Kumar Chandra Email & Phone Number

Patna, Bihar, India

Ahmedabad, Gujarat, India

PROFILE SUMMARY• Experienced in Collection Operations while managing the payment collection procedure through regular communication with clients and operations team• Expertise in explaining clients about the collection process, method of making the payment and effect of payment default on credit history to convince them for timely payments• Proficient in defining the risk management framework for the department and ensured that the highest level of quality was… Show more PROFILE SUMMARY• Experienced in Collection Operations while managing the payment collection procedure through regular communication with clients and operations team• Expertise in explaining clients about the collection process, method of making the payment and effect of payment default on credit history to convince them for timely payments• Proficient in defining the risk management framework for the department and ensured that the highest level of quality was maintained• Strategic planner in developing various policies for collection & recovery from clients by advising them with different payment methods• Effective leader with motivational skills to sustain growth momentum while motivating peak individual performancesCORE COMPETENCIES Strategy PlanningClient CoordinationOverdue CollectionsRisk ManagementCross-functional coordination Key Result Areas:• Maintaining strong record of contributions in Portfolio Management that invigorated businesses, heightened productivity & enhanced internal controls• Liaising and following-up with customers & sales teams for collecting overdue / long outstanding accounts• Preparing and maintaining of requisite documentation for compliance with regulatory requirements• Monitoring branch operations to ensure functioning of all functional & operational areas• Administering the portfolio repayment status on a monthly basis along with detailed collections analysis• Developing & implementing risk policies; managing wide risk with effective mechanisms to mitigate the same• Supervising the team, managing high value fraud cases, defaulters & insolvent clients; initiating appropriate legal actions against them• Generating & submitting feedback related MIS reports to higher management on business operations like collection, credit control & profitability• Working in close coordination with clients to help them understand about collection procedures, benefits and other bank products/services Show less

Vadodara, Gujarat, India

Non Rural Consumer Durables(Personal Loan,Salaried Loan,Business Loan and Morgatdge Loan)PROFILE SUMMARY-• Experienced in Collection Operations while managing the payment collection procedure through regular communication with clients and operations team• Expertise in explaining clients about the collection process, method of making the payment and effect of payment default on credit history to convince them for timely payments• Proficient in defining the risk management… Show more Non Rural Consumer Durables(Personal Loan,Salaried Loan,Business Loan and Morgatdge Loan)PROFILE SUMMARY-• Experienced in Collection Operations while managing the payment collection procedure through regular communication with clients and operations team• Expertise in explaining clients about the collection process, method of making the payment and effect of payment default on credit history to convince them for timely payments• Proficient in defining the risk management framework for the department and ensured that the highest level of quality was maintained• Strategic planner in developing various policies for collection & recovery from clients by advising them with different payment methods• Effective leader with motivational skills to sustain growth momentum while motivating peak individual performances• Achieved receivables collection efficiency of above 99% in fresh bucket Key Result Areas:• Maintaining strong record of contributions in Mortgages, Asset Operations and Portfolio Management that invigorated businesses, heightened productivity & enhanced internal controls• Liaising and following-up with customers & sales teams for collecting overdue / long outstanding accounts• Preparing and maintaining of requisite documentation for compliance with regulatory requirements• Administering the portfolio repayment status on a monthly basis along with detailed collections • Developing & implementing risk policies; managing wide risk with effective mechanisms to mitigate the same• Supervising the team, managing high value fraud cases, defaulters & insolvent clients; initiating appropriate legal actions against them• Generating & submitting feedback related MIS reports to higher management on business operations like billing, collection, credit control & profitability• Working in close coordination with clients to help them understand about collection procedures, benefits and other bank products/services Show less

Palanpur Area, India

Responsible for Branch Business(Sales,Operation,Credit and Collection)PROFILE SUMMARY-• Proficient in defining the risk management framework for the department and ensured that the highest level of quality are maintained• Effective leader with motivational skills to sustain growth momentum while motivating peak individual performancesCORE COMPETENCIES Strategy PlanningClient CoordinationOverdue CollectionsBranch OperationsRisk… Show more Responsible for Branch Business(Sales,Operation,Credit and Collection)PROFILE SUMMARY-• Proficient in defining the risk management framework for the department and ensured that the highest level of quality are maintained• Effective leader with motivational skills to sustain growth momentum while motivating peak individual performancesCORE COMPETENCIES Strategy PlanningClient CoordinationOverdue CollectionsBranch OperationsRisk ManagementKey Result Areas:• Maintaining strong record of contributions in Mortgages, Asset Operations and Portfolio Management that invigorated businesses, heightened productivity & enhanced internal controls• Leading proper activation of loan accounts as per approved terms, timely disbursements and proper execution of all transactions & operational risks in transaction processing• Performing portfolio management for loans & mortgages• Liaising and following-up with customers & sales teams for collecting overdue / long outstanding accounts• Preparing and maintaining of requisite documentation for compliance with regulatory requirements• Reporting the revenue and clientele progress to upper management on periodic basis• Monitoring branch operations to ensure functioning of all functional & operational areas• Administering the portfolio repayment status on a monthly basis along with detailed collections analysis• Developing & implementing risk policies; managing wide risk with effective mechanisms to mitigate the same• Supervising the team, managing high value fraud cases, defaulters & insolvent clients; initiating appropriate legal actions against them• Generating & submitting feedback related MIS reports to higher management on business operations like billing, collection, credit control & profitability• Working in close coordination with clients to help them understand about collection procedures, benefits and other bank products/services Show less

