Lead Asset Disposal and Recovery at National Level at Vastu Housing Finance Corporation Limited (2025-12 – Present)
- End to End NPA Management.
- Team building & capacity enrichment through timely training, feedback & ownership empowerment.
- System review and upgradation, to meet regulatory norm & legal provisions.
- Stress asset management through disposal, early warning signal & remedies, customer counselling & effective utilization/offerings.
- Micro level tracking, monitoring & driving the team towards the organizational goal and thereby creating performance driven ecosystem.
- Devising automation & system driven data management and its dissemination.
- Ensure lowest level of Cost to Collection, through effective utilization & efficiency of available resources and robust performance linked recognition & awards.
NPA-Stress Asset Management for Home Loan and LAP at L&T Finance Limited (2022-07 – 2025-12)
- Performance Review & Strategies OTR (Onetime Restructured Portfolio) portfolio & NPA-Stress Asset Management through liaison of credit, operation and collection team.
- Effective utilization and capacity building of available tools i.e... Field Collection, Timely Legal Action's & Implementation and Disposal of re-possess assets.
- Empanelment of vendors playing pivotal role in overall recovery/resolution i.e.… Collection & Enforcement Agencies, Real Estate Advisors & Auctioneers.
- Development of in-house platform for collection management system and marketing of stress assets.
Recovery Head for all Secured Product (Senior Manager) at DCB Bank Limited (2019-04 – 2022-06)
- To conduct root causes analysis on delinquent accounts and thereby device a strategy for timely recovery of a receivables.
- Timely & Effective Implementation of Legal tools i.e.…. SARFAESI, DRT, Sec 138, Arbitration… and its execution.
- Ensuring regular customer counselling and sensitization on legal action initiated by the organisation and there by outperforming on achievements.
- Have strategies robust methodology of exiting the account i.e.…settlements and that to with low COC.
- Maintained highest level of transparency & organisational ethics, while disposing stress asset and thereby ensuring 100% compliance & adherence to legal provisions & acts.
- Timely review mechanism and feedback sharing with the team members for their overall developments and target achievements.
- Vendor Empanelment and their performance review.
Area Manager at ICICI Bank (2007-04 – 2019-04)
- Performance Review & Strategies Collection Policy for Delinquent account.
- Team Building and Training at the Zonal Level.
- Initiation of Recovery Proceeding through Legal Filing u/s Sec 138, SARFAESI Act, DRT……
- Handling PAN India Audit for disposal process in co-ordination with Credit, Internal Audit Department, Operations and Sales & RCU....
Sr. Scientific Promotion Executive at Sanofi Pasteur (2001-07 – 2007-03)
- Initiating the marketing plans for every campaign & setting long term & short-term goals.
- Meet top KOL's to get positive recommendations for the new Vaccines.
- To enrol doctors in pre & post launch clinical study.
- To achieve a sales target in co-ordination with the channel partners.
- Launch of new product/company in newer geographical location.
- Plan various events, camp, meetings and ensure its success.
- Plan new promotional strategy in co-ordination with the product team.
Professional Sale Officer at Wyeth Lederle (2001-03 – 2001-07)
- To implement company strategy and ensure long term business generation and reputation.
- Ensuring business network and thereby maintaining the brand value of an organization.
- Looking after Client Acquisition and cross selling of different product.
Sales Officer at Gracewell, a division of Glenmark Pharmaceutical (2000-07 – 2001-02)
- Long term revenue generation through Retailers, Dr's & Distributors.
- Follow company's strategy to achieve sale target.
- For launch of a newer product, conduct zone level symposiums, camps & KOL lobby
- Developing sales & marketing strategies to build customer preference & drive volumes.
