Use in last 6 yrs
Viraj Jadhav
Cluster Manager ( PL- Recovery)
Dombivali West,MH
Summary
Passionate about professional excellence and dedicated to contributing to organizational success. Expertise in strategic planning, credit administration, collections & recovery, and people management within the banking and telecom industry. Proven track record of leadership and commitment to achieving tangible results. Prepared to take on a strategic role to spearhead significant growth and success for the organization.
Overview
17
17
years of professional experience
1
1
Certification
4
4
Languages
Work History
Cluster Manager
SMFG India Credit Ltd.( Fullerton India Ltd.)
Mumbai , Maharashtra
02.2025 - Current
- Conducted regular performance evaluations for all employees to recognize achievements, address challenges, and facilitate professional growth.
- Monitored data analytics to identify trends, opportunities, and areas of improvement within the cluster operations.
- Led training initiatives that enhanced employee skills, knowledge base, and productivity levels across various functions within the organization.
- Developed efficient operational processes to optimize resources and improve overall cluster performance.
City Head
Ugro capital ltd
01.2024 - 01.2025
- Expertly managing the JD portfolio in both metro and non-metro markets.
- Monitored team performance while executing effective collection strategies.
- Conducting daily reviews with the Manager & Vendors.
- Tracking and generating Manager & Vendors wise mis.
- Identifying and cultivating channel partners while maintaining strong vendor relationships.
- Ensuring strict adherence to compliance policies, collection processes, and audit requirements, consistently upholding high standards to meet performance targets.
Senior Manager
AU Small Finance Bank Mumbai
05.2023 - 11.2023
- Managing accounts from bucket 0 to write-off (Woff), efficiently handling the entire portfolio.
- Expertly managing the JD portfolio in both metro and non-metro markets.
- Executing collection strategies, closely monitoring location performance, and providing insights.
- Conducting daily reviews with the agency and coordinating with the RCM (Regional Collection Manager).
- Tracking and generating location-specific MIS reports for segment managers.
- Identifying and cultivating channel partners while maintaining strong vendor relationships.
- Ensuring strict adherence to compliance policies, collection processes, and audit requirements, consistently upholding high standards to meet performance targets.
Cycle Collection Manager
Kotak Mahindra Bank
09.2020 - 05.2023
- Managing portfolio BKT 3&4 CREDIT CARD.
- Primary responsibilities encompass Resolution from Flows portfolio 65% Resolution & 20% Norm.
- Planning and scheduling collection strategies, team management, Agency management audit, compliance, cash management and operation.
- Deciding on allocation of case to collection Agency & Hiring New vendor Implement.
- Responsibilities include improving collections by helping and motivating Collection representatives with new ideas and structures.
- Handling SECTION 17 ARRBRITION Account with the help of Arbitrator.
Area Collection Manager
India bulls consumer Finance
10.2018 - 08.2020
- Managing portfolio PL 0-30.
- Primary responsibilities encompass Resolution from Flows portfolio 98%.
- Planning and scheduling collection strategies, team management, audit, compliance, cash management and operation.
- Deciding on allocation of case to collection executives.
- Responsibilities include improving collections by helping and motivating Collection representatives with new ideas and structures.
Assistant Manager
Kotak Mahindra Bank Ltd
08.2015 - 08.2018
- Managing portfolio worth Rs.40 Crores.
- Managed recovery of money from written-off portfolios.
- Planning and scheduling collection strategies, payout structure, agency management, team management, audit, compliance, cash management and operation.
- Deciding on allocation of case to collection agency / collection executives.
- Responsibilities include improving collections by helping and motivating Agency representatives with new ideas and structures.
- Interface with Operations, Marketing and Sales team, and Service customer Disputes.
- Review for non-contactable & skip accounts and make sure to crack it within time limits.
- Review & guideline on problematic and high value account in the portfolio to understand the payment structure of customers better.
- Negotiate with customers who visit the branch to settle accounts.
- Interface with legal entities at several levels to crack case.
Team Leader
RMS Credit Services
08.2008 - 03.2015
- Managing Collection Portfolio in the Mumbai Hub.
- Handling clients like HSBC Credit cards, Personal loan.
- Handling 16Fos & 4 Tc.
- Also Handled Collection Agency For Hard Buckets & Soft Bucket.
- Co-Ordination with agency people on field.
- Handled financial recovery for affluent client accounts.
- Conducting training sessions with collections Executives about product introduction and collection related activities.
- Taking Feedback from field executive.
Education
Bachelor Of Commerce - Economics
08.2014
Skills
Excel
Certification
Debt recovery Agent
Software
Finone, Vymo,
Software use for collection efficiency and productivity trails management trails efficiency.
Timeline
Cluster Manager - SMFG India Credit Ltd.( Fullerton India Ltd.)
02.2025 - Current
City Head - Ugro capital ltd
01.2024 - 01.2025
Senior Manager - AU Small Finance Bank Mumbai
05.2023 - 11.2023
Cycle Collection Manager - Kotak Mahindra Bank
09.2020 - 05.2023
Area Collection Manager - India bulls consumer Finance
10.2018 - 08.2020
Assistant Manager - Kotak Mahindra Bank Ltd
08.2015 - 08.2018
Debt recovery Agent
05-2010
Team Leader - RMS Credit Services
08.2008 - 03.2015
Monad University - Bachelor Of Commerce, Economics
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