Raman Deep Singh Email and Phone Number

• Managing secured collections for PAN India for product LAP/LAP SME/MICRO LAP• Managing team size of 70 Company payroll employees, along with effective hiring for new products. • Responsible and managing the delinquent portfolio and reporting of numbers to Top management to ensure the NCL numbers and profit for the organization.• Coordination with Business, Risk, Technical team w.r.t portfolio health and time to corrective actions • Coordination with operation and finance team w.r.t certain processes, provisioning norms, budgeting and cost management • Managing legal team for effective collections for Initiating timely legal actions such as SARFAESI, DRT, NIA 138, Police complaints, 156/3, with concerned legal team• End to end sound knowledge of all Legal proceedings i.e SARFAESI, NIA 138, Arbitration etc proceedings to review the legal and collection team effectively• Coordination with RCU team for any fraud reporting and immediate corrective actions• Sound knowledge of various Banking products, Retail, Business Banking and Corporate banking products like CC, BG, LC, PSFC, Bill Discounting etc.• Legal is the back bone of collections hence effective management of legal is the main need to manage collection. Managing Legal collections together with legal team.• Passed LAW in 2017 with proficient knowledge of entire legal including SARFAESI and all other proceedings with practical experience which really helping to meet the goals.

• Responsible for managing collections for the North India for Business Banking portfolio (SME). • Sound knowledge of Business banking and Corporate banking products like CC, BG, LC, PSFC, Bill Discounting etc. Carrying complete and sound knowledge of all above products w.r.t resolution of the account by implementing best strategy from all angles including legal or any other strategy in the interest of organization to save the account. • Responsible and managing the delinquent portfolio from 30 DPD and above, NPA book, all adversely labeled account (high risk account). Carrying complete knowledge of RBI guidelines w.r.t declaration of account SMA1&2/NPA/Non cooperative borrowers/Write off.

Managing Collections for North-1 for Mortgage, BIL and Auto portfolio.Job Profile and Responsibilities:• Responsible and managing the collections for entire North-1 portfolio of Mort, BIL and Auto having total book size of approx. INR 1800 Cr. • Responsible and managing the delinquent portfolio from bucket X to write off of approx. 250 Cr, for North-1 (Including area Delhi and NCR) for product Mort, BIL and Auto.• Responsible for Initiating and following all legal cases such as 138, Arbitration proceedings, Sec-9, Police complaints, with concerned legal team and personal presence in court for all high ticket accounts.• Regular follow up with fraud control team on any fraud case and immediate legal action against the customer. Also regular follow up with FCU team and Police officials on any fraud declared account. • Handling in house team of 6 collectors, 1 back end, and 1 collection agency with 6 collectors.• Managing and responsible for the entire Receipt book management, Audit and compliance processes for Delhi.• Responsible for entire backroom operations like payment updations, case closures, getting required approvals.Key Achievements :-• Winner of ACE awards (Acknowledging & Celebrating Excellence) at Capital First Ltd. Award and appreciation given by CRO and HOC. • Consistent rater 5 (which is highest 1 to 5) since joining at Capital First Ltd. • Highest Recovery in one day of INR 150 Lacs and created a history in the company.• Over achievement of all the NCL targets for the year 2013-2014.• Cleared/All green in all the audits.• Successfully arrested one of the Mort fraud customer (Applicant and Co-applicants are under imprisonment from last more than 6 months).

Job Profile and Responsibilities:• Managed Collections for SME-BIL Entire write off portfolio for Delhi and NCR Region.• Responsible for following all legal cases such as 138 and DRT, with concerned legal team and initiating police complaints and regular follow up with police officials for execution of complaint. • Team Handling, 3 FTE supervisors and 1 collection agency with 8 collectors.Key Achievements :-• Awarded as a best employee of the year of SCB with consistent Rating-1through out the tenure at Standard Chartered Bank. Appreciation letter from group chief executive (Peter Sand). • Appreciation letter from head of collections for doing best recovery in the history of Bank.• Winner of WOW awards (World Of Winner Award Ceremony at SCB), award and appreciation given by Asia HR head and head of Consumer Banking.