Summary
Overview
Work History
Education
Skills
Accomplishments
Disclaimer
SELF ANALYSIS
STRENGTHS
Timeline
Generic
Yash Vardhan Sehgal

Yash Vardhan Sehgal

Manager
New Delhi

Summary

Strong desire to pursue a carrier in Banking Financial. Ability to work hard & learn new concepts, self-motivated and desire to Excel towards innovation & Creativity. To work in highly competitive environment and to obtain challenging and growth-oriented job in an organization & try my best for the enlistment of the company.


Overview

8
8
years of professional experience
2
2
Languages

Work History

Manager

TATA CAPITAL LTD
02.2024 - Current
  • Handling collections of Unsecured (BL/PL) & Secured (TW/UCL) Loans of DPD 451+.
  • Managing the recovery of DPD accounts of Unsecured Portfolio Like: - (Business Loan, Personal Loan & Micro Business Loan)
  • Delinquent book size of 50 Cr with 4000+ cases
  • Handling 8 agencies with 55+ FOS and callers
  • Joint visit on high POS cases with FOS and negotiated settlement of RTP.
  • Maintaining the Agency Allocation, Payment file and Performance MIS
  • Communicated with customers diplomatically and respectfully.
  • Exceeded collection target goals with assertive communication and negotiation skills.
  • Maintained compliance with fair debt practices and regulatory guidelines.
  • Remained calm and poised when communicating with difficult clients or in stressful situations.
  • Delivered exceptional customer service on all calls while maintaining calm and professional demeanor in challenging circumstances.
  • Resolved complex collection cases, liaising with debt collection agencies and local courts to foster positive outcomes.
  • Created solutions to overcome obstacles impacting customer ability to repay debt.
  • Recommended legal action or discontinuation of service in cases of non-payment.
  • Trained new collection representatives on collections processes and incentivized team members to achieve production goals.
  • Offered debtors assistance with payment planning.
  • Managed delinquency cycle, including past due collection calls, skip tracing, outside collections agency coordination and litigation activities
  • Calculated debt amounts using financial records.
  • Negotiated customer repayment plans, consistently maximizing early payments to reduce debt recovery time.
  • Persistently contacted customers with extremely past due accounts to recover lost revenue.
  • Maintained professional tone when corresponding by phone or email.
  • Handled financial transactions, creating, and filing accurate records.
  • Stored customers information securely to maintain confidentiality.
  • Negotiated with account holders to devise repayment plans and minimize collections receivables.
  • Addressed and resolved customer disputes to support favorable collection rates.
  • Facilitated official agreements outlining terms of repayment.
  • Performed collection of overdue debts, reconciling high-volume account queries.
  • Conducted investigations to trace and locate debtors.
  • Compiled moves and organizations to support debt recovery operations.
  • Leveraged skip tracing and data tracking techniques to trace debtors.
  • Achieved performance goals on consistent basis through strong knowledge of industry best practices.
  • Generated reports outlining goals.
  • Using legal tools - Section,25/138,11, Executing Bailable Warrants, Non Bailable Warrants.
  • Letter to employer, Passport impounded using Passport Act 2008 (Provision - 10/3/H), IBC Notice
  • Managed and motivated employees to be productive and engaged in work.
  • Accomplished multiple tasks within established timeframes.

Relationship Officer

ADITYA BIRLA CAPITAL
05.2022 - 02.2024
  • Handling collections of unsecured Business Loans X days to 120 DPD.
  • Contacted customers to arrange or collect payments.
  • Exceeded collection target goals with assertive communication and negotiation skills.
  • Recommended legal action or discontinuation of service in cases of non-payment.
  • Investigated cases of debt to uncover details of debtors.
  • Educated customers about company products, services, and special offers.
  • Updated customers on service issues and maintained communication through continued communication.
  • Communicated client feedback to leadership teams and identified improvement possibilities.
  • Kept records of all contact with clients using CRM system.
  • Communicated with customers diplomatically and respectfully.

Supervisor

Av Collection & Management Pvt Ltd
12.2021 - 04.2022
  • Managing Portfolio HDFC & Kotak Credit Card & Personal Loan and leading a team of 25+ professional.
  • Handling a portfolio of 350+ cases (Recovery Cases)
  • Managing the Tele callers & Field executives working on the field with Collection executives.

Supervisor

Kuber Consultants
08.2018 - 12.2021
  • Managed portfolio related to debt recovery and leading a team.
  • Managing Recovery, Bucket - 2 & Bucket – 3.
  • Handling 3 portfolios of 3000+ Cases of Avail Finance, SBI Card & RBL Bank (Credit Card, Personal Loans & Micro Personal Loans.)
  • Field visits on problematic cases & coordinating to resolve & service dispute cases.
  • To ensure minimum provision for month by doing higher rollback & normalizations in bucket
  • Trial MIS updating which helps in study of whole case.

Tracer & Backend Executive

Citi Collection India Pvt Ltd
08.2017 - 07.2018
  • Managed portfolio related to debt recovery and handling all accounts of Non-Contactable Pool.
  • To Traced new Contact number and Addresses of Non-Contactable Pool.
  • Also, Trace customer’s references like his friends, his relatives & Other known persons.
  • Updating MIS which helps in study of whole Scenario of our portfolio.
  • Sending notices to NPA cases on priority bases.
  • Receipts tracking & reconciliation along with cash & Cheque.

Education

Bachelor of Commerce -

SVAS University
01.2021

DRA - Debt Recovery Agent - Banking And Finance

Indian Institution of Banking & Finance
04.2001 -

Skills

Debt recovery expertise

Customer service management

Monitoring processes

Customer relations

Past due balance management

Goal-oriented focus

Portfolio management

Performance tracking

Accomplishments

  • Successfully recovered Rs.50 Lakhs single-handedly in August 2024.
  • Winner of the JFM Contest (2025), securing 1st Rank at the Pan-India Level.
  • Received Star of Month Award in Jan 2025.
  • Successfully recovered Rs.52 Lakhs single-handedly in March 2025.
  • Received Star of Month Award in July 2025.

Disclaimer

I do hereby declare that all the above statements made are correct to the best of my knowledge and belief.

SELF ANALYSIS

With positive attitude can grow with modern era.

STRENGTHS

Optimistic, Honest, Sincere, Willingness to learn.

Timeline

Manager

TATA CAPITAL LTD
02.2024 - Current

Relationship Officer

ADITYA BIRLA CAPITAL
05.2022 - 02.2024

Supervisor

Av Collection & Management Pvt Ltd
12.2021 - 04.2022

Supervisor

Kuber Consultants
08.2018 - 12.2021

Tracer & Backend Executive

Citi Collection India Pvt Ltd
08.2017 - 07.2018

DRA - Debt Recovery Agent - Banking And Finance

Indian Institution of Banking & Finance
04.2001 -

Bachelor of Commerce -

SVAS University

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