Shubham Chimade

Results-driven business strategy and operations leader with 5+ years of progressive experience spanning collections and risk strategy, city-level growth management, revenue generation, and customer/account management. Adept at translating market and portfolio data into actionable strategic plans, building financial forecasts and business cases, and driving cross-functional initiatives across collections, sales, advertising revenue, and customer operations. Demonstrated all-rounder capability managing multi-location P&L-style operations, leading teams of 200+, and partnering with senior stakeholders to align execution with long-term business objectives.

Strong track record of identifying operational bottlenecks, designing KPI frameworks, and delivering measurable, sustained performance improvement across diverse business functions.

Senior Group Tele Debt Manager - Navi Finserv

(2023-03)

• Own end-to-end strategy for an ₹830 Cr portfolio across all DPD buckets (1–30, 31–60, 61–90, and Write-off), translating risk data into a structured, phased recovery strategy that drove sustained performance gains.
• Lead cross-functional business reviews with Risk, Finance, Compliance, and external agency partners, aligning day-to-day execution with broader organizational objectives and escalating high-risk cases for swift resolution.
• Built and scaled a 200+ agent multi-location operation from the ground up — hiring, structuring reporting lines, and instituting real-time performance monitoring, coaching, and KPI frameworks that produced an industry-leading 99.57% recovery rate in the 1–30 DPD bucket.
• Diagnosed operational bottlenecks in outreach and contact strategy and redesigned calling protocols using a data-driven approach, lifting agent contactability from 60% to 68%.
• Develop cash collection forecasts and business cases for central finance, supporting provisioning decisions, AR reporting, and senior management's strategic planning cycles.
• Drive continuous process automation and standardization initiatives, and act as the strategic liaison on legal, compliance, and governance matters across the operation.
• Design and execute go-to-market style calling programs (e.g., pre-EMI reminder campaigns) and manage agency partnerships, mirroring a market-expansion and partner-management approach to portfolio growth.

City Growth Manager - Zomato

(2022-01 - 2023-02)

• Owned city-level growth strategy, driving multi-location P&L performance across sales, revenue, and operations for the market.
• Drove revenue growth through restaurant partner acquisition, ads/promotional inventory selling, and subscription upsells — functioning as an all-rounder across sales, partner management, and market operations.
• Conducted local market and competitive analysis to identify expansion opportunities, feeding insights into city-level business plans and target-setting.
• Engaged internal cross-functional teams (operations, marketing, category) and external stakeholders (restaurant partners, delivery partners) to drive process improvements and operational alignment across the city.
• Recruited, developed, and performance-managed field and support staff, cultivating a results-driven, target-oriented culture that consistently hit execution goals.

Owner / Managing Partner - Aspire Financers

(2021-05 - 2022-04)

• Founded and led an independent lending business — owning strategy, P&L, sales, collections, and recovery operations end-to-end from inception, a true all-rounder operating role across every business function.
• Built the business's growth and delinquency-management strategy from scratch, designing structured resolution frameworks that improved profitability and reduced bad debt exposure.
• Made real-time strategic and risk-based decisions on customer acquisition, credit exposure, and recovery approach in a resource-constrained, founder-led environment.

Virtual Account Manager - Swiggy

(2019-12 - 2021-07)

• Managed a portfolio of customer accounts end-to-end, resolving payment and service issues while identifying opportunities to improve account health and satisfaction.
• Partnered cross-functionally with support and operations teams to streamline resolution workflows, contributing to a stronger, more consistent customer experience.

Bachelor of Engineering - Electronics & Communication (E&C)

Diploma - Electronics & Communication (E&C)