolutions.
  • Reporting to the Managing Director.
  • Harwinder Finance Mediclaim Insurance Loan Handling, Pan India.

COLLECTION MANAGER

EPI MONEY(FLEXI LOANS)
MUMBAI
06.2021 - 06.2022
  • Collection across West (unsecured) personal and business loans (SME for 180+).
  • Monitor the payment of loans, and ensure that overdue collection is being done through.
  • Handling 7+ agencies across the West and 2 in-house teams for visits and calling.
  • Handling the rest of Maharashtra, Kolkata, Madhya Pradesh, Gujarat cases, etc.
  • Handling 61-90+, up to 180-270+, all matured cases, recovery, as well as cash collections.
  • Execute warrants and notices by hand, by court or police, or by mail to delinquent customers.
  • Empaneled advocates, agencies offer letters for confirmations, follow-ups, investors, skip tracing portals, etc.
  • Monitor daily activities, follow-ups with agencies, and field executives for PTPs.

COLLECTION MANAGER

KNAB FINANCE ADVISORS PVT LTD(NBFC)
MUMBAI
10.2020 - 05.2021
  • Worked with KNAB FINANCE, Pvt. Ltd.
  • In Mumbai, Maharashtra, as a Collection Manager.
  • Collection across PAN India unsecured business loans (SME).
  • Good software command, advanced Excel, pivot with daily activities.
  • Sorting allocation to in-house teams, field teams, and agencies at the start of the month with targets.
  • Handling 31-60, 61-90+, and 270+ all matured cases.
  • Execute warrants, notices, and mails to delinquent customers.
  • Managing myself alone with field teams and collection agencies (four agencies).
  • Empanelled agencies offer letters for confirmations, follow-ups, skip tracing, portals, etc.
  • Monitor daily activities, follow-ups with agencies, and field executives for PTPs and field status.
  • Pushing clients to come to court /police station if not payable
  • Specialty in skip tracing for non-contactable and skip cases, good network with local police, postmen, MSEB, Bharat Gas, bankers' staff, local collections, etc.
  • Knowledge about areas for serviceable and non-serviceable before disbursement.
  • Ticket sizes range from 1 lac to 50 lacs.
  • (Unsecured Business/Personal SME Loan)
  • Handling the rest of Maharashtra, Goa, Kolkata, Madhya Pradesh, Gujarat, Delhi, cases, etc.
  • Excellent in resolving below 60 bucket cases, with 90+ targets achieved.
  • Experience in NPAs recoveries, hard collections, systems knowledge, and MIS legal Sec-138 field collections, tele collections.
  • Having a network for all banks, finance agencies, lawyers, local police stations, Bharat & HP Gas, MSEB, local collections guys, and politicians to reach skip customers.
  • Expert in resolving write-off cases, providing good waiver discounts, settlement options with installments, and restructuring of loans.
  • Monthly targets are 1.25 percent for matured cases and a 90+ target for 30+ buckets (total cases are 450+ cases, and the poll size is approximately 7 crore).
  • Monthly travel to Decatur two or three times per month for field visits and warrants.
  • Daily track account transactions and resolution of issues.
  • Handling collections across India in the field, handling agencies' pay-outs, and field executives.
  • Pay-outs
  • Good bonding with the Credit Manager, teams, legal and compliance, lawyers, and finance teams for quick payment update resolutions.
  • Monthly meetings with prospective markets.
  • A good knowledge of bankruptcies and insolvencies is preferred.
  • Track account transactions and the resolution of issues.
  • Provide detailed and accurate reports as needed.

