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
