Dharmender Kumar

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.

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

LLB - Chaudhary Charan Singh University (2026-05)

B.Com - B.Com (P) - Delhi University (2014)