Collekto is a fintech company specializing in retail debt collections. It provides tech empowered, customized collection management services to banks and financial institutions.Process & PolicyDeveloped and implemented policies and processes for retail debt collections, catering to diverse clients in fintech, banking and financial services sectors. Complete understanding of clients’ expectations on bucket wise performance delivery, feedback process, reporting structure and MIS reporting mechanisms. Identifying key stakeholders in onboarding and service delivery stages. Define client engagement, onboarding and performance delivery stages. Identification of gap areas and setting processes at the inception stage itself to mitigate damage. Determination of key mix of people on the delivery side depending on allocation size, buckets ageing and expected efficiencies. Quality & TrainingAssessment of quality of telecallers based on their skills – preparedness, approachable tone, collections pitch, procedural knowledge, relevance of questions, probing, expectation setting, negotiations, objection handling and strong closing. Assessment of quality of telecallers based on compliance – RPC, sharing O/S balances, third party disclosures, unprofessionalism and misrepresentation. Comprehensive on - boarding training of new recruits related to clients, products, dialer, CRM and internal processes. Refresher training programs of all telecallers based on their deficiencies to re-emphasize skills and compliance parameters.

Spearheaded sales of residential apartments of Vedant Construction’s project at Kalwa. Engagement with prospective customers regarding project highlights, available finance options and payment schedules right through giving physical possessions of their apartments.

Core Responsibilities Lead and management of Business Assurance, Subscription Assurance & Fraud Control functions. Development of control framework to identify revenue leakage areas in customer lifecycle and build processes to mitigate risks. Business Assurance FunctionConfiguration checks of postpaid and prepaid systems to validate completeness and accuracy of tariff plans, schemes, recharges, promotions and benefits. Validations of erecharge and paper recharge configurations, tariffs and plans configurations, prepaid IN system configurations, analysis of monetary transactions, adjustments and configurations of campaigns and promotions.Rate plan validations, validations of special plans to eligible employees / channel, AV CV validations, analysis of waivers and adjustments, analysis of prepaid to postpaid migrations, analysis of dunning exceptions, delayed terminations, configurations of toll free numbers and sample bills verification post billing cycles. Subscription Assurance FunctionReconciliations of customer profiles across network elements, provisioning and billing systems vis-à-vis their configurations, service levels and VAS. Fraud Control FunctionFraud Control activities cover detection of cloning incidences, duplicate accounts, abnormally high usages, waivers and adjustments, incorrect payments and fraudulent credit card payments.

Core Responsibilities Formulation and roll – out of Credit Control, Risk Management and Fraud Control policies and processes for postpaid customers. Lead and management of teams handling process to detect and control postpaid revenue leakages and bad debts. Key deliverables were monitoring of customers’ usages, De Dupp and address verification process.

Core ResponsibilitiesCredit evaluation of financial documents submitted by prospective car finance customers. Approvals and disbursements of car finance loans. Processing refunds for pre–payments and full closures of car loans.