Dharmender Kumar
Manager - Recovery & Legal | NBFC Collections | LLB Final Year
About
Results-driven Recovery Professional with 7+ years in NBFC Collection & Legal. Expertise in SARFAESI Act 2002, Section 138 NI Act, DRT Proceedings, Lok Adalat & Field Recovery. Managed portfolios up to ₹5 Cr across Business Loan & Personal Loan. Currently pursuing LLB Final Year (CCSU) to strengthen legal expertise. Proven track record of 90%+ recovery rate in NPA accounts.
Experience
Collection Associate - UBL - FT Cash - Delhi NCR
(2022-12)
- Handling Unsecured Business Loan portfolio of ₹2.5 Cr across Delhi NCR
- Achieved 92% collection efficiency in 90+ DPD bucket for 6 consecutive months
- Initiated 15+ Legal Actions under 138 NI Act, recovered ₹40 Lakhs via settlement
- Coordinating with advocates for DRT & Civil Suit filing
- Conducting FCU verification and RC checks
Collection Executive - UBL - Indifi Technologies Pvt Ltd
(2021-06 - 2022-12)
- Managed ₹3 Cr SME Loan portfolio with team of 4 Field Executives
- Reduced NPA by 18% through SARFAESI & Legal intervention
- Settled 50+ cases worth ₹1.2 Cr via Lok Adalat
- Maintained MIS & coordinated with Legal team
Sr. Collection Associate - UBL - Ziploan (BlueJay Finlease Ltd)
(2020-01 - 2021-06)
- Handled 60-180 DPD bucket with 85% resolution rate
- Executed Asset Repossession for 20+ cases
- Customer restructuring & counseling
Collection Officer - PL - Indiabulls Ventures Ltd
(2019-01 - 2020-02)
- Managed ₹1.5 Cr portfolio
- Field recovery, negotiation & skip tracing
- Achieved 88% targets
Education
LLB - Chaudhary Charan Singh University (2026-05)
B.Com - B.Com (P) - Delhi University (2014)
