PROFESSIONAL SYNOPSIS• Competent and result oriented professional offering around 17 years of experience in Collections, Debt Management, Client Relationship Management, MIS and Team Management in different products including both Secured and Unsecured.° Currently working with Cholamandalam as a Zonal Manager looking after Portfolio of LAP for West Zone.• Former Zonal Manager with Bajaj Finserv Limited and was looking after a portfolio of X and bucket 1 for WEST Zone for Business Loans product. • Expertise in managing collection operations and implementing strategies towards enhancing business volumes and growth as well as analyzing & assessing revenue potential in new business opportunities.• Proven expertise in handling hard-core defaulters and arranging recoveries applying persuasive, assertive, seizure and legal recourses. Expertise in managing collection operations across large customer bases along with demonstrated team management skills, operational innovation capabilities, and domain knowledge in collections policy formulation.• Analyzing the portfolio to enhance its quality and reduce future risk to business by updating regular feedbacks on skip & fraud cases.• Overseeing the allocation of cases, capacity planning, ensuring regular field visits, curtailing flow rates.• Continuously achieved designated collection targets & reduced delinquency cases by increasing operational efficiency. Strong analytical, business networking and financial management skills with aptitude for quickly scrutinizing environments to identify and prioritize needs/ risks and develop appropriate solutions.• Energetic, competitive achiever who can successfully manage multiple priorities, and perform under pressure in a fast-paced, rapidly changing environment.