Randhir Mishra

To work in an organization that provides me the right environment to give my best and constantly inspires as well as motivates me to work to the best of my knowledge and capability, thereby contributing to the success of the company along with personal growth and career development over a period of time. 6+ Years of core professional experience in the NBFC, MFI, and Retail Vehicle Finance sector. Proven expertise in managing end-to-end Sales (Business Development) and Field Collections / Recovery Operations. Extensive experience in Leadership & Team Handling (successfully managing teams of up to 14 field executives).

Proficient in multi-district portfolio management across commercial 3-wheelers, tractors, refinance, and auto loans.

Team Leader (Sales & Collection) - Khushbu Auto Finance Limited - Aurangabad, Nawada, Gaya, Jehanabad

(2026-03)

Team Size Managed: 13 Sales & Collection Executives

• Territory Operations: Heading full sales and recovery functions across 4 major districts to drive operational metrics.
• Team Leadership: Directing, mentoring, and monitoring a team of 13 field executives to achieve optimal weekly and monthly targets.
• Business Development: Mapping prospective geographical locations to identify key collection and business spots to accelerate vehicle loan disbursements.
• Dealer & DSA Relationships: Fostering robust strategic tie-ups with automobile dealerships, local showrooms, and DSAs to establish stable lead pipelines.
• Portfolio Recovery & NPA Control: Formulating field-level collection frameworks, managing high-risk overdue cases, ensuring daily collection entries, and keeping NPA values strictly under control.

Area Collection Manager - VGM Consultants Ltd - Patna Division, Bihar

(2025-09 - 2026-03)

Team Size Managed: 14 Field Recovery Executives

• Led, monitored, and optimized a large multi-location team of 14 collection professionals.
• Allocated daily route charts, field visit plans, and cash remittance schedules to maintain strong field discipline.
• Ensured high daily collection metrics, optimal customer contact rates, and seamless Promise-to-Pay (PTP) conversions.
• Identified recurring bounce accounts, structured concrete follow-up paths for skip/untraceable clients, and handled hard-bucket recovery collections through strategic negotiation.

Team Leader & Senior Business Executive - Mahindra & Mahindra Financial Services Ltd - 3-Wheeler Loan Div | Gaya, Bihar

(2021-12 - 2025-09)

• Promoted commercial 3-wheeler retail loan options, driving customer acquisition across individual and commercial segments.
• Managed, trained, and supervised a frontline sales force of 4 executives to maximize file logins and improve conversion rates.
• Supervised end-to-end loan fulfillment lifecycle including customer sourcing, rigid documentation checks, and smooth backend coordinating with credit, risk, and operations teams.
• Conducted localized customer outreach camps, vehicle drives, and village loan melas in rural and semi-urban territories.
• Ensured absolute compliance with organizational credit terms, customer vetting guidelines, and 100% KYC policies.

Senior Sales Executive - HDB Financial Services Ltd - Tractor & Refinance | Nawada, Bihar

(2021-01 - 2021-11)

• Focused directly on building product portfolios for New Tractor Financing and Asset Refinancing programs.
• Partnered closely with internal recovery structures to settle critical overdue profiles via strategic restructure/refinance tools.
• Took ownership of monthly branch allocation targets, tracked distribution funnels, and motivated sales personnel.
• Optimized branch profitability and client retention by actively cross-selling top-up business and structural balance transfers.

Collection Officer - Mahindra & Mahindra Financial Services Ltd (via TeamLease) - Gaya Division, Bihar

(2019-12 - 2021-01)

• Conducted rigorous daily field visits, telephonic outreach, and structured customer contact sessions for timely recoveries.
• Maintained daily registers of collections, mapped outstanding client ledgers, and actively reduced early-bucket overdues.

MBA - Subharti University (Meerut) (2019)

BCA - Magadh University (Gaya) (2017)

I.Sc (12th) - B.S.E.B (Patna) (2014)

Matriculation (10th) - B.S.E.B (Patna) (2012)