Pramod Vishwakarma

Results-driven Collection & Recovery professional with 16+ years of expertise in financial services across NBFCs, banking, fintech, and real estate sectors. Proven ability to lead state-wide and area-level collection operations, drive bad debt recovery, manage high-performing teams, and ensure regulatory compliance. Consistently achieved 85%+ recovery rates and delivered measurable improvements in cash flow, DPD bucket resolution, and operational efficiency.

Seeking a senior leadership role in Collections, Recovery, or Credit Operations.

State Head – Uttar Pradesh - Arial Telecom Solutions Pvt. Ltd. - Uttar Pradesh

(2024-09 - 2025-11)

• Directed state-wide operational planning and execution, ensuring alignment with strategic organizational goals.
• Expanded service coverage by 30% and drove revenue growth of 25% by launching new operational units.
• Enhanced channel partner and employee performance by 20% through comprehensive training and strategic support.
• Improved client retention by 15% through targeted customer satisfaction and service quality initiatives.
• Boosted operational efficiency by 18% through KPI monitoring and targeted process improvements.
• Improved recovery rates by 22% by designing and executing compliance-focused recovery strategies.
• Reduced outstanding debt by 20% by proactively negotiating payment plans with delinquent customers.

Area Collection Manager (CE) - Mahindra Holidays & Resorts India Ltd.

(2021-06 - 2024-05)

• Consistently achieved monthly collection targets including ROCs and ASF for the assigned area.
• Regularized overdue accounts by proactively engaging members and resolving payment-related queries.
• Managed customer relationships to enhance satisfaction, reduce churn, and generate referrals.
• Escalated unresolved issues to senior management to ensure timely resolution and improved collections.

Assistant Collection Manager - Innovatiview India Pvt. Ltd.

(2017-04 - 2021-04)

• Managed rental collection and asset recovery processes, reducing outstanding dues significantly.
• Executed payment follow-up communications via email and phone to enhance collection rates.
• Handled waiver requests, adjustments, dispute resolutions, and reconciliation of accounts.
• Coordinated bad debt collection activities, minimizing write-offs through proactive recovery actions.
• Maintained credit records and supported informed decision-making and risk management.

Collection Team Manager - Intractive BPO Service Pvt. Ltd.

(2015-12 - 2017-02)

• Led collection agents team, increasing overall performance metrics by 15%.
• Reduced Days Sales Outstanding (DSO) by 20% through accelerated timely collections from business customers.
• Streamlined accounts receivable (AR) processes, boosting operational efficiency by 25%.
• Raised customer satisfaction scores by 18% by resolving escalated collection issues promptly.
• Ensured compliance with GST and TDS regulations, minimizing operational risk.

Outbound Team Leader - Vertex Customer Solutions

(2011-06 - 2015-10)

• Managed and coached a team of collection agents, improving collection efficiency and customer experience.
• Analyzed collection data to identify trends, prepared performance reports, and negotiated payment terms.
• Ensured compliance with policies and handled escalated customer issues effectively.

Outbound Tele Collection Executive – ICICI Bank - Serco BPO Service Pvt. Ltd.

(2008-09 - 2011-06)

• Executed targeted outbound calls to ICICI Bank customers, consistently surpassing monthly collection targets.
• Coordinated field collection appointments and managed high-volume inbound/outbound calls per SOPs.
• Maintained accurate records of customer interactions and collection data for reporting purposes.

Master of Arts (M.A.) - History - Chhatrapati Shahu Ji Maharaj University (CSJMU)

Bachelor of Arts (B.A.) - History - Purwanchal University, Jaunpur

12th (Intermediate) - UP Board

10th (High School) - UP Board