Data Management & Unsecured Loan Collections Leader

MANISHA NITIN PAGAR, Virginia, USA.

Phone: +1-804-***-**** Email: ***************@*****.***

OBJECTIVE

Dynamic and results-driven professional with extensive experience in Data Management, loan collections and administration. Proven ability to optimize recovery processes, maintain strong client relationships, and ensure compliance with regulatory standards. Self-motivated and detail-oriented, committed to driving operational efficiency and contributing to organizational success.

SUMMARY

●Experienced Manager specializing in unsecured loan collections and Data management with a proven track record at HDFC Bank Ltd.

●Skilled in customer care and administration, with experience at EPCOS India and Gabriel India Ltd.

●Effective leader with a history of managing teams and driving performance improvements.

●Proficient in computer skills and various administrative functions.

CORE COMPETENCIES

Software and Application: Microsoft Excel, Microsoft Word.

Data Management: Data Analysis, Data cleaning, Data Entry, Database Management, Data validation, Reporting.

●Unsecured Loan Collections

●Team Leadership and Mentoring

●Administration and HR Functions

●Customer Care and Complaint Handling

●Performance Optimization

●Legal and Compliance Management

PROFESSIONAL EXPERIENCE

HDFC Bank Ltd, Nashik — Manager for Personal Loan Collection Feb 2008 - Aug 2021

●Managed unsecured retail assets including business, personal, and self-employed professional loans.

●Database Management Data Analysis, Data Entry, Data cleaning, Data Validation, Reporting.

●Cash Management. Collection of cash from Customer physical or online. Managed and processed loan account payments, ensuring accurate and timely updates from various sources, including physical receipts, online transactions, and direct deposits.

●Vault Management. Daily closing of Cash counter and maintaining vault register as per Audit requirements. Vault cash deposition in Bank next Day.

● Trained field personnel in key persuasion and negotiation skills to enhance performance. Led and mentored team to achieve operational efficiency while consistently meeting individual targets.

●Provided direct customer support by addressing inquiries and resolving issues for walk-in customers and on collection-related phone calls.

●Oversaw the end-to-end process of complaint management, ensuring timely and effective resolution of customer grievances, particularly those escalated to the Reserve Bank and company Managing Director.

●Enhanced data integrity by capturing market insights and customer feedback during on-field visits, which was then systematically updated in systems (Finn one, web collection), leading to improved payment compliance, future reference and decision-making. Skip Tracing and recovery on these accounts.

●Achieved individual targets and trained field personnel in persuasion and negotiation skills.

●Provided regular feedback to the credit team on non-starter loan applications and collection outcomes to improve lending decisions.

● Partnered with the Risk Analysis team to proactively identify and mitigate document fraud, leading to the successful recall of loans from fraudulent accounts and preventing incorrect disbursement.

● Coordination with legal department, ensuring verification of all paperwork and documents is done by collection, directly supporting legal action and financial recovery. Managed the Lok-Adalat process for delinquent accounts, including sending notices and ensuring court appearances for loan settlement or payment regularization.

●Monitored and managed insurance cases for deceased customers, ensuring timely and compliant claim resolution and minimizing financial liability.

EPCOS India, Nashik — Assistant Customer Care May 2007 - Feb 2008

●Handled customer complaints.

●Managed procurement (stock check in system and physical verification.)

●planning and booking orders of customer on system, and providing the delivery dates as per schedule

●Managing Delivery priority and ensuring dispatch.

●Communication with customer on phone, email and system for any update on delay or early delivery.

ICICI Bank Ltd, Nashik — Agency Manager for Personal Loan Collection Dec 2004 - May 2007

●Managed agency operations for personal loan collections.

●Backend Activities (Payment Updating, Awareness calling, Handling Audit, Cash Handling, Customer Visits etc.)

Gabriel India Ltd, Nashik — Administration Activities Oct 2000 - Oct 2004

●Managed time office and administration activities and Reception.

●Leave Card Management and updating in system.

●Calculating overtime of workers for payment processing.

●Handling guests and coordinating with Administration office for bookings and travel arrangements.

Mechmet Eng., Nashik — Personnel and Administration Activities Dec 1997 - Mar 2000

●Managed personnel and administration functions. Personnel Assistant to Managing Director.

●Taking care of hotel bookings, Travel arrangements for business tours.

●Handled Employee Salary.

●Handled Time office. Calculating overtime of workers.

●Looked after stores, production, job work and Dispa tch (Making Invoice) . Whenever required.

EDUCATION AND ACHIEVEMENTS

●Bachelor of Arts (English), June 2004

●Typing: 50 W.P.M.

●MS-CIT

●Gold Medalist in International Drawing Competition.

●Merit Holder in Intermediate and Elementary Drawing Examinations.

●District-level Basketball Player.

PERSONAL DETAILS

●Name: Pagar Manisha Nitin

●Qualification: Bachelor of Arts. (English)

●Contact Number: +1-804-***-****

●Email: ***************@*****.***

●Experience: 20 years (13 years in banking)

●Languages: English, Hindi, Marathi

●Date of Birth: 10th November 1979

●Marital Status: Married

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