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.
