Pawan Kumar Sharma Email and Phone Number
Dynamic professional specializing in Strategic Debt Recovery Management and High-Value Fraud Prevention, leveraging Performance Monitoring and KPI Management to drive exceptional financial results and safeguard organizational assets.Seasoned leader with expertise in Legal and Regulatory Compliance and Credit Risk Analysis, adept at driving cross-functional team collaboration to ensure robust risk management and sustainable business growth.WHERE CAN I ADD VALUE • Designing and implementing comprehensive collection strategies to optimize front-end and hardcore recovery efforts, driving significant financial improvements.• Leading and mentoring diverse teams to enhance operational efficiency and exceed performance targets, fostering a culture of high achievement and accountability.• Utilizing advanced financial analysis and MIS reporting to inform strategic initiatives, enabling data-driven decision-making and superior outcomes.• Coordinating with risk units to proactively manage fraud and minimize exposure through refined processes, ensuring organizational integrity and resilience.• Building strong partnerships with clients, ensuring high satisfaction through timely issue resolution and consistent communication, which enhances loyalty and retention.KEY ACHIEVEMENTS• Developing tailored approaches for stressed asset management, including innovative restructuring and legal actions, maximizing recovery and safeguarding company assets.• Implementing impactful training programs for agencies and in-house teams, ensuring compliance with operational standards and enhancing overall service delivery.• Recognized for excellence in leadership and performance, receiving multiple national awards for outstanding contributions to debt recovery and team success.• Achieved record NPA (90 DPD) pool reduction, significantly improving financial health and operational efficiency within the organization.• Spearheaded initiatives that resulted in enhanced recovery rates, demonstrating a strong commitment to organizational growth and stability.✎ ABOUT MEResults-driven finance operations leader with exceptional analytical skills and a collaborative team player mentality, adept at driving strategic initiatives and fostering effective communication to achieve organizational goals.📧 Do reach me out at: +91 – 9828565346; Pksharma.gs@gmail.com
Smfg India Credit
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Regional HeadSmfg India Credit Sep 2022 - PresentJaipur, Rajasthan, IndiaDelinquency - X to Write-off PoolTeam – In-house & External AgencyProduct - Group Loan (SG Loan), LAP, GEL, TWPortfolio Size – 700 Cr. (5.5 Lakh Cases)• Spearheaded the recovery of a Rs. 700 Cr. portfolio encompassing 5.5 lakh accounts, employing dynamic recovery strategies to achieve exceptional Return on Recovery (RoR) and flow management.• Motivated and led a diverse team of 4 SCMs, 25 TCMs, 130 Agency Managers, and 1500 Field Officers, enhancing performance through tailored training and development initiatives.• Delivered actionable insights through in-depth collection analytics and MIS management, driving performance improvements via regular micro-level reviews.• Streamlined operations by ensuring compliance with collection processes and asset repossession policies, significantly boosting operational efficiency.• Conducted strategic visits to high-value clients and field locations, implementing effective resolution strategies while upholding rigorous performance standards.• Expertly navigated complex legal cases in collaboration with regional legal teams and external counsel, securing timely and effective resolutions.➤ Specialties: Debt Recovery Strategies, Portfolio Management, Team Leadership and Development, Collection Analytics, Operational Efficiency, Compliance Management, Asset Repossession, Performance Metrics, Client Relationship Management, Legal Case Navigation -
