Vikram Kumar Wolla
Summary
Zonal Collections Manager with a strong record at Poweredge Analytics, achieving over 98% collection efficiency. Specializes in collections and recovery strategies, with expertise in dispute resolution and team leadership. Proven ability to drive cost reductions and enhance performance through strategic process improvements. Focused on delivering measurable results and cultivating high-performance cultures.
Overview
27
27
years of professional experience
Work History
Zonal Collections Manager
Poweredge Analytics & Services Private Limited
01.2025 - Current
- Company Overview: (Subsidiary of UNI Cards: Uniorbit Technologies Private Limited)
- Achieved 98%+ collection efficiency consistently for the Pan-India BKT X portfolio, exceeding recovery benchmarks while maintaining cost of collections within budgeted thresholds.
- Reduced cost of collections by 12% YoY through process reengineering, optimized resource allocation, and strategic agency performance reviews.
- Optimized cost of collections by 15% through strategic vendor negotiations, field force productivity enhancement, and data-driven resource deployment.
- Enhanced soft bucket recovery rate by 18%, leveraging proactive follow-ups, improved team responsiveness, and robust customer communication protocols.
- Strengthened legal compliance by ensuring 100% adherence to RBI and internal legal guidelines across all collection processes, minimizing regulatory exposure and audit flags.
- Resolved over 95% of customer escalations within 72 hours, significantly improving customer satisfaction and reducing repeat complaints by 30%.
- Developed a dynamic 'feet-on-street' model across geographies and delinquency segments, resulting in a 15% uplift in daily productivity per field executive.
- Built and led a high-performance team of 50+ collections staff, driving monthly performance evaluations, continuous training, and individual goal alignment to enhance efficiency.
- Implemented geo-segmented manpower allocation, ensuring ‘feet-on-street’ availability across 100% of targeted zones, improving reach and reducing bounce rates in early buckets.
- Streamlined audit readiness by institutionalizing feedback loops and corrective action plans, resulting in zero major non-compliance observations in internal and external audits.
- Influenced credit policy revisions by delivering structured market intelligence and bucket-specific recovery insights, contributing to risk-adjusted credit decision-making.
- Improved soft bucket recovery by 20%, introducing tracker-based daily case reviews, automated follow-ups, and reinforcement training for field teams.
- Drove daily productivity reviews and coaching sessions with Area Managers and RCMs, ensuring real-time performance correction and sustained output improvements.
- Key Achievements Across Tenure:
Zonal Collections Manager
UNI Cards (Uniorbit Technologies Pvt. Ltd.)
05.2024 - 12.2024
- Company Overview: (Subsidiary of UNI Cards: Uniorbit Technologies Private Limited)
- Achieved 98%+ collection efficiency consistently for the Pan-India BKT X portfolio, exceeding recovery benchmarks while maintaining cost of collections within budgeted thresholds.
- Reduced cost of collections by 12% YoY through process reengineering, optimized resource allocation, and strategic agency performance reviews.
- Optimized cost of collections by 15% through strategic vendor negotiations, field force productivity enhancement, and data-driven resource deployment.
- Enhanced soft bucket recovery rate by 18%, leveraging proactive follow-ups, improved team responsiveness, and robust customer communication protocols.
- Strengthened legal compliance by ensuring 100% adherence to RBI and internal legal guidelines across all collection processes, minimizing regulatory exposure and audit flags.
- Resolved over 95% of customer escalations within 72 hours, significantly improving customer satisfaction and reducing repeat complaints by 30%.
- Developed a dynamic 'feet-on-street' model across geographies and delinquency segments, resulting in a 15% uplift in daily productivity per field executive.
- Built and led a high-performance team of 50+ collections staff, driving monthly performance evaluations, continuous training, and individual goal alignment to enhance efficiency.
- Implemented geo-segmented manpower allocation, ensuring ‘feet-on-street’ availability across 100% of targeted zones, improving reach and reducing bounce rates in early buckets.
- Streamlined audit readiness by institutionalizing feedback loops and corrective action plans, resulting in zero major non-compliance observations in internal and external audits.
- Influenced credit policy revisions by delivering structured market intelligence and bucket-specific recovery insights, contributing to risk-adjusted credit decision-making.
- Improved soft bucket recovery by 20%, introducing tracker-based daily case reviews, automated follow-ups, and reinforcement training for field teams.
- Drove daily productivity reviews and coaching sessions with Area Managers and RCMs, ensuring real-time performance correction and sustained output improvements.
- Key Achievements Across Tenure:
Senior Regional Collections Manager – Andhra Pradesh
Bajaj Finserv (Bajaj Finance Ltd)
10.2018 - 04.2024
- Achieved 96%+ collection efficiency across DPF portfolio, consistently surpassing regional targets while maintaining operational costs within set benchmarks.
- Reduced bucket flow cases by 22% through intensified focus on non-starters and early-stage defaulters, minimizing slippage to higher delinquency buckets.
- Lowered cost of collections by 13% YoY by streamlining field force deployment, renegotiating agency payouts, and enhancing digital follow-up mechanisms.
- Increased first-bucket recovery rate by 18%, aided by daily performance reviews, feedback documentation, and agile field team realignment.
- Maintained 100% field coverage by deploying a bucket-wise and segment-wise “feet-on-street” model, ensuring on-ground visibility and faster recovery cycles.
- Improved audit readiness by institutionalizing feedback logging systems and real-time compliance tracking, resulting in zero audit deviations for two consecutive years.
- Enhanced agency performance by 25%, driven through continuous DCA evaluations, retraining programs, and clear SLA-based performance monitoring.
- Identified and closed training gaps for over 30+ Collections Officers through custom coaching modules and hands-on legal/escalation case management sessions.
