Responsible for managing the entire portfolio which includes Retail SME and Wholesale receivable, for Reliance Commercial Finance

Managing retail book and collection strategy at a Pan India level ,for Reliance Commercial Finance -A Reliance Capital Company

Managing credit risk& collections, for wholesale carrier business at a Pan India levelResponsible for facilitating &being a catalyst of revenue growth through proper balance of credit risk and revenue. Developing &implementation of credit & collection strategy for wholesale business.Implementaion of national credit policy, monitoring and control of credit risk exposure. Managing overall bad debt provisioning for the business. Driving customer first agenda delivering on process improvement &… Show more Managing credit risk& collections, for wholesale carrier business at a Pan India levelResponsible for facilitating &being a catalyst of revenue growth through proper balance of credit risk and revenue. Developing &implementation of credit & collection strategy for wholesale business.Implementaion of national credit policy, monitoring and control of credit risk exposure. Managing overall bad debt provisioning for the business. Driving customer first agenda delivering on process improvement & service level excellence. Show less

Was heading credit, collections, billing, back office operation, quality for Mumbai, the largest post-paid circle in Vodafone. Responsible for managing debtor’s outstanding collections, bad debt for mobility & enterprise business. Developing effective credit and collection strategy for circle business. Ensuring proper onboarding process to support revenue growth. Managing credit risk, through optimal credit status and limit assignment. Customer retention and churn management. Implementation of… Show more Was heading credit, collections, billing, back office operation, quality for Mumbai, the largest post-paid circle in Vodafone. Responsible for managing debtor’s outstanding collections, bad debt for mobility & enterprise business. Developing effective credit and collection strategy for circle business. Ensuring proper onboarding process to support revenue growth. Managing credit risk, through optimal credit status and limit assignment. Customer retention and churn management. Implementation of fraud management tools to prevent revenue loss. Responsible for billing back office operations. Focusing on process improvement, productivity and cost control. Was the first to introduce CIBIL score, for rating & assignment of credit limit, for telecom customer. Initiated paper less verification process resulting in speed to market. Show less

Was a part of value centre secured risk responsible for Mortgages and SME banking collections comprising of Mumbai, Pune, Ahmedabad, Baroda, Surat Bhopal & Nagpur region.Was responsible for delivering business performance in terms of monitoring and controlling delinquency and credit losses for the bank. Evaluation of existing collection processes and making changes based of business and risk requirement. Ensuring effective risk management i.e.-raising management standards and controls by… Show more Was a part of value centre secured risk responsible for Mortgages and SME banking collections comprising of Mumbai, Pune, Ahmedabad, Baroda, Surat Bhopal & Nagpur region.Was responsible for delivering business performance in terms of monitoring and controlling delinquency and credit losses for the bank. Evaluation of existing collection processes and making changes based of business and risk requirement. Ensuring effective risk management i.e.-raising management standards and controls by ensuring standardization of local audit/QA processes across cities. Exited 2005 with zero provisioning for mortgages west with a 0.45% delinquency Show less

Was heading Auto and Mortgages collection for Eastern India comprising of Kolkata, Bhubaneswar, Cuttack Jamshedpur and Guwahati.Responsible for maintaining portfolio quality within budgeted parameter and delivering NCL numbers as per banks guideline.Ensuring high quality of collection and adhering to processes and guide line as specified by the bank.Meeting collection expenses and focusing on productivity and efficiencyGiving feedback to risk regarding portfolio quality and underwriting… Show more Was heading Auto and Mortgages collection for Eastern India comprising of Kolkata, Bhubaneswar, Cuttack Jamshedpur and Guwahati.Responsible for maintaining portfolio quality within budgeted parameter and delivering NCL numbers as per banks guideline.Ensuring high quality of collection and adhering to processes and guide line as specified by the bank.Meeting collection expenses and focusing on productivity and efficiencyGiving feedback to risk regarding portfolio quality and underwriting standards, identifying credit control deficiencies and recommending process improvement. Exited with negative NCL for Auto and Mortgage business east, year 2004 Show less

Was responsible for six locations, i.e. Kolkata, Cuttack, Bhubaneswar, Jamshedpur, Raipur and Bhillai, handling all products of Global Consumer Finance, which included Auto, Two wheeler, and Sales Finance Personal loans. Set up entire the collection mechanism, including processes systems creating dash boards to control and monitor delinquency for eastern zone. Delivering on collection, provisioning target for the region. Recruitment and appointment of collection vendors and distribution… Show more Was responsible for six locations, i.e. Kolkata, Cuttack, Bhubaneswar, Jamshedpur, Raipur and Bhillai, handling all products of Global Consumer Finance, which included Auto, Two wheeler, and Sales Finance Personal loans. Set up entire the collection mechanism, including processes systems creating dash boards to control and monitor delinquency for eastern zone. Delivering on collection, provisioning target for the region. Recruitment and appointment of collection vendors and distribution network. Ensuring audit, compliance, due diligence.Role included Portfolio sell off and securitization of assets Show less

Process owner for auto loan business responsible for annual revenue and P/L targetsSetting up of distribution and DSA network for Auto loan businessBusiness development, channel management and handling manufacturer relationshipIdentifying and developing new markets Launching of new products –Personal Loans

Handling of corporate account for commercial and CE business Handling of legal matters and filing of legal cases for non-performing assetDisposition of repossessed stock

Handling of commercial vehicle and construction equipment business Managing manufacturer relationshipMonitoring and review of existing portfolio qualityBranch management

Responsible for handling Auto loans for retails and corporate business DelhiDeveloping dealer, distributor network for retail businessTraining and recruitment of DSA & DSA staffIdentifying and developing new territory and providing market analysis Credit underwriting Loan structuring and developing new productsMonitoring and review of business portfolioManaging new relationship and cross selling

Marketing of Citi mobile Auto loans Marketing and cross selling of reward unsecured loans to existing loan holdersDirect selling of auto loans to new customer at dealer pointManaging existing corporate accounts