Sukhdev Kumar

Senior Collections & Recovery Professional with 18+ years of extensive experience in NBFC and financial services industry, specializing in collections operations, write-off recovery, delinquency management, and large-scale team leadership. Proven expertise in managing multi-city collection portfolios, improving recovery performance, handling high-value NPA accounts, and leading field recovery teams across Punjab. Strong background in secured and unsecured loan collections including personal loans, business loans, microfinance, two-wheeler loans, car loans, credit cards, and write-off portfolios.

State Head – Collections - VGM Consultants Pvt. Ltd. - Punjab

(2024-07 - 2026-04)

• Led Punjab collections operations across 8+ locations.
• Managed a team of 18+ Field Officers and 3 Collection Managers.
• Handled car loan recovery portfolios including 90–365 DPD and write-off accounts.
• Improved recovery efficiency through field monitoring and performance tracking.
• Coordinated with legal and operations teams for critical recovery cases.

Area Collection Manager - Indiabulls Dhani - Ludhiana and Amritsar

(2024-01 - 2024-06)

• Managed collections operations for Ludhiana and Amritsar regions.
• Led 20+ FOS and 2 Team Managers.
• Handled personal loan and business loan collection portfolios.
• Monitored bucket-wise recovery performance and team productivity.

State Head – Collections - SI Creva Services - Punjab

(2022-10 - 2023-12)

• Managed Punjab-wide microfinance collection operations.
• Supervised 30+ field staff and collection managers.
• Handled delinquent and write-off portfolio recoveries.
• Developed field recovery strategies to improve collection performance.

Team Collection Manager - TVS Credit Services Ltd.

(2020-02 - 2022-09)

• Managed two-wheeler and utility vehicle loan collections.
• Led team performance management, hiring, training, and recovery monitoring.
• Ensured target achievement across multiple collection buckets.

Team Leader – Collections - Indiabulls dhani loans

(2018-08 - 2019-12)

• Managed personal loan collection portfolios.
• Handled bucket 0–3 collections and team supervision.
• Coordinated with field teams for recovery follow-up.

Senior Field Executive – Collections - TVS Credit Services Ltd.

(2014-06 - 2018-07)

• Managed two-wheeler and utility vehicle collection portfolios.
• Handled bucket 0–6 delinquency collections.
• Maintained customer relationships and field recovery coordination.

Field Executive – Collections - Fullerton India Credit Company Ltd.

(2008-01 - 2013-12)

• Handled two-wheeler loan collections for bucket 0–6 accounts.
• Conducted field visits and customer recovery follow-ups.
• Assisted in portfolio recovery and collection target achievement.

Team Leader – Collections - S. Sood & Co.

(2006-01 - 2008-12)

• Managed credit card and housing loan collection portfolios for ICICI Bank and Axis Bank.
• Supervised recovery activities for bucket 0–6 accounts.
• Supported team operations and recovery performance management.

Graduation - Mumbai University

12th - Punjab University