Experience

SHRIRAM CITY UNION FINANCE

• India
• Financial Services
• 200 - 300 Employee

• State Head(AVP)

  • May 2020 - Present



Reliance Money

• India
• Financial Services
• 100 - 200 Employee

• Area Head

  • Nov 2018 - May 2020



IIFL Home Loans

• India
• Financial Services
• 700 & Above Employee

• Senior Manager

  • Aug 2017 - Oct 2018



HDFC Bank

• India
• Banking
• 700 & Above Employee

• Manager

  • Jan 2013 - Aug 2017

  Working with HDFC bank as a manager and handling PL flows Un-secured portfolio. Develop and administer credit and collections programs. Formulating the skip tracing methodologies for bad debts and their implementation on field. Oversee investigation of credit risk in customers and monitor the collection of amounts due to the organization and manage the day to day activities of the Collections Team. Played a pivotal role in ensuring that all cases are handed over to the Debt Collections Agencies within the prescribed time frames and are appropriately actioned. Evaluate and appraise performance of Team members and provide counseling. Formulate collection policies and procedures and monitor implementation of the same. Prepare monthly target statistics and prepare Team reports for Senior Management



Citifinancial Consumer Finance India Ltd

• Assistant Manager

  • Nov 2007 - Jan 2013

   Ensured the policy compliances of debt management. Formulated the skip tracing methodologies for bad debts and their implementation on field. Identification of fraud/pumped cases and reporting to business. Played a pivotal role in ensuring that all cases are handed over to the Debt Collections Agencies within the prescribed time frames and are appropriately actioned. Steered the achievement monthly flow rates and normalization targets for each of the buckets. Conceptualized & developed prediction models to project the month-end delinquency figures for Jaipur zone. Implementing new process in order to improve the collection flows. Evaluated the portfolio consistently and the performance of the HUB and development of Risk acceptance criteria and target market norms. Explore and monitored the cases done in new areas and segments updating findings on the same



GE MONEY INDIA

• Collection Manager

  • Apr 2007 - Nov 2007

  Joined as; ex.– Recoveries, Jaipur in April’2007 for Jaipur.• Ensuring collection in Home loan and Home equity through collection agency.• Early default detection and timely follow-up at initial stages• Use of rehabilitation tools at early stage of delinquency.• Judgment of the need, intention and repayment ability of the customer• Investigation of fraud cases resulting in recovery, revenue & collections• Maximum recovery from writes off accounts.• Handling legal cases and liase with company advocate.



FULLERTON INDIA CREDIT CO LTD

• Collection Manager

  • Aug 2006 - Apr 2007



INFOVISION SOLUTIONS PVT. LTD

• E-Learning Providers
• 1 - 100 Employee

• Executive

  • Jul 2003 - Jul 2006