Job Responsibilities:• Responsible for collections of high ticket personal loans, setting up of collection mechanism / Policy in a new organization & appointment of collections staff; set up an effective MIS system including Field MIS, payment MIS, Delinquent MIS for top management for entire rest of Maharastra.• Handling pool of 30 crores with more than 1400 accounts.• Managing a team of 5 direct reportees to ensure highest productivity of each team member and reduce costing.• Manage the bad debt numbers within the budgeted levels while adhering to the laid down processes.• Ensure all legal tolls are effectively initiated and result into good support to field efforts.Achievement Milestones:• All time high numbers in GCL bucket for the location and consistently ranking No.1 pan India.• Doing best no.s on pan India level for X bucket.• Successful development of dedicated skip tracing set up and is performing best in pan India.• Maintaining No.1 audit rating across West region.

Job Responsibilities:• Responsible for collections personal loans and mortgage business, setting up of collection mechanism/Policy in a new organization & appointment of collections staff; set up an effective MIS system including Field MIS, payment MIS, Delinquent MIS for top management for entire rest of Maharastra (except Mumbai)• Manage the bad debt thru collection efforts & thru legal tools - securitization laws. • To ensure the functioning and constant development of the collections teams & follow up on legal matter rhu the legal team in order to maximize the benefit from field & legal efforts.• To ensure that the collections activity is carried out within the accepted norms and all service queries are adequately managed • Manage Collections teams in order to maximize staff productivity, reduce staff turnover. • Work closely with the legal representatives to execute SARFAESI on accounts as per policy.Achievement Milestones:• 100% fresh Bounce collections in mortgages fresh bounce maintaining 0%flow till date.• PL fresh forward flows have been maintained at average rate of15% • reduction of at least 20%in 30+pool• The GCL flows have come to the lowest in two years at 40% • Highlighted various potential risk segments to business thus influencing the sourcing policies leading to an improvement to the sourcing quality of Pl business.• Won second place Pan India Halla Bol contest and was awarded Bangkok Pattaya trip and cash prize of Rs.40000/- for being runner up Best ACM for months of January to March 2008.

Job Responsibilities: • Taking care of recoveries for Personal loans. Auto Loans and Consumer loans for Pune location.• Empanelment and development of recovery agencies.• Process and policy compliance.• Legal tools for recovery such as conciliation, arbitration.• Handling repossession activity for Auto and Consumer loans.Achievement Milestones:• Consistently achieved liquidation rate of 1% for Personal loan recoveries and 3% for Auto Loans.• Highest level rating in all audits.• Successfully developed new agency setups for recoveries.• Successful conduct of conciliation camps resulting in lump sum recoveries by mutual agreement

Job Responsibilities • Co-coordinating with bank officials on Targets and Performance Issues.• Team management• Making daily MIS to track performance and target achievement.• Ensuring compliance for Annual Audit.• Business development for the agency.• Handling a portfolio for three Banks (Standard Chartered, ABN-Amro and Amex).• Ensuring Customer follow up on chronic cases.Achievement Milestones:• Achieved a two -year best recovery number for IDEA Cellular.• Achieved 100% resolution for AMEX on Charge-off bucket.• The best ever 120-dpd number achieved 9 times for Standard Chartered for the year 2004.