Javed Bumlajiwala

Great network in Gujarat and Rajasthan for collections and recoveries, Experience in Managing internal large team and vendors, Excel Data interpretation, Dashboard base presentation, Microsoft Excel, Power BI Dashboard Presentation, Excel Modelling, Excellent knowledge of complete collections ecosystem and able to deliver conversion under the circle of code of conduct, Great geographical knowledge of Gujarat and having excellent network with vendors in complete Gujarat geography, Excellent in process following and monitoring breach of code of conduct, able to manage and mitigate entities losses Great forecasting skills for collections vertical with considering upcoming indigenous and exogenous factors.

Area Collection Manager - Collections - Bajaj Finance - Ahmedabad, Gujarat

(2024-07)

• Directing flow team, vendors and field collection officer.
• Allocation of portfolio, drafting strategy
• Assigning targets on Daily, Weakly & monthly basis
• Prepare and send daily collections and seized vehicles reports to management at the end of the day
• Monitored seizing activity, yarding & practicing code of conduct
• Empanelment of new agencies, due diligence to add more to enhance network
• Team Size 25 External agencies 5 managed in Anand, Dahod & Godhra
• Visit on vendors for awareness of new scheme of incentives, add value to improve recovery, helping to find loop holes
• Track Bill clearance of vendors on time
• Cash Collected reconciliation, deposition on time.
• Allocation of special cases of early buckets
• Preparation of cases to send for legal activity like sec 138, Lok Adalat etc
• Deal with cops in specific complaints
• Prepare multiple MIS and dashboard to track the trend and finding value by analysing trend

Area Recovery Manager - Collections - Bajaj Auto Finance - Ahmedabad, Gujarat

(2021-01 - 2022-08)

• Managed NPA 2W/3W portfolio, field collection
• Allocation of portfolio, drafting strategy
• Assigning targets on Daily, Weakly & monthly basis
• Prepare and send daily collections and seized vehicles reports to management at the end of the day
• Monitored seizing activity, yarding & practicing code of conduct
• Empanelment of new agencies, due diligence to add more to enhance network
• Team Size 8/ External agencies 30 managed
• Visit on vendors for awareness of new scheme of incentives, add value to improve recovery, helping to find loop holes
• Track Bill clearance of vendors on time
• Cash Collected reconciliation, deposition on time.
• Allocation of special cases of early buckets
• Preparation of cases to send for legal activity like sec 138, Lok Adalat etc
• Deal with cops in specific complaints
• Prepare multiple MIS and dashboard to track the trend and finding value by analysing trend

State Head - Collections - Si Creva Capital (Kissht Finance) - Ahmedabad, Gujarat

(2020-01 - 2020-05)

• Managed microfinance portfolio for entire Rajasthan & Gujarat.
• Hiring new talents and training and align them for entity objectives
• Daily target assignment with 15 days closing cycle
• Team Size 60 External agencies 3 managed
• Cash Collected reconciliation, deposition on time.
• New strategy building and implementation to enhance outcome
• Plannings, abide team with strict deadlines, discipline

Regional Collection Manager - Collections - India Shelter Finance Ltd - Ahmedabad, Gujarat

(2019-01 - 2019-12)

• Managed affordable home loan portfolio for all buckets for Gujarat.
• Allocation and distribution of monthly targets
• Team Size 8 managed
• Visiting on disputed cases to resolve the issue with customer and make the easy-to-understand complicated consequence
• Preparation of cases to send for legal activity like sec 13/2, 13/4, symbolic possession and DM orders
• Visiting for symbolic possession, painting on reposed, following SARFESI act 2012
• Deal with cops and media in specific complaint
• Convert old accounts to ECS (Electronic clearing system) and help customers to solve ECS dispute
• Deal with cops and media in specific complaints
• Presentation to senior for current work and further planning
• Highlight negative locations of funding, constantly co-ordinate with credit & operations department

Collection Officer - Collections - Majid Al Futtaim LLC - Dubai, UAE

(2010-09 - 2015-08)

• Managing soft bucket collections for credit cards over 500 accounts on monthly basis
• Tele collections and field
• Working on daily, weekly and monthly targets for soft bucket
• Responsible to achieve target set by seniors on monthly MIS
• Updating detailed conversation in system for further talk
• Train new joiners, explain code of conduct and regulations of the country
• Replying on customer complaints on CRM in set TAT, solving the queries
• Attending walk in customers to explain financial statements, to solve the dispute
• Help new joiners to meet the targets.

Delinquency Control Officer - Collections - Arab Bank PLC - Dubai, UAE

(2008-06 - 2010-08)

• Managing NPA & write off portfolio of credit cards over 5000 accounts through external agencies
• Allocation and assign target to agencies on multiple countries
• Visiting vendors and discussing further improvement
• Responsible to achieve target set by seniors on monthly MIS
• Co-ordinating and putting inputs with senior managers meet, discussing the possibilities of targets.
• Planning, strategizing and forecasting year end outcome
• Empanelment of new agencies, due diligence to add more to enhance network

Collection Officer - Collections - Abn Amro Bank - Dubai, UAE

(2006-10 - 2008-05)

• Managing soft bucket collections for credit cards over 400 accounts on monthly basis
• Tele collections, making daily 150 calls
• Working on daily, weekly and monthly targets for soft bucket
• Responsible to achieve target set by seniors on monthly MIS
• Updating detailed conversation in system for further talk
• Train new joiners, explain code of conduct and regulations of the country
• Replying on customer complaints on CRM in set TAT, solving the queries
• Attending walk in customers to explain financial statements, to solve the dispute
• Help new joiners to meet the targets.

Certified in Interactive Dashboard Building in excel - Skill Nation (2023-01)

Master’s - Business Administration (Finance) - University of Atlanta – Dubai UAE (2011-01)

Bachelor of Commerce - R.K Bhavan’s College Ahmadabad - Gujarat, India (2004-05)