Pathan Farhan Guddu
Area Manager – 4-Wheeler Loan Recovery
About
Result-driven Area Manager with 10+ years of expertise in loan recovery and collections management across personal, vehicle, and consumer loans. Strong leadership in managing large field teams, optimizing recovery operations, and exceeding performance targets. Demonstrated excellence in rural and semi-urban markets across Gujarat. Recognized through multiple company-wide awards for consistent top performance.
Experience
Area Manager – 4-Wheeler Loan Recovery - Cholamandalam Investment and Finance Company Ltd (Chola Finance) - Ahmedabad,Gujarat
(2025-04)
- Managing recovery operations for Commercial Vehicle loans including HCV, LCV, Mini LCV, MUV, and CE segments.
- Leading and guiding a field team to achieve monthly and quarterly recovery targets.
- Coordinating with branch offices and reporting recovery progress to senior management.
- Focusing on improving field collection efficiency and minimizing overdue accounts in assigned areas.
Area Manager – Rural Term Loan Department - Bajaj Finserv Ltd - Borsad, Gujarat
(2018-06 - 2025-03)
- Oversaw recovery for personal, doctor, and salaried loans.
- Led a high-performing team of 6 Managers and 45 Collection Agents.
- Controlled recovery operations across 10+ locations including Borsad, Khambhat, Sojitra, Dholka, and Kheda.
- Promoted from Manager to Area Manager based on consistent performance.
Collection Agent – 2W/3W Loan Department - Bajaj Auto Finance Ltd - Khambhat, Gujarat
(2015-01 - 2018-05)
- Handled recovery for two-wheeler and three-wheeler loans.
- Maintained monthly recovery targets and improved customer follow-up processes.
Education
Master of Business Administration (MBA) - Dr. Babasaheb Ambedkar Open University (2013-12)
Bachelor of Commerce (B.Com) - Gujarat University (2011-04)
