Vishwanadham Laxminarayan Kota, PGDBM in Finance,

Residence at Parel West, Mumbai,

Mobile # 983-***-****,

adrqkc@r.postjobfree.com

Date of Birth 4th Feb 1983,

CTC 10.32 lac P.a.

Currently on Notice Period Last working Day 20th June 2022 Ready to Relocate if opportunities Mumbai South Hyderabad, Andhra Pradesh, Telangana, Bangalore, Chennai. A Post Graduate in Finance, Managerial skill with Experienced 15 Years of Collection Industry, Managerial Grade Call Center Management and increasing Efficiency and productivity Given on Daily Task, Engaged Field managing and Tele Collections, Team Handling, Proficient in Products unsecured, Semi secured, secured i.e., CC, HL, LAP Managing Leadership Role in Collections Accountable and Responsible for operational and day-to-day business development to support recovery of unpaid debts. Expertise in portfolio 30dpd to 90 DPD, had managed very well flows Team, Also Experienced in Write off Cards pool and delivered maximum Recovery. Experienced in Secured Loan HL, LAP Legal and SARFESI, Order Execution.

Experienced in Segment of Banking, NBFC HSBC, TCS, DHFL, L & T FINANCE and HDFC BANK. Education and other Technical Skills

• Post Graduate in Finance from Welinkar Institute of Managements, Year-2013.

• B.com From SIWS College, Wadala Year – 2006.

• Typing Speed Course 40 wpm computer Training. MS office, Tally.

• Well versed in Advance Excel Creating MIS, Pivot Charts and VLOOKUP

• PPT Presentation and Data Management

Work Experience

HDFC BANK – CARDS COLLECTIONS.

Manager – Retail Assets.

Aug 2018 to Till Date. Serving Notice LWD 20 Jun 2022.

• Reducing NPA by Developing and implementing a strategy to improve the effectiveness of the Team.

• Further develop and monitor targets for monitoring debtor performance.

• Analyze and detailed in Daily performance.

• Expertise in Bucket handling and Bulk Accounts delivering high quality performance.

• Ensured the adherence of audit and compliance policies of outsourced agencies

• Raised investigations against the fraud cases and skip cases reported. L&T Financial Services – Farm Vehicle Collections

Senior Manager Grade – (Farm Equipment Tractor Finance Collections.) Nov 2017 to Aug 2018.

• Track and control 0 Bucket cases and focus on non-starters over all control the process.

• Developing strategies for collections and recovery.

• Managing Daily Operations and Personnel aiming for maximum efficiency and cost

• Organizing the Team Leaders to attain goals and achieve great results of the organization.

• Responsible for overall Productivity of Call Center, Soft and Midbucket Collections.

• Developing the objective of the Call Center.

• Evaluate performance with Key metrics, Publishing Performance Reports.

• Coaching and Training the Team Leaders to Improve the Daily Efficiency.

• Capable of handling Team size of 50 Tele Callers and 2 Managers. DHFL Home Loans Division

Assistant Manager (Secured Portfolio Management- Home Loans/LAP) 23 June 2015 – Nov 2017

• Controlling X Bucket Portfolio value of 150cr and 800+ accounts by delivering 95% Resolutions.

• Managing and 25 FOS reporting and performance, including Team Leader.

• Make Strategic and Operational planning decisions in order to achieve the Teams Performance Effectively.

• Generate Detailed Projections Preparing the MIS for daily Teams Achievements.

• Work Closely with Team and Team Leader to develop divisional succession plans

• Monitoring and developing performance to ensure alignment with month end performance.

• Also track & control the delinquency of the area, Bucket-wise & DPD wise and focus on non-starters.

TCS

Sr. Process Associate.

November, 2011 – June, 2015

• Handled the Write off and Flows 30 to 90 dpd Cases and Reducing Forward Flow.

• Well Versed with Tracing Activity NCT Cases and High Exposure Cases.

• Handling Out bound Collections and increasing the Efficiency to Generate More Productivity

• Adhering Operation key metric of Operation & Quality.

• Adhering bank policy and procedures.

• Taken 00Opportunity in Citi cards flows Accounts Bucket Mid buckets

• Negotiating with customers concerns and offering them settlement to reduce the bank’s bad debts.

• Establishing Contacts for non-contactable accounts by using various innovative ideas. HSBC

Sr. Associate Debt Management

June 2007 – Oct 2011

Sr. Process Associate.

November, 2011 – June, 2015

• Managed as a Debt Management Executive in Credit Card, handling 90 dpd Cases

• Resolving Customer Quarries and Generating more Collection Revenue to organization

• Maintaining & reviewing MIS reports & publishing daily strike rate.

• Tracing Non-Contactable Customers by sending agency persons to their addresses given and at the same time getting due payment collected.

• Developed organization revenues by minimizing potential losses by identifying high risk cases and forwarding to concerned department.

• Improved Payments of organizations by monitoring bounce Trend

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