Aug 2022 – Feb 2025 · 2 yrs 6 mos · Gurgram

Aug 2021 – Jul 2022 · 11 mos · Gurugram, Haryana, India

Jun 2018 – Aug 2021 · 3 yrs 2 mos · Gurgaon, Haryana, India · On-site

• Led risk & collections for ₹500M unsecured portfolio, managing 42 FTEs, increased deep vintage recoveries 12× (INR 1 Million to INR 12 Million) within 14 months.
• Designed and implemented end-to-end collections framework from early delinquency to legal enforcement.
• Designed early warning indicators, reducing front-end opening inventory by 7%.
• Delivered digital process automation, enhancing collections efficiency.
• Built debt management and provisioning budgets, ensuring strong governance and legal coverage.

Jul 2017 – May 2018 · 10 mos · Mumbai, Maharashtra, India

Feb 2013 – Jul 2017 · 4 yrs 5 mos · Gurgaon

•  Integral part of the Management Team, involved in strategic planning and structuring across all business vectors.
•  Developed and executed the transition plan to migrate key processes to the India Office including Fleet Operations & Auditing, Fleet Accounting & Payroll , Fleet Personnel Management (Crewing & Manning) & Broking.
•  Accountable for seamless operations for the Group by effective liaison with banks, vendors, agents and regulatory authorities
•  Accountable for developing and delivery of the Annual budget for the India operations

Feb 2013 – Jul 2017 · 4 yrs 5 mos · Gurgaon, India

Jun 2007 – Feb 2013 · 5 yrs 8 mos

•  Set up a franchise of a leading Delhi based food giant – Sagar Ratna in Himachal Pradesh in October 2007
•  Developed a strategic business plan to support the dream of owning a restaurant. Managed and coordinated every aspect of the restaurant from the interiors /exteriors , technical set up , billing , stock management and marketing.
•  Implemented marketing strategies to increase customer traffic & engagement by advertising in local dailies, radio emailers, flyers and engaging with key influencers.
•  Created advertising in the local newspaper, Google search and radio station to increase engagement and target our target market.
•  Conducted budgeting, marketing and financial/cost analysis.
•  Negotiated with vendors on food supplies appropriate for our business, cost effectiveness
•  Interviewed, hired and managed a team of 21 employees along with providing ongoing training and supervision.
•  Tweaked the Master franchise menu to include recommendations from the local group invited for the food testing.
•  Received an average rating of 4.5/5 stars on all review platforms in the first 3 months with strong customer testimonials praising the quality, exceptional customer experience and vibrant restaurant environment.
•  Manage all aspects of the business inventory, budgeting and both business & kitchen operations.
•  Hosting and greeting customers, this is a strong aspect of my business and role. I believe in creating exceptional customer experiences for my clients to ensure they are back and trust the food we are serving.
•  Controlled food and operating expenses while enhancing food quality and improving kitchen techniques
•  Personally travelled to local markets to procure the best quality supplies within a managed budget and create a reliable supply chain.

Apr 2005 – Aug 2007 · 2 yrs 4 mos

•  Developed & Implemented the Product Policy for Unsecured Loans for the Retail Bank.
•  Handling all aspects of the business right from Product Policy Development, Process Development & Enhancements, System Development in line with the policy requirements, Implementation of Product Policy, Channel Training & Engagement, Sales Support, P&L Management & Analytics.
•  Strategize, design and oversee collections framework and ensure adequate capital and provisioning for the Unsecured Business.
•  Accountable for collection directives from a policy perspective by efficiently managing flow rates, delinquencies and credit losses within assigned benchmarks.

Jun 2003 – Apr 2005 · 1 yr 10 mos

•  Responsible for managing the Underwriting and Collection Unit for Mortgages, Secured Loans & Unsecured Loans for the Eastern region. Managed the Risk Unit comprising of 12 members and 6 outsourced agencies.
•  Accountable for Regional profitability by managing flow rates, delinquencies and credit losses in line with the overall financial budget for the region as well the overall Risk budget for the country.
•  Leading & Guiding the underwriting team to ensure the credit quality of the portfolio and work with the Sales teams to ensure optimum business acquisition in line with the market & policy fitments.

Oct 1999 – Jun 2003 · 3 yrs 8 mos

•  Responsible for managing the Underwriting Unit for Secured Loans for the Northern Region contributing to 60% of the total Retail Asset book and across 6 locations. Managed the Risk Unit comprising of 6 members and 3 outsourced agencies.
•  Liaising with the Regional Sales team regularly to identify opportunities to enhance the revenue stream across the region.
•  Accountable for training across the regions for internal as well as external stake holders.

Feb 1996 – Oct 1999 · 3 yrs 8 mos · New Delhi Area, India

•  Processed retail loan applications in line with the product risk policies and with the specified SLA.
•  Managed the appraisal process for the Off Metro locations (Chandigarh, Ludhiana, Jalandhar, Kanpur & Lucknow) through external agencies
•  Accountable for External Credit Verification Agency Performance across the Northern Region on key vectors of verification quality, process and turnaround time.