Kuldeep Saini

Head Of Collections

Berlin, BerlinMitglied seit 13. Februar 2023

Power BITableau

Über

Results-driven Collections and Recovery Professional with 12+ years of experience across Banking, Financial Services, and Shared Service environments. Extensive expertise in collections management, delinquency control, portfolio monitoring, customer negotiations, recovery strategies, and Accounts Receivable operations. Proven ability to manage DPD buckets, reduce overdue accounts, improve collection efficiency, and ensure compliance with RBI regulations and internal audit standards.

Experienced in handling high-value delinquent accounts, customer escalations, agency coordination, KPI monitoring, and cross-functional stakeholder management. Strong leadership skills with a focus on maximizing recoveries, minimizing NPAs, and enhancing customer satisfaction.

Berufserfahrung

Credit Controller (AR Lead) - Berlin School of Business and Innovation - Berlin, Germany

(2023-04 - 2025-04)

Led end-to-end Order-to-Cash and collections governance for international customer portfolios.
Managed billing, collections, customer reconciliation, dispute resolution, cash application, and recovery activities while ensuring strong financial controls.
Implemented data-driven collection strategies that improved overdue recovery and strengthened working capital performance.
Partnered with Finance, Billing, Customer Success, and Treasury teams to resolve customer disputes and accelerate cash recovery.
Developed executive dashboards tracking DSO, recovery performance, ageing trends, collection effectiveness, and operational KPIs.
Supported automation initiatives through digital tools, workflow improvements, and analytics to improve operational efficiency.
Strengthened governance around bad debt reviews, collection controls, and receivable risk management.
Supported strategic initiatives focused on improving customer experience while enhancing collection outcomes.

AR & Collection Manager - ICICI Bank Ltd - India

(2019-04 - 2020-02)

Owned end-to-end collections strategy across assigned retail loan portfolios covering multiple delinquency buckets from early-stage collections through recovery.
Designed customer segmentation strategies based on DPD movement, payment behaviour, risk profile, and recovery potential.
Monitored portfolio KPIs including Recovery Rate, Roll Rate, Flow Rate, NPL performance, Promise-to-Pay conversion, and collection productivity.
Leveraged predictive dialers, voicebots, automated SMS, and omnichannel communication platforms to improve customer engagement and collection efficiency.
Managed in-house collection executives, field recovery teams, and third-party collection agencies to maximize recoveries while maintaining customer experience.
Partnered with Risk, Operations, Technology, and Product teams to continuously optimize collection journeys and digital recovery strategies.
Conducted portfolio analytics and root cause analysis to identify delinquency trends and recommend strategic improvements.
Managed legal recovery coordination, settlement negotiations, skip-tracing activities, and high-value delinquent accounts.
Ensured compliance with RBI Digital Lending Guidelines, Recovery Agent Guidelines, and internal governance policies.
Delivered continuous process improvements that enhanced recovery performance and reduced operational costs.

AR & Collection Manager - HDFC Bank Ltd - Chandigarh, India

(2018-02 - 2019-03)

Managed collections strategy across retail banking portfolios while improving recovery rates and minimizing portfolio delinquency.
Developed bucket-wise collection plans for early-stage, mid-stage, and late-stage delinquent customers.
Managed collection agencies, dialer partners, field recovery teams, legal vendors, and settlement partners.
Used analytics to monitor collection productivity, bucket movement, roll rates, cure rates, and portfolio performance.
Implemented customer segmentation strategies that improved recovery effectiveness while maintaining positive customer relationships.
Conducted agency governance reviews, vendor scorecards, and performance evaluations.
Collaborated closely with Risk and Operations teams to optimize recovery strategies and improve collection efficiency.
Mentored collection teams and improved operational performance through structured coaching and KPI management.

Billing & Collection Manager - Black Box Pvt Ltd - India

(2017-06 - 2018-02)

Managed enterprise billing, collections, customer reconciliation, dispute management, and revenue recovery.
Improved billing accuracy through process standardization and automation initiatives.
Led customer escalations and payment resolution across domestic and international clients.
Supported financial reporting, reconciliations, audits, and month-end close activities.

AR Process Lead - Capgemini Pvt Ltd - India

(2014-06 - 2017-05)

Led global Accounts Receivable and collections operations supporting multinational clients.
Managed customer collections, disputes, cash application, billing governance, and ageing management.
Designed KPI dashboards monitoring collection effectiveness, DSO, ageing, and portfolio trends.
Supported digital transformation initiatives across global O2C operations.

Senior Associate AR - Accenture Pvt Ltd - Bangalore, India

(2013-02 - 2014-06)

Supported global collections operations, customer reconciliation, dispute management, and working capital improvement initiatives.
Developed standardized SOPs and governance controls across shared service operations.

Associate AR - Xchanging Pvt Ltd - Bangalore, India

(2010-08 - 2013-01)

Generated and issued customer invoices accurately and within agreed timelines.
Monitored customer accounts and tracked outstanding receivables.
Followed up on overdue invoices to improve collections and reduce ageing balances.
Reconciled customer accounts and resolved billing discrepancies.
Prepared Accounts Receivable reports and maintained accurate financial records supporting month-end close.