Delhi

Write off Portfolio,Debt Management for Delhi and NCRPROFILE SUMMARY• Experienced in Collection Operations while managing the payment collection procedure through regular communication with clients and operations team• Expertise in explaining clients about the collection process, method of making the payment and effect of payment default on credit history to convince them for timely payments• Proficient in defining the risk management framework for the department and… Show more Write off Portfolio,Debt Management for Delhi and NCRPROFILE SUMMARY• Experienced in Collection Operations while managing the payment collection procedure through regular communication with clients and operations team• Expertise in explaining clients about the collection process, method of making the payment and effect of payment default on credit history to convince them for timely payments• Proficient in defining the risk management framework for the department and ensured that the highest level of quality was maintained• Strategic planner in developing various policies for collection & recovery from clients Key Result Areas:• Maintaining strong record of contributions in Mortgages, Asset Operations and Portfolio Management that invigorated businesses, heightened productivity & enhanced internal controls• Leading proper activation of loan accounts as per approved terms, timely disbursements and proper execution of all transactions & operational risks in transaction processing• Performing portfolio management for loans & mortgages• Liaising and following-up with customers & sales teams for collecting overdue / long outstanding accounts• Preparing and maintaining of requisite documentation for compliance with regulatory requirements• Reporting the revenue and clientele progress to upper management on periodic basis• Developing & implementing risk policies; managing wide risk with effective mechanisms to mitigate the same• Supervising the team, managing high value fraud cases, defaulters & insolvent clients; initiating appropriate legal actions against them• Generating & submitting feedback related MIS reports to higher management on business operations like billing, collection, credit control & profitability• Working in close coordination with clients to help them understand about collection procedures, benefits and other bank products/services Show less

Punjab

South And Central Gujarat

PROFILE SUMMARY• A result-oriented professional with over 13 years of experience in Banking Operations, Risk Management, Collection Operations & Team Management• Currently working with Bajaj Finserv, Dahod, Gujarat as Area Collection Manager• Experienced in Collection Operations while managing the payment collection procedure through regular communication with clients and operations team• Expertise in explaining clients about the collection process, method of making the… Show more PROFILE SUMMARY• A result-oriented professional with over 13 years of experience in Banking Operations, Risk Management, Collection Operations & Team Management• Currently working with Bajaj Finserv, Dahod, Gujarat as Area Collection Manager• Experienced in Collection Operations while managing the payment collection procedure through regular communication with clients and operations team• Expertise in explaining clients about the collection process, method of making the payment and effect of payment default on credit history to convince them for NOTABLE ACCOMPLISHMENT ACROSS THE CAREER • Achieved Silver Star certificate in Jul’11 for best performance across west region• Successfully managed the HDFC Credit Card portfolio for South Gujarat & Central Gujarat with total ENR amount of INR 250 crores through minimizing delinquency• Received Best Delinquency (West) in Jul’11 for Surat and Baroda for minimizing 30+ delinquency• Planned, completed and led risk based audits for all Surat and Baroda region support and operational departmentsGrowth Path / DeputationFeb’05 to Jul’12 Sr. Manager – Credit Cards Portfolio (Flows Collection Only) for South Gujarat & Central GujaratKey Result Areas:• Liaising and following-up with customers & sales teams for collecting overdue / long outstanding accounts• Preparing and maintaining of requisite documentation for compliance with regulatory requirements• Reporting the revenue and clientele progress to upper management on periodic basis• Supervising the team, managing high value fraud cases, defaulters & insolvent clients; initiating appropriate legal actions against them• Generating & submitting feedback related MIS reports to higher management on business operations like billing, collection, credit control & profitability• Working in close coordination with clients to help them understand about collection procedures, benefits and other bank products/services Show less

Surat, Gujarat, India

Profile Summary• Proficient in defining the risk management framework for the department and ensured that the highest level of quality was maintained• Strategic planner in developing various policies for collection & recovery from clients by advising them with different payment methods• Effective leader with motivational skills to sustain growth momentum while motivating peak individual performancesKey Result Areas-• Managing tasks related to documentation, scrutiny… Show more Profile Summary• Proficient in defining the risk management framework for the department and ensured that the highest level of quality was maintained• Strategic planner in developing various policies for collection & recovery from clients by advising them with different payment methods• Effective leader with motivational skills to sustain growth momentum while motivating peak individual performancesKey Result Areas-• Managing tasks related to documentation, scrutiny, rating and approval of credit card applications• Conducting training to merchants in proper usage of EDC terminals and precautions to implement for avoidance of fraud/ misuse of credit cards• Developing & implementing risk policies; managing wide risk with effective mechanisms to mitigate the same• Supervising the team, managing high value fraud cases, defaulters & insolvent clients; initiating appropriate legal actions against them• Generating & submitting feedback related MIS reports to higher management on business operations like billing, collection, credit control & profitability• Working in close coordination with clients to help them understand about collection procedures, benefits and other bank products/services Show less

Epgbm, General Management, Good

Bachelor Of Arts - Ba, Economics, 60.50 %