Rohit Bhargava

Results-driven Overdue Collection Executive with hands-on experience in managing delinquent portfolios across Personal Loans, Credit Cards, and Unsecured Products. Proven ability to achieve recovery targets through structured follow-ups, customer negotiation, and compliance-driven collection practices. Skilled in early, bucket, and hard collections with strong focus on minimizing NPAs, improving roll-back ratios, and maintaining positive customer relationships while adhering to banking policies.

CBSL (FIELD COLLECTION OFFICER) - Cholamandalam - Kota Hub

(2025-12)

Responsible for BKT 2 and BKT 3 – Business loan, Personal loan

Collection Executive (Kotak PL PCD2 – W.OFF. &, Axis Unsecured) - Benchmark Enforcement and Recovery

(2025-05 - 2025-11)

• Handled BKT 2, write-off and unsecured recovery.
• Performed field visits, skipping tracing and customer negotiation.
• Consistently achieved monthly collection targets.

Collection Agent – SBI Credit Card CD2, CD3, CD5 - Mudra Wala Pvt. Ltd.

(2023-01 - 2025-04)

• Managed mid-to-high delinquency buckets.
• Took payment commitments, settlements and updated MIS.

Field Collection Agent – Navi Personal Loan - Dabla Brothers Pvt. Ltd.

(2022-09 - 2023-12)

• Performed field recoveries and follow-ups.
• Ensured timely pick-ups and improved resolution.

BCA - Jayoti Vidyapeeth (2013 - 2015)

Senior Secondary - NIOS (2010)

Secondary - CBSE (2005 - 2006)