Zonal HeadPoonawalla Fincorp Dec 2016 - Sep 2022Jaipur, Rajasthan, IndiaDelinquency - X to 90 DPDTeam – In-house & Off-roleProduct - Car, HCV, LCV, MUV, Construction Equipment, TractorPortfolio Size – 1700 Cr. (63K Cases)• Orchestrated recovery efforts for a Rs. 1700 Cr. portfolio, expertly managing 63,000 accounts and leveraging innovative collection strategies to maximize resolution rates and reduce delinquencies.• Spearheaded the development of a high-performing team comprising 30 Territory Collection Managers, 75 Tele-callers, and 500 Field Officers, driving excellence through targeted training and strategic leadership.• Enhanced portfolio performance by implementing data-driven benchmarks and analytics, significantly improving recovery rates from delinquent accounts.• Conducted comprehensive process and performance audits across multiple branches, boosting operational efficiency and ensuring adherence to collection protocols.• Collaborated with regional legal teams to manage complex repossession activities and high-value legal cases, ensuring compliance and achieving timely resolutions.• Fostered a culture of continuous improvement by utilizing systematic reviews to enhance operational processes and elevate overall performance.➤ Specialties: Debt Recovery Operations, Portfolio Optimization, Team Development and Leadership, Data-Driven Analytics, Process Improvement, Performance Audits, Compliance Assurance, Legal Case Management, Delinquency Management, Continuous Improvement Initiatives -
Regional Receivable ManagerEquitas Small Finance Bank Oct 2014 - Nov 2016JaipurDelinquency - X to Write off poolTeam – In-house & External Agency StaffingProduct - Vehicle Finance (MHCV, HCV, LCV, MINI LCV)Portfolio Size – 250 Cr. (5K Cases)• Directed debt management and NPA recovery efforts for a high-yield vehicle finance portfolio across 25 branches, leading a team of 20 Branch Collection Managers and 100 Field Officers to optimize asset-based finance operations.• Enhanced portfolio quality by implementing targeted resolution strategies, maximizing recoveries in C to X BKT and effectively managing delinquent accounts within 1+ DPD pools.• Established robust policies and processes, ensuring rigorous performance evaluations and team training to uphold high operational standards and adherence to benchmarks.• Conducted in-depth profit and loss analyses while managing NPA pools, overseeing asset repossession and shortfall recovery to mitigate financial risks.• Collaborated with legal and operational stakeholders, including repossession agencies and advocates, to streamline processes and support revenue generation initiatives.• Championed a culture of continuous improvement through targeted training and development, driving overall team performance and operational excellence.➤ Specialties: Debt Management, NPA Recovery, Asset-Based Finance, Portfolio Quality Improvement, Performance Evaluation, Profit and Loss Analysis, Asset Repossession Management, Stakeholder Collaboration, Revenue Generation Strategies, Continuous Improvement Practices -
Senior Area Receivable ManagerCholamandalam Investment And Finance Company Limited Sep 2008 - Sep 2014Alwaro Delinquency - X to Write off poolo Team – In-house & External Agency Staffo Product - VF, PL, TW, Agri loano Portfolio Size – 1000 Cr. (35K Cases) -
Regional Recovery CoordinatorMagma Fincorp Ltd. Jul 2004 - Sep 2008Jaipur, Rajasthan, Indiao Responsibility – MIS | Allocation | Repossession management | Insurance claims | Review Presentation | CRM activity | Receipting & Banking | DSA mamagement -
Field Collections ExecutiveCholamandalam Investment And Finance Company Limited Sep 2003 - Jun 2004Jaipur, Rajasthan, Indiao Responsibility – MIS | Allocation | Repossession management | Insurance claims | Review Presentation | CRM activity | Receipting & Banking | DSA mamagement
Frequently Asked Questions about Pawan Kumar Sharma
What company does Pawan Kumar Sharma work for?
Pawan Kumar Sharma works for Smfg India Credit
What is Pawan Kumar Sharma's role at the current company?
Pawan Kumar Sharma's current role is Regional Head Flow & Recovery @ SMFG India Credit Co Ltd | Expertise in Debt Recovery Strategies, Accounts Receivables Management, Bad Debt Management, Credit Risk Assessment, Financial Analysis, Collection Strategy..
What schools did Pawan Kumar Sharma attend?
Pawan Kumar Sharma attended University Of Rajasthan, Doeacc, Agarwal Science College, Jaipur, Doeacc.
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Pawan Kumar Sharma
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