Ajay Chauhan

Assistant General Manager – Collections & Recovery with 21+ years of progressive experience in Banking and NBFCs. Expertise in Collections, Recovery, Portfolio Management, NPA Resolution, SARFAESI proceedings, Legal Recovery, Credit Control, HPD Operations, Internal Branch Audits, Section 138 matters, Court Receiver coordination, repossession, skip tracing, settlement negotiation, agency management and team leadership. Proven ability to improve recovery performance, lead teams, ensure compliance and deliver result-oriented decisions.

Assistant General Manager – Collections & Recovery at AAA Capital Services Pvt. Ltd. (2026-06 – Present)

• Lead collection and recovery operations.
• Drive portfolio performance and NPA reduction.
• Oversee SARFAESI/legal recovery, settlements, agencies and compliance.
• Coordinated with DM/CMM offices, advocates, police authorities and court-appointed receivers for possession proceedings, legal recovery and enforcement under the SARFAESI Act.
• Managed symbolic & physical possession, repossession, auction/sale of secured assets, settlement negotiations and regulatory compliance for NPA recovery.

Co-Owner & Business Head at Blue Heights Restaurant & Bar (2014-10 – 2022-03)

• Managed complete business operations, P&L, procurement and teams.

Location Manager – Collections & Recovery at Fullerton India Credit Company Limited (2007-08 – 2014-09)

Attended structured training programs on collections management, portfolio monitoring, delinquency control, recovery strategies, customer handling, compliance, and operational processes.

• Managed retail recovery portfolio, agencies and audits.
• Handled repossession, legal recovery and write-off accounts.
• Conducted monthly/quarterly internal branch audits.
• Training & Orientation – Haryana covering collections, leadership, portfolio management and compliance.

Assistant Manager at Magma Leasing Limited (2006-03 – 2007-08)

Attended induction and operational training at Corporate Office, Kolkata. Received training on retail asset finance, collection processes, customer servicing, portfolio management, recovery operations, and compliance requirements.

• Managed auto/CV recovery, legal coordination and agency management.
• Managed repossession agencies and legal recovery processes.
• Reported recovery performance directly to Regional Management.

Senior Executive at Apeejay Finance Limited (2005-08 – 2006-03)

Completed corporate orientation on retail finance, collection & recovery processes, portfolio management, operational compliance, customer relationship management and branch operations.

• Managed collection portfolio. Corporate training at Kolkata in retail finance, recovery operations and compliance.

Junior Officer – Credit Control at Bajaj Auto Finance Limited (2001-06 – 2003-07)

Professional Training / orientation 10-day Head Office - Pune.

• Worked in Credit Control & HPD. Managed hard bucket recovery, repossession, skip tracing, legal documentation and insurance recovery.
• Coordinated agencies and field recovery operations across Delhi NCR.
• Coordinated with law enforcement agencies and Head Office.

Senior Executive – Collections at Kotak Mahindra Finance Ltd. (2000-11 – 2001-03)

• Handled field collections and legal coordination.

Senior Executive – Collections at Lloyds Finance Ltd. (1996-02 – 2000-10)

• Handled auto finance recovery, legal matters and multi-location operations.
• Received appreciation from the Managing Director for outstanding performance.

Collection Associate at Standard Chartered / HSBC / Citibank (DMA)

Early Career.

• Built strong field collection and negotiation skills.
• Learnt the art of recovering money.

Bachelor of Arts in B.A.

One-Year Diploma in Apparel & Retail Merchandising (ARM) – New Delhi YMCA (2026)

Course in English Communication – Oxford Institute, Delhi (2025)