Abmish Kumar

Senior Collections & Risk Management leader with 20+ years of experience leading large scale collections, recoveries and risk strategies across secured and unsecured products. Proven expertise in building and transforming PAN India collections organizations, scaling technology-enabled operations and delivering superior portfolio performance. Expert in driving digital-first collections through AI, analytics, automation and omnichannel engagement to optimize collections, enhance customer experience, reduce NPAs and improve cost efficiency.

Recognized for leading large-scale business transformation, strengthening governance and compliance and building high-performing teams that deliver sustainable growth and operational excellence.

National Head – Collections at Prefr (Cred) (2019-11 – Present)

Currently leading PAN India collections operations for early bucket portfolios with complete ownership of tele-calling, field collections, vendor governance and compliance management.

• Built and scaled a nationwide collection vertical across strategically important markets.
• Established technology-driven tele collections operations from ground zero.
• Set up regional call centers and PAN India vendor infrastructure.
• Built dedicated legal recovery and escalation frameworks.
• Managed portfolio exposure of approximately ₹3,500 Cr.
• Led large-scale hiring, collections governance and regional expansion.
• Implemented AI and analytics-driven collections strategies to improve recovery efficiency.
• Delivered collections performance aligned with NCL and business risk targets.

Zonal Collections Head – West Zone at Axis Bank Ltd (2016-05 – 2019-10)

Led West Zone retail collections across Credit Cards, Personal Loans, and Secured Assets with end-to-end responsibility for collections, recovery performance, compliance and operational governance.

• Managed secured and unsecured collections portfolio exceeding 250 Crs+ across Maharashtra, Gujarat, MP, and Goa.
• Built zonal collections infrastructure including tele-collections setup.
• Designed low-cost recovery strategies that improved operational productivity.
• Led portfolio segmentation, analytics, flow-rate monitoring, and recovery optimization.
• Managed regional leadership teams and workforce of 100+ employees.
• Strengthened compliance adherence, customer resolution standards, and vendor governance.
• Drove consistent recovery performance through structured execution and reviews.

Zonal Collections Head – Gold Loans & Cards at Axis Bank Ltd (2013-04 – 2016-04)

Led secured collections and gold loan recovery operations for the West Zone with responsibility for collections strategy, legal frameworks, auction management, and vendor governance.

• Managed Gold Loan & Cards collections portfolio of ₹800 Cr+.
• Established complete collections framework and operating model for Gold Loans.
• Developed legal recovery, customer awareness, and bidding processes.
• Built state-wide vendor ecosystem and operational controls.
• Implemented structured collections and escalation mechanisms across locations.

Regional Manager – Cards & Personal Loans at Axis Bank Ltd (2010-04 – 2013-04)

Managed regional collections operations for Credit Cards and Personal Loans with focus on recovery optimization, legal action management, and agency governance.

• Managed portfolio exposure of ₹210 Cr+ with 15,000+ accounts.
• Led agency empanelment, collections staffing, and vendor performance management.
• Directed legal recovery actions including Section 138 proceedings and recovery suits.
• Improved recovery efficiency while optimizing collections cost.
• Ensured strict adherence to legal, regulatory, and compliance frameworks.

Center Manager – Collections at Axis Bank Ltd (2007-12 – 2010-03)

Entrusted with turning around high-delinquency locations and rebuilding collections effectiveness.

• Successfully transformed collections performance for Aurangabad operations.
• Built new collections teams and introduced structured recovery processes.
• Created focused delinquency management task force.
• Expanded responsibility to Nashik operations based on performance.
• Reduced delinquency levels significantly among emerging city locations.

Manager – Cards at Bob Financial Ltd (2002-04 – 2007-11)

Played a key role in establishing card sales, merchant acquisition, and collections operations.

• Instrumental in setting up Cards Sales & Collections operations.
• Managed merchant acquisition and EDC installations across key markets.
• Led DSAs, verification agencies, and collections vendor operations.
• Strengthened collections processes and delinquency management practices.
• Supported strategic partnerships to strengthen brand and business growth.

Master of Commerce in Commerce – University of Agra