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
Word
Front Page
Outlook Express
Strategic planning for collection from clients against pending/unpaid dues
Streamlining & improving existing systems/processes
Supporting a positive work environment with strong communication and relationship management skills
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