COLLECTION MANAGER

POONAWALA FINANCE
Pune
10.2019 - 09.2020
  • Worked with Poonawalla Finance/Credit Pvt Ltd (Pune) as a Collection Manager.
  • Collection across Maharashtra, Madhya Pradesh, Gujarat, Bangalore, Hyderabad, Tamil Nadu, and Chennai (unsecured) personal loan.
  • Monitor the payment of loans, and ensure that overdue collection is being done through.
  • Handling 60+ to 270+ matured cases.
  • Sending notices, emails to delinquent customers for overdue and upcoming dues.
  • Prepare delinquent account reports for management
  • Managing in-house CRM teams (three members) and collection agencies.
  • Empanelment advocates, agencies offer letters for confirmations, follow-ups, investors, skip tracing portals, etc.
  • Monitor daily activities, follow-ups with agencies, and field executives for PTPs.
  • Specialty in skip tracing for non-contactable cases.
  • Knowledge about areas for serviceable and non-serviceable before disbursement.
  • Ticket sizes range from 1 lac to 15 lacs.
  • (Unsecured business loan)
  • Excellent in resolving below 60 bucket cases (95+) targets achieved.
  • Experience in NPAs recoveries, hard collections systems, and MIS legal-Sec138, field collections, tele collections.
  • Having a network for all banks, finance agencies, lawyers, local police stations, Bharat & HP Gas, MSEB, local collections guys, and politicians to reach skip customers.
  • Expert in resolving write-off cases, providing good waiver discounts, settlement options with installments, and restructuring of loans.
  • Monthly targets: 90+ below 60 buckets, and 5 percent NPA's matured cases (Total cases: 500+ cases, and poll size is approximately 5 crore).
  • Monthly travel to Decatur two or three times per month.
  • Experience with collections software, advanced Excel formulas, pivot tables, VLOOKUP, etc., and good at sending emails, etc.
  • Good working knowledge of process flows and understanding of database systems.
  • Enhanced understanding of bankruptcies and other forms of business failures.
  • Handling collections across India in the field, handling agencies' pay-outs, and field executives.
  • Pay-outs
  • Good bonding with the Credit Manager and teams, legal and compliance, lawyers, finance teams, relationship managers, and operations teams for quick payment update resolutions.

COLLECTION MANAGER

KNAB FINANCE ADVISORS PVT LTD (NBFC)
Mumbai
08.2018 - 10.2019
  • Collaborated with KNAB FINANCE Pvt Ltd.
  • In Mumbai, Maharashtra, as an Assistant Manager.
  • Collection across PAN India unsecured business/personal loans (SME digital loans).
  • Handling more than five agencies for all bucket cases.
  • Handling 180+ and matured cases.
  • Handling all given states: Delhi, Maharashtra, West Bengal, Madhya Pradesh, and Gujarat.
  • Issued warrants and notices to delinquent customers.
  • Managing himself and collection agencies (5+ agencies)
  • Managed distribution of offer letters to empanelled advocates and agencies.
  • Supervised daily activities and follow-ups with agencies and field executives for PTP???s.
  • Pushing clients to come to court /police station if not payable
  • Specialty in skip tracing for skip and non-contactable cases.
  • Knowledge about areas for serviceable and non-serviceable before disbursement.
  • Ticket sizes range from 100,000 to 2,500,000.
  • (unsecured Business SME loan)
  • Excellent in resolving below 90+ bucket cases, with 90+ targets achieved.
  • Experience in NPAs recoveries, hard collections systems, and MIS legal - Sec 138, under arbitration, field collections, and tele collections.
  • Sec-420 for cheating, intentions, NBW warrants, Sec-138.
  • Handling more than eight partners for understanding monthly collections reviews.
  • Having a network for all banks, finance agencies, lawyers, local police stations, Bharat & HP Gas, MSEB, local collections guys, and politicians to reach skip customers.
  • Expert in resolving write-off cases, providing good waiver discounts, settlement options with installments, and restructuring of loans.
  • Monthly targets are 90 percent for below 60 buckets and 1.25 percent for 270+ matured cases NPA's (total cases are 800+ and the poll size is approximately 10 crore).
  • Monthly travel to Decatur two or three times per month for field collection and warrants.
  • Handling collections across India in the field, handling agencies' pay-outs, and field executives.
  • Pay-outs
  • Good bonding with the Credit Manager, teams, legal and compliance, lawyers, and finance teams for quick payment update resolutions.

