Vineet Kesharwani
Bilaspur
Summary
In quest of assignments in Business Development/ CRM / Channel Management/ Risk control/ in a growth oriented organization. An astute professional with more than 20 years of accomplished career track of delivering sustaining revenues & profits in the Banking Industry. A proactive leader and planner with expertise in finance, sales and pre-sales efforts, risk management skills detecting fraud, with skills in staffing and targeted marketing. Streamlining workflow and creating a team work environment to enhance profitability innovatively for reputed urban & rural customers. An effective communicator with management. Hardworking and motivated [Finance & Collection] with [15] years of experience and record of success in [Finance] industry. Solid history balancing team performance, customer service targets and business objectives. Dedicated to working closely with employees to maximize productivity and optimize procedures. Decisive leader with good planning and organizational skills.
Overview
22
22
years of professional experience
Work History
Divisional Manager (Written off, Bad Debt Collection)
Mahindra & Mahindra Financial Services
Chhattisgarh & Nagpur
07.2019 - Current
- Handling Collection of Written off Contracts ( Chhattisgarh State & Nagpur Vidarbha)
- Collection through legal tools (Arbitration, Sec-138,EP)
- Collection and Settlements through Conciliation Camp.
- Tracing of absconding cases.
- Repossession of vehicles of Write-Off Contracts
- Repo Agent Management
- Stock Yard Management.
- ARD function of Repo Stock.
- Disposal of Repo Stock (Online & Offline Auction).
- Team Management.
Area Manager NPA&ARD Cell (Receivable & Collection)
Mahindra & Mahindra Financial Services
07.2016 - 11.2018
- Handled Collection of NPA, Repossession of Higher Aging Contracts.
- Handled Area of 5 Branches for NPA contracts (Bilaspur Territory)
- Collection through legal tools (Arbitration, Sec-138,EP)
- Collection and Settlements through Conciliation Camp.
- Repossession of Vehicles
- Stock Yard Management.
- ARD function of Repo Stock.
- Disposal of Repo Stock (Online & Offline Auction).
- Team Management.
Branch Manager
Mahindra & Mahindra Financial Services
01.2014 - 07.2016
- Handling Branch Operation ( Business, Collection, Compliance)
- Handled Raipur Branch Form JAN-2014 to JUN-2015
- Handled Bhatapara Branch from JUL-2015 to JULY 2016
- Looking for finance of, LCV, and LMV, TRACTORS.
- Refinance of used Car's, and LCV, TRACTORS.
- Collection of financed contracts.
- Risk Credit analysis for provided documents.
- Cross-checks the provided documents.
- Maintaining of relationship with dealers.
- Customer relationship management.
- Maintaining Relationship with Dealers & DSA's
- DSA & Dealers Management.
RCU Manager
Reliance General Insurance
Indore
11.2010 - 01.2014
- Handled location of MP, CG & Rajasthan State.
- Past Handled MP,CG & Nagpur (Vidarbha Location) Since Nov-2010 to Nov-2011
- Handling Risk management of General Insurance
- Handling Location MP, CG & Rajasthan.
- Coordinate other location (Gujarat & South) for cases investigation.
- Internal Fraud Investigation.
- Claim Case Investigation (Health, Non Motor, PA, GPA, Travel, Commercial & Motor PA).
- Handled Theft Case Investigation.
- Tracing of Theft Vehicles & Recovery.
- Licensing with Police.
- Licensing with Advocates.( For filing FIR, Taking custody of recovered vehicles).
- Maintaining MIS
- Cover note control
- Training of RCU AGENCY.
- BAS Check/Back Check of Off rolls staff.
- Investigation of Internal Fraud.
- Monitoring Frauds & risks.
- Ex-Staff recovery
- Investigation Fraud cases with logical conclusion.
- Brach Audit.
Manager Compliance & Business Development
Future Money
Indore
02.2010 - 09.2010
- Handling consumer durables finance
- Handling Compliance in consumer durables finance.
- Handling Team of executives.
- Monitoring KYC and other financial doc.
- Training of executive for consumer durables finance.
- Monitoring the compliance of sales & marketing, business development and handling related operations to sustain the profitability of the business.
- Doing Market Research & new trend analysis for business development.
RCU Manager
Reliance Consumer Finance
06.2008 - 01.2010
- Handled Chhatisgarh from June -2008 to Jan-2009
- Handled Jaipur From Jan 2009-to Jan 2010
- Handling Risk management asset finance.
- Sampling of all products (HL,LAP,AUTO,CV,CE,SME,PL)
- Monitoring Fraud in all products,(HL,LAP,AUTO,CV,CE,SME,PL)
- Maintaining MIS, TAT for sampled cases.
- Monitoring KYC and other financial doc.
- Training of CPA, RCU AGENCY.
- Handling Compliance.
- Monitoring Frauds & risks.
- Cost analysis of sampled doc's ( Pre Sanction & Post Sanction)
- Investigation Fraud cases with logical conclusion.
