Vishwa L K
Hyderabad
Summary
More than 15 years of Experience in Collections in Tele calling , Agency Management , Pan India Call Center Management, Field Management, Banking and Non Banking Sectors, Fintech Companies, Expert in Multiple Products like Credit Cards, Personal Loans, Digital Loans, Home loans, Farm Equipment Loans. Field Recruitment to Agency Setup and Tele calling Set up and Pan India Call Center Setup.
Overview
19
19
years of professional experience
Work History
Agency Manager
Smart Coin Financials Pvt. Ltd - Olyv
Hyderabad
07.2025 - 01.2026
- Coordinating with outsourced recovery teams, tele-callers, and field agents. Personally Reviewing the Portfolio with team giving helping hands to reach the Collection Targets.
- Ensuring all recovery practices align with local debt collection guidelines and banking regulations.
- Providing regular updates to Senior Management on Portfolio Performance, Collections Metrics, Key Initiatives, and potential areas of concern.
- Helping the Team in Skip Tracing APIs and Software, Contact References, Co-applicants, and Employers
- Check LinkedIn for recent employment updates , and scour Facebook or Instagram to identify tagged locations, new cities, or photos with friends and family
- Tracing services often source or legally compel data from e-commerce patterns and utility bills
Assistant Manager
Northeast Chit fund Services Pvt Ltd
Hyderabad
05.2024 - 07.2024
- Reviewing the Daily Collection and Achievements, setting up DRR, City Collection Head, Achieved Given Targets. NPA, Suit Filed Cases, Sending Legal Notices, Cross Sales.
Assistant Manager
RENTOMOJO Pvt Ltd.
Mumbai
04.2023 - 03.2024
- Taken Zonal Level Responsibility and increased Resolution 60 DPD to 90 DPD Cases in Consumer Durable, highest in Resolution in a Recovery and Rental Recovery. Highest Resolution City Mumbai and Pune with a Team Size of 3 Supervisors and 10 Field Staff, Cross Sales.
Manager
HDFC BANK Pvt Ltd.
Mumbai
08.2018 - 06.2022
- Vendor Management, Completing and Conducting Agency Audit, drafting mail on RBI Compliance, drafting mail on MD Escalations, Setting Weekly Targets and Conducting Reviews Periodically to Achieve Weekly and Monthly goals, Joint Visit to Resolve the Case on priority, offering Payment Plans to get resolution, offering Cibil Settlements. Cross Sales.
Sr. Manager
L&T Financial Services Pvt Ltd.
Mumbai
11.2017 - 08.2018
- Setting up a Call Centre Structure to handle the Pan India level Calling with in a Stipulated time. Conducting interview for Staff and Reviewing the Cost, Analyzing the incentive Chart, Handling Team Size of 60 Tele callers & 1 Assistant Manager in Pan India in Farm Vehicle Equipment, Pre reminder Calling, Cross Sales Top-up Loans.
Branch Recovery Manager
Deewan Housing Finance Ltd.
Mumbai
06.2015 - 11.2017
- Drafting mail on Field Escalations, Cross sales, Managing Mumbai City Allocation for Bucket X Handling Team Size of 30 Field Staff and 2 Field Supervisors in Home Loan. Increased Resolution on Referral Cases from Call Centre in Bucket X, 30 DPD Cases with Securing the Highest Resolution Mumbai Zone Up to 98 % Achieved Star Performer for Mumbai. Compliance Management. Cross Sales insurance on Existing Loans.
Sr. Process Associate
TCS
Mumbai
11.2011 - 06.2015
- Call Centre Associate, Cross Sales, Resolving the inbound and outbound Calls Querries, Tracing the Delinquent Customers, Building Contractability on Skip Cases, offering the Final Settlement and Cibil Clearance. 60 DPD to 180 DPD, Awarded Role Model. Process Management and Compliance Management. Cross Sales in Card Loans.
Sr Associate Debt Management
HSBC
Mumbai
06.2007 - 10.2011
- Resolving Customer Querries of Escalated Cases within TAT Time, and Reduced NPA Cases and Reduced Delinquency Level. 90 DPD ++ Cases and Awarded for Best Performer.
Education
Postgraduate - Finance
Wellinkar Institute of Management Studies
Mumbai07-2013
B.com -
S.I.W.S
Mumbai01-2007
Skills
- MS office
- Excel
- PPT
- Pivot Table
- Data Analyzing
- Data Management
- Publishing MIS Reports
- Reviewing the Portfolio
- Google Sheets
- Typing (40 Wpm)
- Agency management
- Collection efficiency
- Compliance management
- Team leadership
- Cross selling
- Problem solving
- Performance monitoring
- Customer relationship management
Timeline
Agency Manager
Smart Coin Financials Pvt. Ltd - Olyv
07.2025 - 01.2026
Assistant Manager
Northeast Chit fund Services Pvt Ltd
05.2024 - 07.2024
Assistant Manager
RENTOMOJO Pvt Ltd.
04.2023 - 03.2024
Manager
HDFC BANK Pvt Ltd.
08.2018 - 06.2022
Sr. Manager
L&T Financial Services Pvt Ltd.
11.2017 - 08.2018
Branch Recovery Manager
Deewan Housing Finance Ltd.
06.2015 - 11.2017
Sr. Process Associate
TCS
11.2011 - 06.2015
Sr Associate Debt Management
HSBC
06.2007 - 10.2011
Postgraduate - Finance
Wellinkar Institute of Management Studies
B.com -
S.I.W.S