Hi, I’m
Vishal Kumar Gupta
Area Manager - Collection
Balodabazar
Summary
Dedicated finance professional with 15+ years of experience in finance and accounts management, seeking a responsible position to contribute analytical, leadership, and financial planning skills toward company growth.
Overview
2
Language
15
years of professional experience
Work History
Mahindra & Mahindra Financial Services Limited
Area Collection Manager – Receivable Passenger Vehicle
01.2025 - Current
Job overview
- Handling branches at Raigarh, Sarangarh, Dharamjaigarh, Sakti, Janjgir, Korba, and Katghora
- Managed collections for bucket 1, 2, and 3, optimizing recovery processes
- Managed non-performing asset reversals to improve financial stability.
- Handling collections for Car, Auto Sector, and Refinance products
- Generated business leads for LMV, AS, and CV/CE segments, expanding market reach
- Developed strategies for cross-selling additional financial products to clients.
- Personal loan disbursement
- Used car loans and general refinance management
Mahindra & Mahindra Financial Services Limited
Area Collection Manager – Collection
05.2016 - 12.2024
Job overview
- Handling branches at Balodabazar, Bhatapara, Bhatgaon, and Tilda
- Managing collection buckets including X Bucket, 1 Bucket, and 2 Bucket collections
- NPA reversal management
- Acting as SPOC for Balodabazar operations
- Maintaining strong and healthy dealer relationships
- Managing back-office operations and functional activities
- Enhanced the goodwill and reputation of the organization.
Mahindra & Mahindra Financial Services Limited
Branch Manager
10.2014 - 05.2016
Job overview
- Managed branches at Korba.
- Handled branch-level Sales, Collections, and Operations
- Managed collection buckets including X Bucket, 1 Bucket, and 2 Bucket collections
- NPA and ED case reversal management
- Maintained business portfolio for LMV, Tractor Finance, General Refinance, Direct Marketing, and Auto Division
- Ensured business quality by tracking and controlling team performance
- Managed quarterly business budgets and Target vs Actual analysis
- Prepared reports related to branch operations and performance
- Maintained strong relationships with DSA partners, dealerships, and used car dealers
- Resolved customer queries effectively while maintaining a customer-first approach
Cholamandalam Investment and Finance Company Limited
Sales Officer
04.2011 - 09.2014
Job overview
- Managed sales activities for LMV and Auto Division
- Handled collections and ED maintenance
- Generated business leads through existing customer relationships
- Developed and maintained strong customer relationships
- Supported business growth through effective sales and recovery management
Education
Pt. Ravishankar ShuklaBaloda Bazar, India
Bachelor of Science from Mathematics
04.2001
Skills
Debt recovery expertise
Portfolio management
Credit risk assessment
Credit reporting
Professional Achievements
Received Best NPA Reversal Area Award – 2019 at Colombo, Sri Lanka, Awarded Collection Ka Hero Award – 2021–2022, Received “The Sword of Warriors Contest Award” for Best Area Collection Manager (SBC 2023) at Delhi, Awarded Best Area Collection Manager (SBC 2024) during the Q4 International Conference at Kuala Lumpur, Malaysia – 2024, Received “Collection Ka Khiladi Award” – 2025–2026
Languages
English
Hindi
Timeline
Area Collection Manager – Receivable Passenger Vehicle
Mahindra & Mahindra Financial Services Limited
01.2025 - Current
Area Collection Manager – Collection
Mahindra & Mahindra Financial Services Limited
05.2016 - 12.2024
Branch Manager
Mahindra & Mahindra Financial Services Limited
10.2014 - 05.2016
Sales Officer
Cholamandalam Investment and Finance Company Limited
04.2011 - 09.2014
Pt. Ravishankar Shukla
Bachelor of Science from Mathematics
04.2001