SENIOR EXECUTIVE COLLECTIONS

HDB FINANCIAL SERVICES
Mumbai
02.2015 - 11.2017
  • Company Overview: Worked with HDFC Bank in Mumbai, Maharashtra, as a collection officer.
  • Collection of unsecured credit card customers in Mumbai.
  • Handling 0 to below 90+ bucket cases recovery.
  • Handling Mumbai, Pune delinquent's customers.
  • Place phone calls to customers to remind them of payments.
  • Monitor daily activities, follow-ups with agencies, and field executives for PTPs.
  • Specialty in skip tracing for non-contactable cases.
  • Good command in software (Finn One, Flexcube, Mint Walk).
  • Ticket sizes range from 50k to 5 lacs.
  • (Credit cards)
  • Excellent in resolving below 30-60+ bucket cases (92+) targets achieved.
  • Monthly targets: 90+ below 60 buckets, and 90+ targets for 0-30 buckets (total cases: 350, and poll size is approximately 2.5 million).
  • Worked with HDFC Bank in Mumbai, Maharashtra, as a collection officer.

EXECUTIVE ASSISTANT

SERCO BPO
Mumbai
04.2012 - 02.2014
  • Company Overview: Worked with Intelnet Global Services in Mumbai, Maharashtra, as an Executive.
  • International call center bank office (insurance MediClaim write-off payment posting).
  • Coram & Apria's US medical claim write-off payment billing process online.
  • Handling online via Outlook Mail, night shift billing, and MediClaim process for US jailers.
  • Non-voice process (night shift).
  • Worked with Intelnet Global Services in Mumbai, Maharashtra, as an Executive.

Customer Support Executive

FIRST SOURCE BPO
MUMBAI
10.2010 - 03.2012
  • Customer Support Executive for Airtel Data, inbound calling, solving queries, providing troubleshooting to start business data, customer online resolutions, and also cross-selling data packages for incentives.

Education

B.Com - Banking and Finance

Ramanad Arya Dav College
Mumbai
01.2010

12th - Commerce

H.K Junior College
Mumbai
01.2007

10th - State Board

H.K Gidwani School
mumbai
01.2005

Skills

  • MIS Expertise
  • Collection Manager
  • Senior Collection Manager
  • Collection Specialist
  • Legal Collection Manager
  • Debt Collection Manager
  • Team leadership experience
  • Risk assessment capabilities
  • Conflict resolution techniques
  • Legal compliance awareness
  • Portfolio monitoring
  • Bucket-wise collection manager
  • Write-off Collection Manager
  • Skip Tracing Specialist
  • Area collection
  • Stress management techniques
  • Client confidentiality
  • Professionalism and integrity

Certification

  • IIBF Certified Mumbai Banking - Debt Recovery Agent
  • Excel Master Certified
  • Excel Master Course Certified Skill Nation

Languages

  • English
  • Marathi
  • Hindi

Timeline

SENIOR COLLECTION MANAGER

GROMOR FINANCE PVT LTD
01.2023 - Current

SENIOR COLLECTION MANAGER

HARWINDER FINANCE PVT LTD (G-MONEY MEDICAL LOAN)
07.2022 - 11.2022

COLLECTION MANAGER

EPI MONEY(FLEXI LOANS)
06.2021 - 06.2022

COLLECTION MANAGER

KNAB FINANCE ADVISORS PVT LTD(NBFC)
10.2020 - 05.2021

COLLECTION MANAGER

POONAWALA FINANCE
10.2019 - 09.2020

COLLECTION MANAGER

KNAB FINANCE ADVISORS PVT LTD (NBFC)
08.2018 - 10.2019

SENIOR EXECUTIVE COLLECTIONS

HDB FINANCIAL SERVICES
02.2015 - 11.2017

EXECUTIVE ASSISTANT

SERCO BPO
04.2012 - 02.2014

Customer Support Executive

FIRST SOURCE BPO
10.2010 - 03.2012

B.Com - Banking and Finance

Ramanad Arya Dav College

12th - Commerce

H.K Junior College

10th - State Board

H.K Gidwani School

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