Headline

Immediate joiner | Centre Head | Collections Flows & Recoveries | NPA Resolution | RBI-Compliant

About

16 plus years’ experience with Multifaceted BFSI experience across MSME, Retail , Fintech & BPO with a robust skill set in team management with a robust skill set in team management. Proficient in managing business operations data analysis, and vendor management. Managed receivables across different geographies and cultures, with extensive exposure in Collections & Recovery, Project Management, Operational Risk and Controls, Call Centre Management, Field Collections, Strategy & Operations, Sales, Complaint Management, Operations and Decision Management, Data Analytics, Digital Collections, Designing Non-Intrusive future collections Models., I am dedicated to constructing a resilient collections ecosystem that supports robust business growth Encompassing customer relationship management, collection, legal recovery, market analysis and formulating strategies and channel development to target the business and corporate entities in the region. Well organized with a track record that demonstrates self-motivation, entrepreneurial ability, creativity, and initiative to achieve corporate goals.

Location

Mumbai

AI stack

metaai

Work experience

Center Head at DPDzero, Dec 2025 - Feb 2026 · 3 mos, Mumbai, Maharashtra, India, Optimized portfolio performance by reducing total portfolio delinquency through strategic process changes and the implementation of automated tracking systems. Developed and monitored comprehensive collection strategies, including legal actions and settlement policies. Consistently met revenue goals by analyzing data to forecast trends and optimize resource allocation

Chief Manager- Collections and Strategy - Business Operations at Armeka, Nov 2024 - Dec 2025 · 1 yr 2 mos, Pune District, Maharashtra, India

Collections Manager at Armeka, Nov 2024 - Nov 2025 · 1 yr 1 mo, Managed a Pan India collections & operations team of 350+. Analyzed data to identify early warning signals and provided feedback for corrective actions. Ensured adherence to process through effective trigger-based monitoring. Recommended opportunities for improvement in processes, policies, and budget vs actual profits. Created standard and ad-hoc management reports for portfolio review. Created segmentation in the portfolio for efficient handling. Led multiple projects with limited guidance.

Associate Director at Ola, Jun 2022 - May 2024 · 2 yrs, Bangalore Urban, Karnataka, India, Proven ability in developing and leading collections, operations and compliance teams, implementing and overseeing special operations directed to drive portfolio growth, improve workflow efficiencies, maintaining ethical compliance standards and regulatory compliance enterprise wide.

Director of Collections at Ola, Jun 2022 - May 2024 · 2 yrs, Led a team of 300�Collection Team, achieving a 3% increase in Collections targets over two consecutive years Develop and execute vendor network and execution framework for early stage collection Develop and implement new & effective collection strategies for early stage delinquent users while keeping in mind the quality and CSAT impacts Work with risk and front-end collection team for implementation of better calling campaigns duly aligned with the organization goals and compliance benchmarks Own and create dialer strategies, floor mobility strategies and prioritization frameworks based on portfolio segments Manage cost of collections in a tight budget to ensure the P&L becomes profitable Led a team of 150� sales professionals, achieving a 10% year-over-year increase in sales revenue by implementing strategic market expansion initiatives. Developed and implemented a comprehensive sales plan to target key industries and generate new leads Conducted in-depth analysis of customer needs and recommended tailored insurance solutions resulting in increased customer satisfaction Collaborated with marketing team to create targeted campaigns and increase brand awareness in the market Cultivated strategic partnerships with key industry stakeholders to bolster market presence and product penetration Conducted competitive analysis to inform product positioning, leading to a 12% increase in product adoption Spearheaded the adoption of data-driven sales techniques, resulting in a 30% improvement in sales forecasting accuracy. Generate, analyse & share regular reports on team performance, collection intensity and outcomes including but not restricted to market trend analysis and reports Present derived insights and recommendations for ongoing improvement Provide and support end to end invoice management for all the tele calling vendors

Associate Director at Avail Finance, Dec 2021 - May 2022 · 6 mos, Bengaluru, Karnataka, India

Director of Collections at Avail Finance, Dec 2021 - May 2022 · 6 mos, Managed a Pan India collections team of 300�, driving a 5% increase in collections through targeted marketing campaigns. Directly responsible for all operational aspects; third party collection agency operations Generated product quotations ensuring that they adhered with company policy and corrected discrepancies Recommended and prepared approvals for loan downgrades/upgrades, change in interest Monitored and initiated foreclosure action where liquidation of collateral is deemed necessary to affect loan reduction/repayment. Provide early warning, feedback to risk, operations, legal, credit & business teams for improvement in collections and underwriting Recovery agency management � Recruit and manage recovery agencies, set necessary targets and ensure targeted resolution rates Analyzed profit and loss reports ensuring that the department-maintained delinquency below industry average. Done the hiring and firing for the company taking pay sheets for payroll. Exercised best efforts to collect charge-off credits.

Senior Collection Manager at KreditBee, May 2018 - Dec 2021 · 3 yrs 8 mos, Bengaluru, Karnataka, India

Education

Master of Business Administration - MBA, Finance and Financial Management Services, Sri Vani Degree and Pg College

Bsc, Mathematics, SV Degree College