Senior Area Receivable Manager - Equitas Small Finance Bank - Hyderabad, India
(2025-05)
Area Collections Manager – Telangana & Rayalaseema Regions. Managed end-to-end collections across 21 branches in Telangana and Rayalaseema, overseeing a ₹750 Crore loan portfolio comprising 2,900+ loan accounts.
- Led and mentored a team of 65 collection professionals, driving operational excellence and achieving business objectives across multiple locations.
- Directed collection operations across 24 districts, including Hyderabad, Warangal, Karimnagar, Adilabad, Khammam, Kamareddy, Kurnool, Nandyal, Chittoor, Kadapa, Tirupati, Annamayya, Anantapur, and Sri Sathya Sai.
- Conducted alternate-day branch visits and field reviews to monitor collection performance, improve recovery efficiency, strengthen team productivity, and ensure compliance with company policies and regulatory requirements.
- Collaborated with Legal, Credit, Operations, and Branch teams to resolve complex delinquent accounts and accelerate recoveries.
- Monitored branch-wise collection performance, ageing reports, delinquency trends, and portfolio health, implementing timely corrective actions to reduce portfolio risk.
- Successfully managed collection operations across the entire Rayalaseema region while maintaining strong portfolio quality and operational discipline.
- Consistently achieved 99%+ collection efficiency, exceeding recovery targets through effective leadership, performance management, and disciplined execution.
- Reduced the delinquency and NPA portfolio by 10% through targeted recovery strategies, regular performance reviews, focused follow-up mechanisms, and proactive portfolio monitoring.
Cluster Collection Manager - TATA CAPITAL LIMITED - Hyderabad, India
(2025-01 - 2025-05)
Area Collection Manager – Telangana | Hyderabad. Managed collections for the entire Telangana region, overseeing Personal Loan and Loan Against Property (LAP) portfolios with a total book size of ₹90 crore.
- Led and mentored a team of 74 collection professionals along with external collection agencies across multiple districts in Telangana.
- Consistently achieved 90%+ collection efficiency across key performance metrics while ensuring adherence to organizational targets.
- Successfully managed collections across X1, X2, and 3+ delinquency buckets, delivering strong recovery performance and minimizing portfolio risk.
- Monitored portfolio health, analyzed delinquency trends, and implemented effective recovery strategies to reduce roll-forward rates and improve asset quality.
- Collaborated closely with branch operations, legal teams, and external vendors to resolve high-value and critical delinquent accounts.
- Conducted regular field visits across Telangana for performance reviews, team coaching, vendor governance, and process compliance.
- Strengthened collection operations by implementing strategic recovery initiatives, enhancing vendor performance, and improving field productivity and operational efficiency.
Collection Manager - INDUSIND BANK LTD - Hyderabad, India
(2023-02 - 2024-12)
Senior Collection Manager – Andhra Pradesh & Telangana | IndusInd Bank. Managed end-to-end collections across Andhra Pradesh and Telangana for Loan Against Property (LAP), Business Loans, and Small-Ticket Unsecured Loan portfolios with a total book size of ₹300 Crore.
- Led and mentored a team of 56 collection professionals along with external collection agencies, ensuring efficient recovery operations across the region.
- Directed collection activities across key locations including Hyderabad, Warangal, Karimnagar, Kurnool, Vijayawada, Tirupati, Anantapur, and Visakhapatnam.
- Consistently achieved 90%+ collection efficiency, meeting recovery targets while maintaining healthy portfolio performance.
- Developed and executed region-specific collection strategies to improve recoveries, reduce delinquency, minimize bucket migration, and enhance portfolio quality.
- Monitored collection performance through regular MIS reviews, portfolio analysis, and delinquency tracking, implementing corrective actions to improve recovery outcomes.
- Conducted regular branch and field visits to review performance, resolve critical and high-value delinquent accounts, coach field teams, and ensure target achievement.
- Managed field collection teams and vendor partners, ensuring compliance with bank policies, regulatory guidelines, and service-level agreements.
- Collaborated with Branch, Credit, Risk, and Legal teams to resolve complex cases and accelerate recoveries.
