– Present

• Resolvedescalated customer calls andmanagedsupervisor requests. Consistentlymetcompanyanddepartmentgoalsthrough payment and forbearance agreements. Conductedskip tracingandassetmanagement to retaincustomer goodwill. Maintainedtransparency and integrity in customer interactions. Reporteddaily to the assistance collectionmanager. Handledaportfolio fromBkt X toRight offCases.

– Present

• ManagedCollection&RecoveryAccountabilitiesforConsumerDurableLoanPortfolioof HDB Financial Services Ltd. Preparedloansfor charge-off review and recommended legal actionwhennecessary. Balancedgeneral ledger accounts and addressed customer concerns. Executedwagegarnishments andmanagedbankruptcies anddelinquencies.

– Present

• CustomerRelations:Professionally handlecustomers visiting thebranchwith queries, ensuring their concerns are addressedpromptly and effectively. PortfolioAchievement:Successfullymeetandexceedtargetsfor theassigned Credit Card collection portfolio. DelinquencyManagement: Efficientlymanage thedelinquency of the Credit Card portfolio in the Indore, Khandwa, Khargon,Bhuranpur, Badwa, Sanawad, (NimadArea) region, minimizingdefaults and losses. FeedbackCollection:Collect timelyfeedback fromAgencyTeamLeadersand Field Officers for each individual case togauge its severity and tailor the approach accordingly. AuditCoordination:Organizeandconductmonthly auditschedules, providing the necessary data to auditors for a comprehensive review. AgencySupport:Assistandguideagencies inaccuratelymaintainingcashand cheque sheets, reducing errors and improvingoverall efficiency. PhysicalCollection Targets: Achieve andsurpass physical collection targets, contributing to the overall recovery efforts. Market Insights:Regularlyprovidevaluable insightsand feedback to theArea Collection Manager on emergingmarket trends.

Jan 2025 – Present · 1 yr 2 mos · Indore, Madhya Pradesh, India · On-site

• PL-BKT1

Jan 2025 – Present · 1 yr 2 mos

• Responsible for managing delinquency of Bkt-1 and focused on reducing inventory. Responsible for increasing the percentage of retaining customer asking for settlement and satisfying their requirement with in management boundaries. Responsible for achieving monthly and yearly targets as mentioned by management. Agency Management in terms of educating and motivating field executives to achieve collection targets and coordinating with a team of field executives. Maintaining daily M.I.S. report and forwarding to the higher management. Delinquency Management: Efficiently manage the delinquency of the Personal Loan portfolio in the All over madhya pradesh state, minimizing defaults and losses.

Mar 2024 – Dec 2024 · 9 mos

• Responsible for managing delinquency of Bkt-1 and focused on reducing inventory. Responsible for increasing the percentage of retaining customer asking for settlement and satisfying their requirement with in management boundaries. Responsible for achieving monthly and yearly targets as mentioned by management. Agency Management in terms of educating and motivating field executives to achieve collection targets and coordinating with a team of field executives. Tracing the absconding customer. Maintaining daily M.I.S. report and forwarding to the higher management. Escalating customer query to different department and try to find out solution with mutual consensus.

Mar 2024 – Dec 2024 · 9 mos

• credit card-BKT-1

Dec 2022 – Mar 2024 · 1 yr 3 mos · Indore, Madhya Pradesh, India · On-site

• credit card -write off

Dec 2022 – Mar 2024 · 1 yr 3 mos

• Customer Relations: Professionally handle customers visiting the branch with queries, ensuring their concerns are addressed promptly and effectively. Portfolio Achievement: Successfully meet and exceed targets for the assigned Credit Card collection portfolio. Delinquency Management: Efficiently manage the delinquency of the Credit Card portfolio in the Indore, Khandwa, Khargon, Bhuranpur, Badwa, Sanawad, (Nimad Area) region, minimizing defaults and losses. Feedback Collection: Collect timely feedback from Agency Team Leaders and Field Officers for each individual case to gauge its severity and tailor the approach accordingly. Audit Coordination: Organize and conduct monthly audit schedules, providing the necessary data to auditors for a comprehensive review. Agency Support: Assist and guide agencies in accurately maintaining cash and cheque sheets, reducing errors and improving overall efficiency. Physical Collection Targets: Achieve and surpass physical collection targets, contributing to the overall recovery efforts. Market Insights: Regularly provide valuable insights and feedback to the Area Collection Manager on emerging market trends.

Oct 2021 – Dec 2022 · 1 yr 2 mos

• ARD-RETAIL

Oct 2021 – Dec 2022 · 1 yr 2 mos

• BL, PL, CC, CD Collections: Managed collections for BL, PL, CC, and CD portfolios, including HDFC, Bajaj, Fullerton, RBL. Case Handling: Successfully handled over 10,000 cases with a combined value of more than 70 crore. Agency Development: Empaneled new agencies and directed them towards achieving maximum resolution, enhancing the collection process. Reporting: Provided daily collection reports to the Area Collection Manager, offering transparency and performance insights. Feedback Loop: Conducted daily feedback sessions with agencies, offering guidance and support to improve their performance. Problematic Case Resolution: Visited challenging and high-priority cases, ensuring maximum conversion and resolution.

Apr 2019 – Sep 2021 · 2 yrs 5 mos

• X-BKT personal loan

Apr 2019 – Sep 2021 · 2 yrs 5 mos

• Resolved escalated customer calls and managed supervisor requests. Consistently met company and department goals through payment and forbearance agreements. Conducted skip tracing and asset management to retain customer goodwill. Maintained transparency and integrity in customer interactions. Reported daily to the assistance collection manager. Handled a portfolio from Bkt X to Right off Cases.

Jan 2017 – Mar 2019 · 2 yrs 2 mos

• Managed Collection & Recovery Accountabilities for Consumer Durable Loan Portfolio of HDB Financial Services Ltd. Prepared loans for charge-off review and recommended legal action when necessary. Balanced general ledger accounts and addressed customer concerns. Executed wage garnishments and managed bankruptcies and delinquencies.