Sachin Wadhghule

Experienced Collection and Recovery Professional with over 7 years of expertise in Retail Loans, Agricultural Loans, Home Loans, NPA Management, Recovery Operations, and Legal Collections. Skilled in managing collection teams, handling delinquent accounts, negotiating settlements, and coordinating legal recovery processes under SARFAESI, Arbitration, DRT, and Section 138 proceedings. Proven ability to maintain collection efficiency, reduce delinquency levels, and manage multi-district recovery operations effectively.

Manager – Collections - AU SMALL FINANCE BANK LTD. - Nashik Region (Nashik, Chhatrapati Sambhajinagar, Ahilyanagar, Jalgaon & Dhule)

(2025-08)

• Managing collection and recovery operations across multiple districts.
• Handling NPA accounts, legal recovery follow-ups, and portfolio monitoring.
• Coordinating with legal teams for SARFAESI, Arbitration, DRT, Section 138, BW/NBW proceedings.
• Monitoring field recovery teams and collection agencies.
• Negotiating One Time Settlements (OTS) with customers.
• Maintaining collection efficiency and reducing delinquency levels.

Collection Manager - ICICI BANK LTD.

(2024-08 - 2025-07)

• Handling bucket 1 to 6 collections for Home Loans, Auto Loans, Personal Loans, Commercial Vehicles, and Two Wheeler Loans.
• Managing PCB (Potential Common Borrower) linked loan relationships.
• Handling escalation calls related to collections and payment verification.
• Arranging repayment schedules based on customers' financial situations.
• Recovering debts from delinquent accounts through negotiation and follow-up.
• Discussing repayment solutions and foreclosure options with customers.
• Leading and motivating collection executives to achieve targets.
• Monitoring and auditing agency performance to improve recovery rates.

Collection Officer – Agricultural Loans - HDFC BANK LTD. - Niphad, Yeola, Chandwad, Kalwan & Deola

(2019-01 - 2024-08)

• Handling and managing a team of Agricultural Collection Officers.
• Managing collection agencies and allocation planning.
• Monitoring collection performance and conducting regular reviews.
• Handling agricultural loan collections across all buckets: 0–90 Days, 90–180 Days, LNPA 270–365, NPA 365+, Written-off Accounts
• Strategic planning and account bifurcation based on DPD.
• Ensuring low NPA levels and minimizing fresh provisions.
• Coordinating legal actions under SARFAESI, Arbitration, DRT, BW/NBW, and Section 138.
• Handling One Time Settlement (OTS) cases.
• Coordinating with local authorities for property-related documentation.

Collection Executive - CONNEQT BUSINESS SOLUTIONS LTD. - Niphad & Dindori

(2014-12 - 2018-11)

• Collection of Tractor Loans, Agricultural Loans, and Cash Credit accounts.
• Managing collections from demand stage to NPA stage.
• Conducting strong follow-ups on unresolved cases.
• Performing field visits for problematic and overdue accounts.
• Handling HHT cash receipt machines and receipt books.
• Managing daily cash deposits and reporting.
• Resolving customer queries regarding statements, penalties, cheque bounce charges, and repayment schedules.

M.Com - Pune University (2013)

B.Com - Pune University (2011)

HSC - Nashik Board (2009)

SSC - Nashik Board (2007)