Amit Parmar

Dynamic and result-driven professional with over 20 years of experience in Collections, Recovery, Retention, and Customer Service across diverse sectors including BFSI, Telecom, and Digital Lending. Proven ability in strategizing collection plans, managing large teams, and driving performance across geographies. Demonstrated entrepreneurial mindset with experience as a fashion entrepreneur and mentor.

Senior Manager – STPL at Credify Technologies Pvt. Ltd. (Creditt+) (2026-05 – Present)

• Led end-to-end collections and recovery operations for unsecured personal loan portfolios, driving delinquency reduction, recovery improvement, and NPA control.
• Developed data-driven collection strategies, MIS, and performance dashboards to monitor DPD, roll rates, bounce rates, cure rates, and recoveries.
• Built and managed high-performing in-house collections teams by establishing SOPs, productivity benchmarks, training programs, and quality standards.
• Managed collection agencies, defined SLAs and compliance standards, and optimized vendor performance to maximize recoveries and operational efficiency.
• Leveraged technology, automation, and digital collection channels while ensuring compliance with RBI guidelines and fair collection practices.

Area Collection Manager – Housing Finance at Authum Investment & Infrastructure Ltd. (2024-07 – 2026-04)

• Heading Collection of Housing NPA for Gujarat (accept South Gujarat)
• Monitor collection performance against targets and KPIs, and take corrective actions as needed.
• Handle escalated cases and complex customer interactions, ensuring customer concerns are addressed effectively
• Implement best practices and innovative approaches to enhance collection efficiency

Regional Collection Manager – PL, BL & Cards at Dhani Loans & Services (Indiabulls) (2021-03 – 2023-11)

• Heading Collection Operations for all buckets for all the branches of South Gujarat
• Managing team of 200+ includes ACM, Managers, TLs & FOS.
• Supervised key performance matrix on the portfolio.
• Effective utilization of overall capacity to ensure maximum productivity
• Regular Review of Portfolio to maximize collections
• Daily review of productivity MIS & Performance MIS
• Regular team reviews & updating the senior team on the progress and corrective action if any
• Tracking of customer queries and escalations
• Regular reviews of current processes and ensure better control
• Create a young vibrant & highly motivated team

Sr. Manager – Retention & Customer Service at YOU Broadband India Ltd. (Vodafone) (2019-06 – 2021-03)

• Improvisation of Retention Process
• Reduction of Voluntary Churn
• Revenue Target Setting & Achievement
• Supervised In-house telecalling & Field Team
• Performance Evaluation & Improvement
• Recovery of Equipment.

Circle Lead - Revenue & Retention at Bharat Business Channels Ltd (VideoconD2H) (2010-12 – 2012-04)

• Heading Revenue & Retention for Gujarat Circle
• Maximize Recharge within given TAT for Active & Disconnected Customers
• Leading In-house Team & distribution channel for renewals.
• Target Setting for the Team and ensure achievement of same
• Strategy Planning to Maximize Renewals
• Strategy planning & implementation for Churn Reduction
• Maximize Recharge Counters & availability at retailer point
• Sourcing of New Retailer & Distributors
• Ensure ROI of Distribution Channels.

Area Collection Manager – PL & BL at Barclay's Bank PLC (2008-08 – 2010-11)

• Heading Collection for PL & BL of all buckets for Gujarat & MP
• Directed In- house team of Managers, Executives & External Collection Agencies
• Ensure Budgeted Delinquency for All Region
• Target Setting & Achievement of same
• Maintain Cost of Collections
• Periodic Audits of Collection Agencies
• Performance tracking & Improvement for Individuals& Agencies.

Zonal Collection Head – West at Dish TV India Ltd. (2007-05 – 2008-07)

Achievements: Successfully introduced & implement external renewal & retention agency model to Indian DTH industry.

• Heading Collections & Revenues for Gujarat, Rajasthan, MP, Chhattisgarh & ROM
• Revenue Enhancement for the Zone
• Introduction of Various Renewal Channels
• Analyze Renewal Trends & Prepares Collection Strategies
• Create Revenue Generation Opportunities for Sales Dealers & Distributors
• Create Dedicated Distribution Channels for Renewals
• Monitoring Collection Call Center for Renewals
• MIS reports & Dunning Process Implementation
• Mapping Business Requirements
• Identifying Improvement Areas
• Achieve Customer Satisfaction Benchmark.

Manager – STPL Collection at Indiabulls Credit Services Ltd. (2006-01 – 2007-05)

• Heading Collections for Gujarat & MP
• Heading In-house team & External Agencies
• Ensure budgeted delinquency
• Maintain charge offs for the portfolio
• Aging Analysis
• Control Collection Cost
• Developing various collection strategies
• Keeping a check on other costs viz. people, infrastructure etc.
• Ensure compliance with legal statutes & initiating strong legal actions
• Formulating MIS reports for effective decision making.

Sr. Officer - Card Recoveries at Standard Chartered Bank (2004-03 – 2006-01)

• Managing Credit Card Write-Off Portfolio
• Supervised team of telecallers, In-house field executives & 4 external agencies
• Appointment of agencies for collections
• Negotiating on vendor payouts
• Ensure cost effective solutions for the bank
• Exercise adequate control over Agency performance
• Carried out periodic performance & process audit
• Liaison with Legal/Law Enforcing Authorities
• Investigation of frauds
• KRA settings for the team & periodic performance evaluation
• Identify training needs.
• Represent SCB in court for legalsuitsfiled.

Sr. Executive – Credit & Collection at Tata Teleservices Ltd. (2003-03 – 2004-02)

Executive - Credit & Collection at Bharti Cellular Ltd. (2002-03 – 2003-03)

Representative - Credit & Collection at Brila AT&T Communication Ltd. (1997-05 – 1999-10)

MBA in Risk Management – National Institute of Management (2009)

Adv. Diploma in Computer & Information Management in Computer & Information Management (1995)