Nagesh Rajput

I believe in adding value to all stake holders of my business through all possible means. I always seek perpetual improvement in my professional life and in the process, ensure improvement of the entire ecosystem. I firmly believe learning is a never-ending process and every small thing learnt will add value to one's life.

Cluster Manager – UCF_MP & CG - Baja jFinance Ltd.

(2013-05 - 2018-10)

• Analyze daily MIS reports to track collection efficiency, bounce rates, and portfolio health across the assigned cluster.
• Monitor delinquency buckets and execute daily intervention strategies to prevent account roll-forwards and reduce (NPAs).
• Allocate daily cases and recovery targets to the internal field team and external collection agencies based on geographical routing and account priority.
• Review daily cash and digital payment reconciliations to ensure accurate and timely updating of customer accounts.

Senior Area Collection Manager RTW– Ratlam MP - Baja jFinance Ltd. - Ratlam

(2017-06 - 2018-10)

• Manage the complete RTWcollections portfolio for the Ratlam territory, closely monitoring daily delinquency reports across various DPD buckets.
• Design daily beat plans and routing strategies for the region to ensure maximum field coverage and optimize travel time across Ratlam and adjoining rural/semi-urban belts.
• Analyze daily MIS and branch-level dashboards to identify high-risk accounts and prevent forward flow (bucket progression) into higher delinquency stages.
• Drive the resolution of high-value and chronic default cases by personally conducting field visits and negotiating directly with difficult customers.

Area Manager–Surat(Bardoli)Gujarat - Baja jFinance Ltd. - Surat

(2017-01 - 2017-06)

• Analyze daily MIS and branch-level dashboards to identify high-risk accounts and prevent forward flow (bucket progression) into higher delinquency stages
• Allocate daily cases and recovery targets to the internal field team and external collection agencies based on geographical routing and account priority.

Sales Manager- Digital Product Finance, Surat - Baja jFinance Ltd. - Surat

(2016-06 - 2017-01)

• Conduct regular field visits to authorized dealers, retail partners, and large-format stores across Surat.
• Build and maintain strong, profitable relationships with key decision-makers at partner outlets.
• Identify and onboard new dealer partners to expand the business network and geographical footprint and managed team of 50 people

Assistant Manager – Consumer Finance, Chhindwara - Baja jFinance Ltd. - Chhindwara

(2015-08 - 2016-06)

• Own and deliver the regional sales targets for the CD product finance portfolio.
• Formulate and execute strategies to maximize our finance share (penetration rate) at partner counters against competitors.
• Track daily, weekly, and monthly login and disbursal metrics to ensure consistent target achievement.
• Implement promotional campaigns and seasonal schemes at the dealer level to boost loan volume

Executive – Consumer Finance, Chhindwara - Baja jFinance Ltd. - Chhindwara

(2013-05 - 2015-08)

• Take complete ownership of launching the Chhindwara market, acting as the primary face of the company in the region.
• Manage end-to-end sales operations independently during the initial phase, from lead generation and dealer onboarding to loan login and disbursal.
• Identify high-potential retail pockets and map the local market for consumer durables, electronics, mobile phones, and two-wheeler dealerships

M.B.A. - Marketing - Dr.CV Raman, Bilaspur (2015-07 - 2017-05)

B.Sc. - Computer Science - Holkar Science College, Indore (2010-06 - 2013-05)

10+2 - Merit Higher Secondary School, Indore (2008-06 - 2010-05)

10 - Krishna Convent High School, Harda (2007-06 - 2008-05)