Devendra Rathore
Regional Debt Manager – Credit Card Flows and Recovery at ICICI Bank Ltd
About
To obtain a position that enables me to use my skills, abilities and experience in a managerial capacity where I can effectively increase and enhance the business.
Experience
Regional Debt Manager – Credit Card Flows and Recovery - ICICI Bank Ltd - Kota, Rajasthan
(2019-02)
Managing credit card collection portfolio for Rajasthan R 30 location (Alwar, Bharatpur, Dholpur, Dausa, Karauli, Tonk, Sawaimadhapour and Kota). Previously managed Ajmer, Bikaner, Bhiwadi, Jodhpur and Udaipur locations.
- Working on monthly set targets
- Managing the portfolio of approx 6500 customer per month
- Handling In-house team & coordinating with local collection agencies
- Visiting on problematic cases with in-house team and Agency
- Coordinating with the Legal team for legal actions on defaulters
- Working on the highest modern banking software
- Tracing NC/Skip customer for immediate payments and any charges levied due to delay of payments
Debt Manager – Agri Collection (Flows & Recovery) - HDFC Bank Ltd - Bikaner, Rajasthan
(2012-10 - 2019-02)
Managing Agri collection portfolio for Bikaner & Nagaur location. Consistently achieving above 90% target in all over Rajasthan.
- Working on monthly set targets
- Managing the portfolio of approx 460 customer per month
- Handling In-house team & coordinating with local collection agencies
- Visiting on problematic cases with in-house team
- Coordinating with the Legal team for legal actions on defaulters
- Working on the highest modern banking software FinnOne, Flexcube, Webcollection, Mobilitycollection
- Contacting defaulters for immediate payments and any charges levied due to delay of payment
- Checking the financial status, history for the loan defaulter to understand what type of customer and plan contact calls accordingly
- Coordinating with the Repo Agencies for reposes the assets
Agency Manager – Credit Cards Recovery - Mashreq Bank - Dubai, UAE
(2009-07 - 2012-10)
Consistently achieving above 90% target in all over UAE.
- Handling the team of Domestic agencies
- Working on monthly set targets
- Handling the portfolio of approx 8000 customer per month
- Giving training to the staff of agencies
- Coordinating with the Legal team for legal actions on defaulters
- Handling the Proposal/Approvals & Police release cases
- Working on the highest modern banking software FinnOne, Flexcube
- Contacting defaulters for immediate payments and any charges levied due to delay of payment
- Checking the financial status, history for the PIL's, Auto Loans defaulter to understand what type of customer and plan contact calls accordingly
- Co-coordinating with the Domestics & International Agencies for absconding cases
- Responsible for monthly targets
Sales Officer – Multi Product - Mashreq Bank - Dubai, UAE
(2007-03 - 2009-06)
- Identifying potential customers and Liaising with them to open, personal loans, auto loans, property loans and credit cards
- Achievements of Sales targets consistently above 80%
- Liaising with clients, to increase the clientele base
- Identify the people those who need bancassurance for cross selling
- Selling highest Mashreq Millionaire to the customers who wanted to try their luck from our bank
- Close the deal and generate new lead from the customer
- Brand visibility in relationship
- Attended sales training and orientation programme conducted by the Mashreq Bank
- Maintain good and cordial relationship with branch manager and staff
- Servicing the existing customers
Collection Officer – Recovery - Tata Finance Ltd - Jaipur, Rajasthan
(2004-01 - 2006-07)
Achieved highest collection target all over Rajasthan for 2 qtrs in 2006.
- Handling all over Rajasthan collections for commercial vehicle
- Personal visit to customers & try to over achieve targets every month
Store Manager
Three Years Retail Experience as a store manager.
- Responsible for deliveries - Banking, bookkeeping, pricing, store maintenance
- Responsible for supervising employees, arranging store layouts
- Stock, cashier, and utilizing cash flow at maximum level
- Dealing with more than 15 items
Education
B.COM - Rajasthan University (2004)