Collection Manager - ADITYA BIRLA FINANCE LTD - Hyderabad, India
(2021-03 - 2023-01)
- Majorly deals with soft Bucket 1 to 6 of Business loans & LAP.
- Day today contact with customers for pending dues.
- Supporting the team leader for collections by observing day today performance according with DRR.
- Ensuring all reports and feedbacks are well maintaining to the agencies and they are utilized for taking subsequent action in portfolio.
- Portfolio Allocation and Team management.
- Recurring Tracker and report maintenance, Taking Review meetings with Team leaders and Proprietors.
- Planning and Execution of DRR regular basis and make sure we reach it.
- Keeping weekly milestones and reaching targets as per management requirements.
Assistant Manager - RBL FINSERV PVT LTD - Hyderabad, India
(2020-02 - 2021-01)
- Handled complete Hyderabad area for collections.
- Majorly dealing with flows portfolio Personal Loans & Business Loans.
- Maintained good relation with team of vendors and review of the team leader.
- Handled team of Executives on field and taking day today feedback at agency for collection.
- Handling personal loans collections for Flows & Recovery.
- Reducing delinquency and maintaining flow rates within budgeted targets.
Senior Collections Executive - MUTHOOT MONEY PVT LTD - Kurnool, India
(2018-11 - 2020-02)
Managed end-to-end collections operations across Kurnool area in Rayalaseema region, ensuring achievement of monthly collection targets and portfolio quality objectives.
- Oversaw collection visits in major locations including Kurnool & Nandyal.
- Identifying early warning signs of customer deterioration, same escalate to management and place accounts on hold when appropriate.
- Resolving customer inquiries, issues, and disputes.
- Handled team of Executives on field and taking day today feedback at agency for collection.
- Handling team experience in absence of supervisor.
- Maintained good relation with team of vendors and review of the team leader.
- Handling motor collections for Flows.
- Process visiting customer on daily basis for collection.
- Planning area wise field visits and informing customer for pending EMIs.
- Inform to Customers about those EMI before EMI Dt & Collecting amount if bounce in NACH.
- Monitoring Deposit of Collected amount & Report send to HO daily basis.
- Send Reminders to the concerned party about clearing the payments.
- Monitor critical customers, Meet explain about legal activities with Guarantor, Co-Applicant About pending EMI.
- With Help of Legal Team Execute Notices & Warrants to the defaulters.
- If need seized the vehicle personally or take help of Repo Team.
- Take required orders from the Court & Other Regulating Authorities before the seizure.
- Maintain Co-ordination with Lawyers, Polices Dept etc.
- Maintain the Records of the pending receivables.
- Following up the accounts by daily and collecting money from customers.
- Depositing the collected money from customer on daily basis.
- Daily collections slip submitting in office by evening.
- Visiting problematic customers with the help of manager and guide to customer.
- Weekly attending the meeting conducted by manager.
- Planning to fulfill the target numbers in time.
Field Officer - MAGMA FIN CORP LTD
(2014-11 - 2018-11)
- Process visiting customer on daily basis for collection.
- Planning area wise field visits and informing customer for pending EMIs.
- Inform to Customers about those EMI before EMI Dt & Collecting amount if bounce in NACH.
- Monitoring Deposit of Collected amount & Report send to HO daily basis.
- Send Reminders to the concerned party about clearing the payments.
- Monitor critical customers, Meet explain about legal activities with Guarantor, Co-Applicant About pending EMI.
- With Help of Legal Team Execute Notices & Warrants to the defaulters.
- If need seized the vehicle personally or take help of Repo Team.
- Take required orders from the Court & Other Regulating Authorities before the seizure.
- Maintain Co-ordination with Lawyers, Polices Dept etc.
- Maintain the Records of the pending receivables.
Collection Executive - SRI RAMA DISTRIBUTORS - Kurnool, India
(2011-11 - 2014-11)
- Following up the accounts by daily and collecting money from customers.
- Depositing the collected money from customer on daily basis.
- Daily collections slip submitting in office by evening.
- Visiting problematic customers with the help of manager and guide to customer.
- Weekly attending the meeting conducted by manager.
- Planning to fulfill the target numbers in time.
