Vishwas Joshi

Results-driven finance professional with significant experience in debt management. skilled in risk assessment, financial analysis, and strategic planning. Strong focus on team collaboration and adapting to changing needs. Reliable and outcome-oriented, with proven ability to lead projects and achieve financial goals.

Associate Manager - IDFC First Bank - Shajapur, MP INDIA

(2025-07-14 - 2026-02-17)

• Managed a ₹24 Crore recovery portfolio of NPA and flow accounts with focus on achieving 1% monthly recovery target.
• Prepared daily MIS and performance reports using advanced Excel tools (VLOOKUP, XLOOKUP, Pivot Tables, Power Pivot, DAX).
• Utilized CRM tools such as Salesforce and Smart Collect to monitor account activities and analyze trail intensity for effective recovery tracking.
• Monitored vendor KPIs, maintained records for quarterly audits, and evaluated vendor performance.
• Conducted Weekly strategic follow-ups on delinquent accounts following the structured rule of 1M–2W–3F to ensure consistent recovery progress.
• Strengthened cash inflow by improving portfolio recovery performance, increasing recovery rates from 0.4% to 1%.
• Identified fraudulent activities and reported unethical practices to ensure compliance and operational integrity.
• Used legal and litigation tools to support recovery of delinquent accounts.
• Recruited and supervised 30 Field Officers for daily collections, ensuring timely recovery, and operational efficiency, organized training sessions for staff members on effective debt management strategies.
• Collaborated with sales and customer service teams to improve communication and resolve disputes promptly.
• Built strong relationships with key stakeholders, working closely with banks, attorneys, and collection agencies to resolve outstanding debts.

Account Executive - India Post Payment Bank - Dewas, MP INDIA

(2024-11-06 - 2024-12-20)

• Gained hands-on exposure to banking operations, digital payments, and financial inclusion initiatives under India Post Payments Bank.
• Assisted in understanding customer onboarding, KYC procedures, and account management processes.
• Learned about digital banking platforms, mobile banking applications, and payment systems used by IPPB.
• Observed compliance with RBI guidelines, data security, and banking regulations.
• Developed practical knowledge of public sector banking workflows and fintech integration.
• Identified trends and assessed opportunities to improve processes and execution

Master of Business Administration - Finance and Marketing - Acropolis Faculty of Management and Research Indore (2025)

Bachelor of Commerce (Hons) - School of Studies in Commerce, Vikram University Ujjain (2023)