Vinesh Swamy

An innovative, multifaceted, and solutions-focused Financial Executive with a 3+ year career demonstrating visionary leadership and outstanding performance in Debt collections and management. A dept at setting up new collection programs. Specialized at Consumer and unsecured loan products. Highly developed qualifications in personnel development, relationship management. Strong problem solving ability Courteous demeanor Service solutions expert Energetic work attitude Negotiation competency.

Collection Manager at YES BANK (2025-03 – Present)

• Managed Auto Loan Portfolio (Buckets 1–4) across Bhopal, Jabalpur, and Gwalior (till jan 31, 2026), focusing on early-stage delinquency and collections.
• Promoted to handle X Bucket (High-Risk Portfolio) from Feb 1, 2026, taking ownership of advanced delinquency and recovery operations.
• Currently leading State-Level Portfolio Management from Indore, overseeing loan performance and collections across entire Madhya Pradesh region.
• Designed and implemented effective recovery strategies, reducing delinquency and improving collection efficiency.
• Monitored loan performance, repayment behavior, and collection trends to control NPAs.
• Collaborated with cross-functional teams, in-house collection units, and external agencies to ensure timely recovery of overdue accounts.
• Managed multi-product loan portfolio with end-to-end tracking, reporting, and performance analysis.
• Ensured strict adherence to banking regulations, compliance policies, and audit requirements.

Collection Manager at Bharat Financial Inclusion Ltd. (2024-07 – 2025-03)

• Managing Delinquent Portfolio Of Business Loan For over all urban & Rural Branches for MP Location.
• Handling 30 To 60 & 61 TO 90 NPA Dpd cases
• Handling Business Loan Portfolio Of 8 Crores For 1800 Delinquent accounts
• Closely Monitoring The Repayment For The loans By customers Overseeing The Npa Function of the NBFC By implementing a Suitable Business Loan Recovery process for minimizing the incidence Of bad debts
• Delinquency management of 1 NBFC branch network in the zone assessed current process services and recommend process improvement to maximize customer satisfaction handling waivers/settlement for Business Loan.
• Handling to in house team and collection agency.
• Allocation of portfolio to vendor basis the past performance trends and Fos and agency availability.

Assistant Manager at AXIS Bank (2024-02 – 2024-07)

• Managing Delinquent Portfolio Of Credit Card For over all urban & Rural Branches for MP Location.
• Handling 30 To 90 To NPA Dpd cases
• Handling Cards Portfolio Of 3 Crores For 1500 Delinquent accounts
• Closely Monitoring The Repayment For The loans By customers Overseeing The Npa Function of the bank By implementing a Suitable Credit card Recovery process for minimizing the incidence Of bad debts
• Delinquency management of 1 AXIS Bank branch network in the zone assessed current process services and recommend process improvement to maximize customer satisfaction handling waivers/settlement for Credit cards.
• Handling to collection agency
• Allocation of portfolio to vendor basis the past performance trends and Fos and agency availability.

Assistant Manager at Kotak Mahindra Bank (2023-04 – 2024-02)

• Managing Delinquent Portfolio Of Credit Card For 1 Branch Mp
• Handling 30 To 90 To NPA Dpd cases
• Handling Cards Portfolio Of 3 Crores For 1500 Delinquent accounts
• Closely Monitoring The Repayment For The loans By customers Overseeing The Npa Function of the bank By implementing a Suitable Credit card Recovery process for minimizing the incidence Of bad debts
• Delinquency management of 1 Kotak Mahindra bank branch network in the zone assessed current process services and recommend process improvement to maximize customer satisfaction handling waivers/settlement for Credit cards.

Assistant Manager at BAJAJ FINANCE LTD (2020-11 – 2023-04)

• Responsible for 30- DPD Collections in personal loans across Jabalpur & spokes locations.
• Debt management service work roll team and agency management.
• Daily maintaining DRR and Mile stone target achievement.
• Finn- One daily login cash collection Report.
• Providing technical support to team members. & Agency.
• Managing and monitoring the delinquent portfolio of PL Bucket 1.
• Dealing with in-house collection executive and Collection agency.
• Vendor auditing and monthly performance review of multiple portfolio management of collection process
• Supervised the working of call center representatives for collection objectives and provided cross-training programs to increase the efficiency of the collection process
• Monitoring attrition rate, process the new ID cards and guide them to complete the DRA training
• Checked and clear the vendor payout bills every month based on portfolio payout structure
• Send out past due notices for delinquent accounts or form issued settlement payments
• Investigate and resolve complaints regarding incorrect debt collection attempts
• Report address changes and maintain files regarding debtors for correct and current contact information
• Monitors call reports to make sure collectors are making enough phone contacts each day.
• Identifies areas of the collection process that need improvement and implements an enhanced process that will help collectors be more effective
• Maintaining dashboard on daily collection and report to senior management team.
• Allocation of portfolio to vendor basis the past performance trends and Fos and agency availability.

Service provider of ICICI Bank at Nitel Enterprises (2018-11 – 2020-10)

• Team handling of ICICI Bank Credit card portfolio of bucket 1 with 4 team members.
• Reach out to customers with unpaid debt and attempt to collect from them.
• Collect payments and post to accounts.
• Keep tracking of delinquent accounts
• Make personal visits if necessary to collect debts
• Advise customers of default consequences and debt repayment policies
• Delete old accounts and clean up files
• Attempt to repossess merchandise if client has not paid debt
• Negotiate credit extensions.
• Compile reports on delinquent account for management
• Report past due accounts to credit bureaus
• Prepare statements sheet for settlement cases.
• Disconnect services if account remains unpaid
• Checked and clear the vendor payout bills every month based on portfolio payout structure
• Send out past due notices for delinquent accounts or form issued settlement payments
• Investigate and resolve complaints regarding incorrect debt collection attempts
• Report address changes and maintain files regarding debtors for correct and current contact information
• Monitors call reports to make sure collectors are making enough phone contacts each day.
• Identifies areas of the collection process that need improvement and implements an enhanced process that will help collectors be more effective
• Maintaining dashboard on daily collection and report to senior management team.
• Allocation of portfolio to vendor basis the past performance trends and Fos and agency availability.

B Com in Commerce – Rani Durgawati University (2018 – 2018)

H.Sc – S.H Higher Secondary School (2015 – 2015)

SSLC – S.H Higher Secondary School (2013 – 2013)