• Managed flows across buckets with my team focusing on minimizing flow forward rates to higher buckets and maximizing rollbacks, normalization and money Collections for Delhi & NCR in credit cards portfolio. • Managed allocation strategy for entire North and timely allocation of delinquent accounts to all my respective channel partners. Handled customer complaints and resolved them within the desired TAT. • Handled team of twelve Agency managers taking care of the entire portfolio for buckets 3, 5 & GCL in Delhi and NCR and their recruitment • Identified and implemented strategies for building team effectiveness by promoting a spirit of cooperation between team members. • Identified and appointed collection agencies in compliance with policies and procedures of the Bank based on the current and future requirements. • Controlled vendor payments and agreements to smoothen all legal and audit formalities.• Designed and implemented strategies to ensure achievement of desired front end flow rates in the region for bucket 3, 5 & GCL. • Co-ordinated with sales and credit for feedback on sourcing and risk for suspected frauds.Achievements• Awarded for outstanding performance for the year 2010-2011-Mumbai June 2011• Achieved the Highest MRR targets Pan-India for 7 months-Dec 2011 to June 2011.• Thanks Award for outstanding performance in cards portfolio for Mar-2011.• Facilitated with thanks award for DWS pool in Bckt 3 & GCl for the month of Aug-09. • Won play the lead for the month of Aug-08 for the best ever performance in bucket 5.• Won the heroes contest for the month of Nov-07• Awarded for 3 months continuously from Oct-07 to Dec-07 under Babbar Sher contest.• Doubled the normalization rate within three months of time.• Reduced the flow rates by 6% in GCl.• Successfully won the collections action 500+ contest from Oct to Dec 06.

Areas of Responsibility• Monitoring & managing Twenty one field & tele calling executives in three different agencies. • Managing the NCL numbers for the North region & maximizing recoveries in Delhi & NCR region.• Process and policy compliance to ensure smooth functioning.• Ensuring early resolution of disputes, other service issues and taking appropriate decisions.• Planned strategies to lower down cost to company. Provided feedback to credit and fraud dept.• Suggested & implemented improvements in existing systems & procedures.Achievements• Successfully handled ARR (April 2005 to May 2005).• Multiplied the recovery numbers to five times. • Achieved single digit GCL and NCL numbers for 7 months from Dec 2005 till last month.• Awarded employee of the month in January & for the quarter April 06.• Won Credit elite-Australia in the month of Dec’05.• Reduced the GCL stock by 50% over a period of 1 year.