Paras Dora

Managed end-to-end recovery operations for write-off loan portfolios across Uttarakhand, covering Personal Loans, Cross-Sell (X-Sell) products, and Used Car Loans. Led and monitored a network of calling and field collection agencies to maximize recovery performance and achieve monthly collection targets. Developed and implemented recovery strategies based on portfolio segmentation, delinquency trends, and agency performance analysis.

Collection Manager – Write-off at IDFC First Bank (2025-09 – Present)

• Managed end-to-end recovery operations for write-off loan portfolios across Uttarakhand, covering Personal Loans, Cross-Sell (X-Sell) products, and Used Car Loans.
• Led and monitored a network of calling and field collection agencies to maximize recovery performance and achieve monthly collection targets.
• Developed and implemented recovery strategies based on portfolio segmentation, delinquency trends, and agency performance analysis.
• Conducted regular reviews with collection agencies to track productivity, recovery rates, and compliance with organizational policies.
• Coordinated with field teams for high-value and complex recovery cases, ensuring effective resolution and customer engagement.
• Monitored agency-wise KPIs, including recovery efficiency, contact rates, field visit productivity, and resolution turnaround times.
• Managed allocation and redistribution of recovery cases among agencies to optimize resource utilization and collection outcomes.
• Ensured adherence to regulatory guidelines, collection processes, and ethical recovery practices across all agency partners.

Relationship Manager – New Car Loans at Kotak Mahindra Prime (2024-08 – 2024-09)

• Source and generate new car loan leads through strategic partnerships with car dealerships and individual customers, leading to a 75% increase in loan origination.
• Conduct detailed loan consultations, providing clients with personalized loan options, explaining terms, and guiding them through the entire application process.
• Process loan applications by collecting necessary documentation, reviewing credit reports, and ensuring compliance with company policies.
• Work closely with underwriting and processing teams to ensure smooth approval and timely disbursement of loans, reducing the average processing time by 50%.
• Develop and maintain strong relationships with car dealerships, increasing the number of qualified leads and enhancing cross-sell opportunities.
• Resolve client issues and provide post-loan support, ensuring a high level of customer satisfaction and fostering long-term relationships.

Team Leader – New Car Collection at Pashupati Associates (2023-06 – 2024-08)

B.Com (Hons) – Shri Guru Ram Rai University, Dehradun (2024)

Class XII (ISC) – Brightlands School, Dehradun (2021)

Class X (ICSE) – Brightlands School, Dehradun (2019)