- Resolved over 90% of legal and police-related recovery challenges, enabling faster repossession and recovery of high-risk assets.
- Personally handled escalated customer visits and dispute resolution cases, contributing to a 35% improvement in resolution turnaround time and NPS in critical zones.
- Key Achievements:
Relationship Manager – Van Gogh Preferred Banking
The Royal Bank of Scotland N.V.
07.2012 - 05.2013
- Successfully promoted wealth management products (Mutual Funds, Insurance, Debentures, PMS), enrolling 250+ clients and contributing to a 20% YoY increase in product penetration in the Van Gogh Preferred Banking segment.
- Achieved top-tier performance in client conversion by mapping individual financial goals with optimal investment products, leading to a 30% increase in AUM within 6 months.
- Managed a delinquent retail loan portfolio of ₹100+ Crores, spanning Secured and Unsecured products including PL, HL, Auto Loans, LAS, and Revolving OD accounts.
- Reduced early and mid-bucket delinquency by 17%, introducing a customized allocation matrix aligned with local market behavior and risk segmentation.
- Led possession and enforcement actions of secured assets under the SARFAESI Act by coordinating with legal teams and district authorities, ensuring timely recovery through compliant execution of Section 13(4) proceedings and asset seizure protocols.
- Led a 15-member collections team and multiple agencies, improving field efficiency by 25% through structured daily performance reviews and SOP-based deployment.
- Streamlined front-end to recovery lifecycle, enhancing recovery rates and reducing case resolution TAT by 20% across high-risk portfolios.
- Implemented a ‘counselor-based’ approach to collections, improving customer resolution experience and reducing escalations by 40%.
- Strengthened compliance posture, ensuring 100% adherence to audit requirements, legal protocols, and internal credit policy with zero audit exceptions reported.
- Instrumental in agency onboarding and development, grooming agencies to comply with Code of Conduct and maintain brand integrity in field collections.
- Leveraged legal tools effectively, initiating proceedings in critical cases to drive faster closures, improving recovery performance in late buckets by 22%.
- Key Achievements Across Tenure:
Recovery Head – Central Gujarat
Kotak Mahindra Bank Ltd.
08.2006 - 05.2007
- Spearheaded unsecured loan collections across Central Gujarat, consistently achieving recovery targets and improving delinquency resolution rates by driving strategic field operations and agent performance.
- Recruited, trained, and developed high-performing recovery teams, including internal staff and direct recovery agents, resulting in a 20% improvement in field efficiency and resolution turnaround time.
- Streamlined cross-functional collaboration with Sales and Credit teams, enhancing loan sourcing quality and optimizing credit appraisal processes for improved portfolio health.
- Successfully led internal and external audit preparedness and compliance adherence, achieving 100% audit clearance with zero critical observations, reinforcing process integrity and regulatory alignment.
- Key Achievements:
Assistant Manager – Retail Asset Credit & Risk
HDFC Bank Ltd.
10.2005 - 08.2006
Agency Manager – Baroda
E-SERVE International Ltd. (Citigroup Company)
01.2005 - 10.2005
Team Member – Vendor Management Process
GE Capital International Services
01.2004 - 01.2005
Sr. Personal Finance Executive – Hyderabad
Karvy Consultants Ltd.
09.2001 - 01.2004
Sr. Sales Executive (DSA – ICICI Bank Credit Cards)
Serengeti Marketing Pvt. Ltd.
01.2000 - 09.2001
Sr. Sales Executive (Sales Associate – SCB)
Swan Finmart Pvt. Ltd.
10.1998 - 01.2000
Education
MBA - Major in Marketing
Sikkim Manipal University (D.E.)
B.A. -
Osmania University
Diploma - Computer Application
Skills
- Collections and recovery strategies
- Legal recovery procedures
- Delinquency management
- Credit risk assessment
- People management and mentoring
- Dispute resolution
- Client relationship management
- Revenue enhancement
- Retail banking operations
- Business development
- Stakeholder engagement
- Process improvement
- Collection strategy
- Cost reduction
- Performance evaluation
Languages
English, Hindi, Telugu, Gujarati, Oriya, Nepali
References
References available upon request.
Timeline
Zonal Collections Manager
Poweredge Analytics & Services Private Limited
01.2025 - Current
Zonal Collections Manager
UNI Cards (Uniorbit Technologies Pvt. Ltd.)
05.2024 - 12.2024
Senior Regional Collections Manager – Andhra Pradesh
Bajaj Finserv (Bajaj Finance Ltd)
10.2018 - 04.2024
Relationship Manager – Van Gogh Preferred Banking
The Royal Bank of Scotland N.V.
07.2012 - 05.2013
Recovery Head – Central Gujarat
Kotak Mahindra Bank Ltd.
08.2006 - 05.2007
Assistant Manager – Retail Asset Credit & Risk
HDFC Bank Ltd.
10.2005 - 08.2006
Agency Manager – Baroda
E-SERVE International Ltd. (Citigroup Company)
01.2005 - 10.2005
Team Member – Vendor Management Process
GE Capital International Services
01.2004 - 01.2005
Sr. Personal Finance Executive – Hyderabad
Karvy Consultants Ltd.
09.2001 - 01.2004
Sr. Sales Executive (DSA – ICICI Bank Credit Cards)
Serengeti Marketing Pvt. Ltd.
01.2000 - 09.2001
Sr. Sales Executive (Sales Associate – SCB)
Swan Finmart Pvt. Ltd.
10.1998 - 01.2000
MBA - Major in Marketing
Sikkim Manipal University (D.E.)
B.A. -
Osmania University
Diploma - Computer Application
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