- Handling & monitoring skip portfolio, trace skip customers generate recoveries
Customer Manager
Mahindra& Mahindra Financial Services
Indore
03.2007 - 06.2008
- Handled finance of, LCV, and LMV, TRACTORS.
- Refinanced of used Car's, and LCV, TRACTORS.
- Monitor Collection of financed contracts.
- Risk Credit analysis for provided documents.
- Cross-checks the provided documents.
- Maintaining of relationship with dealers.
- Customer relationship management.
- Maintaining Relationship with Dealers & DSA's
- DSA & Dealers Management.
Relationship officer
Standard Chartered Bank
Indore
04.2006 - 03.2007
- Monitoring the complete sales and acquisition of CASA business development and handling related operations to sustain the profitability of the business.
- Escalating the Sales of life insurance, Avg
- Achievement Rs 50000 of premium in life and avg
- Focusing on NRI's for NRE and NRO A/c's for generation of revenue from potential client base.
- Targeting service class and professionals for Investments and business class for generating revenue from a/c's
- Enthusiastically participating in several Promotional activities performed to generate new leads and business from them
- Started career with Standard chartered Bank as a Relationship officer
Risk containment unit officer
Expert Investigation (CHHATISGARH.)
03.2002 - 04.2005
- Handled Risk management asset finance.
- Handled location North CHHATISGARH..
- Monitoring Fraud in all products,(HL,LAP,AUTO,CV,CE,SME,TRACTOR)
- Maintaining MIS, TAT for sampled cases.
- Monitoring KYC and other financial doc.
- Sampling of doc's (HL,LAP,AUTO,CV,CE,SME,TRACTOR)
- Verification of sampled doc's
- Asset verification.( CV,CE & TRACTOR)
Education
MBA Business Economics with specialization in MARKETING -
DAVV University Indore (M.P)
06-2007
B.Sc (Computer Maintenance) -
G.G.D.U. Bilaspur (C.G)
04-2002
Skills
- Risk Management
- Fraud Investigation
- Motor Insurance Claim Investigation
- Motor Theft Claim Investigation
- Medi-claim (Health Claim, PA, GPA Claim) Investigation
- Branch Audit
- BAS Check
- Internal Investigation
- Skip Contract Tracing
- Agency Management
- NPA Collection
- Write Off Collection
- Repossession Management
- Repo Agency Management
- Stock Yard Management
- ARD Management
- Arbitration & Sec 138
- Sales & Marketing
- Business Development
- Customer Relationship Management
Father Name
Shri Ashok Kumar Kesharwani
Marital Status
Widower
Computer Forte
- MS-Office
- Windows (98/2000/XP)
- Internet Savvy
- Computer hardware
Personal Information
- Current CTC: 9.5 lakh
- Date of Birth: 01/31/81
Languages
- Hindi: First Language
- English
Timeline
Divisional Manager (Written off, Bad Debt Collection)
Mahindra & Mahindra Financial Services
07.2019 - Current
Area Manager NPA&ARD Cell (Receivable & Collection)
Mahindra & Mahindra Financial Services
07.2016 - 11.2018
Branch Manager
Mahindra & Mahindra Financial Services
01.2014 - 07.2016
RCU Manager
Reliance General Insurance
11.2010 - 01.2014
Manager Compliance & Business Development
Future Money
02.2010 - 09.2010
RCU Manager
Reliance Consumer Finance
06.2008 - 01.2010
Customer Manager
Mahindra& Mahindra Financial Services
03.2007 - 06.2008
Relationship officer
Standard Chartered Bank
04.2006 - 03.2007
Risk containment unit officer
Expert Investigation (CHHATISGARH.)
03.2002 - 04.2005
MBA Business Economics with specialization in MARKETING -
DAVV University Indore (M.P)
B.Sc (Computer Maintenance) -
G.G.D.U. Bilaspur (C.G)
Similar Profiles
Aniruddh BhurtiyaAniruddh Bhurtiya
Assistant Vice President (IT-GRC) at Mahindra & Mahindra Financial ServicesAssistant Vice President (IT-GRC) at Mahindra & Mahindra Financial Services
Subham ChakrabortySubham Chakraborty
Purchase and Project Lead Managing ITSM Support at Mahindra and Mahindra Financial Services Ltd.Purchase and Project Lead Managing ITSM Support at Mahindra and Mahindra Financial Services Ltd.
Latha Vasantha malaLatha Vasantha mala
Deputy Manager at Mahindra & Mahindra Financial Services Ltd.Deputy Manager at Mahindra & Mahindra Financial Services Ltd.
MAKRAND PANDEYMAKRAND PANDEY
Circle Head & AVP HR at Mahindra & Mahindra Financial Services Ltd.Circle Head & AVP HR at Mahindra & Mahindra Financial Services Ltd.
Saurabh NegiSaurabh Negi
Intern at Unified MentorIntern at Unified Mentor