Thakur Niraj Rathur

Dynamic Collections and Sales Manager with over 15 years of experience in banking, NBFC, and consumer finance environments, thriving under high-pressure targets and leading cross-functional teams. Proven track record of driving collections performance, minimizing delinquency, and building high-retention, high-performing teams. Skilled in leveraging technology and data-driven processes to consistently meet and exceed revenue and portfolio quality goals.

Sales and Collection Manager - Ev Finserv - Hardoi

(2025-03 - 2025-11)

• Led sales and collections operations, aligning team targets with company revenue goals.
• Implemented structured follow-up processes that improved on-time collection rates.
• Coached and mentored front-line staff to strengthen customer engagement and retention.

Sales and Collection Manager - WheelsEMI - Hardoi

(2019-06 - 2023-12)

• Managed a team responsible for sales and collections across the Hardoi region, consistently meeting revenue targets.
• Reduced portfolio delinquency through proactive account monitoring and structured recovery plans.
• Built and retained a high-performing team through targeted training and performance management.

Credit Manager - Shriram City Union Finance Limited - Hardoi

(2015-08 - 2019-06)

• Evaluated loan applications and credit risk to support sound lending decisions.
• Partnered with sales teams to balance portfolio growth with credit quality standards.
• Monitored account performance and implemented early-warning measures to control defaults.

Executive - I.C.I.C.I Bank - Hardoi

(2010-04 - 2015-08)

• Supported day-to-day banking operations, customer service, and account management.
• Built foundational expertise in banking processes, compliance, and client relations.

MBA - Marketing and Sales - Deemed University, Allahabad (2011)

Bachelor of Arts - Education and Sociology - Kanpur University

Diploma - Computer Application - I.C.E, Hardoi

Master Diploma - Computer Hardware and Software - I.I.I.T, Lucknow