managing salaried personal loans and credit card, against cases, arbitration etc..

takes care of Gujarat and Rajasthan for unsecured products.. BUSINESS LOANS AND CREDIT CARDS..addition to against cases of both product

Prior to July 2011, collection from write-off customers and legal proceedings of entire pool was the primery activityPost July 2011, providing legal supports to unsecure loans, collections and reducing cost of collection by generating revenues from matured accounts, by way of penal- Possessing board resolution for entire Gujarat, can filed any legal proceedings in any court, on behalf of Kotak Mahindra Bank- Familiar with the process of warrant execution, cross-examination, Arbitration, Section 9, Execution petition filing, Setting with belief and local police station etc- DRT filing, Winding up petition, filing u/s 156(3), filing under 402 and 406 etc- Familiar with legal tactics which helps in resolving NPA Cases

Functional Area: Skip Tracing; Rs 8.85L collected towards skip portfolioApart from Skip, Bucket 2 (60+) cases handled for the month of January '09From February '09, looking after NPA F (180 DPD) casesFrom February '10, NPA added alongwith NPA FFrom September, 2010, NPA & NPA F pool of Retail segement is also taken care by me- Possessing authority for legal filing of deliquent cases, under N.I. Act 138

Profile:Functional Area: Skip Tracing; Rs 8.85L collected towards skip portfolioApart from Skip, Bucket 2 (60+) cases handled for the month of January '09From February '09, looking after Pot II F (180+) cases

Profile:Functional Area: Credit Decision of the case between Rs 25K to 500K Job function Includes credit decision and credit rejection based on eligibility criteria and based on policy. Also successfully worked on SKIP portfolio (180 days+)

Job Profile:Looking after verification process of various credit card companies such as ICICI, SBI Cr Card, ABN AMRO Cr Card, HSBC Credit card and HSBC Small size personal loan.My job includes conducting verification, smooth operation of field as well as data entry and tele-calling, decision making based on verified applicants, preparation of various type of MIS, keeping watchful eye in day to day happening in the market, intentional fraud finding etcHandling the team of 70 people (including field executives, tele callers, data entry operators, supervisors and 3 managers)Performing internal audit with various check-points to ensure quality. Also worked for soft collection of closed card portfolio of HSBC Cr Card, and temporary disconnection of IDEA Cellular (3 different bill cycle), for more then 2.5 years, under the same roof.Analytical skill developments training regarding credit reviews generated by credit authorities of respective banks and NBFCs like decision making for make the case positive or negative.