VINOD SHARMA

[email protected]
Mob-09873916141

Professional Synopsis: -

A competent professional with more than 16 years of experience in establishing strategic

partnership and alliances, handle the different branch functioning Accounting activities, Recovery
and debts. Taking care of Collections Process, Auction proceeding. Repossessions of asset, Vendor
management and Handling in-house team. Providing Support and addressing the day to day process
challenges.

 Work Experience: -

Hero Fincorp Ltd As a (State Head of Delhi and Haryana Nov-22 To Till Date
 Presently Working with Hero Fincorp Ltd as a State Collection Head.
 Responsible for collection Business Loan, Personal Loan, Digital loan, Cross Sale, and Open Market
Personal Loan of Delhi and Haryana Field Referral front-end, mid-range, GNPA and write-off
collections for minimize the Bad Debt of business.
 Allocation of cases, capacity planning, ensuring field visitations, curtailing flow rates, recovery of write
–off stock, and normalization of delinquent accounts
 Appointing new agencies according to volume to maintain ACR for the particular location or Market.
 Analyzing the delinquency reports and monitoring the trends in collections by referring to concerned
 Assess customer feedback, evaluating areas of improvements & providing critical feedback.

 Team Management: -
 Leading a team of 12 on roll employees across Delhi NCR and Haryana Zone and 3 Area Collection
Manager and 9 Collection Manager.
 Leading & monitoring the performance of team members as per set target and maintain DRR.
 Achieved AOP (Annual Operating Plan) numbers since joining which set by management.
 Imparting training to agencies & in-house team to implement audit norms and policies as per
guidelines and ensuring strict adherence to various norms.
 Conducted field visits to understand the profile of a typical loan client. Also managing skip tracing.
 Personally, joint visit on high value cases with team.

Aditya Birla Finance Ltd As a (Regional collection Head) Dec-20 To Nov-22

 Worked with Aditya Birla Capital Ltd as Area Collection Manager. (State Head)
 Responsible for collection Business Loan, Personal Loan and Small Ticket Unsecured loan of Delhi Field
Referral front-end, mid-range and GNPA collections for minimize the Bad Debt of business.
 Managing the disbursement of restructuring and EMI Holiday of BL.PL and STUL pool of Delhi NCR.
 Also responsible of delinquent pool of Re-structuring cases of Delhi NCR.
 Allocation of cases, capacity planning, ensuring field visitations, curtailing flow rates, recovery of write
–off stock, and normalization of delinquent accounts
 Appointing new agencies according to volume to maintain ACR for the particular location or Market.
 Analyzing the delinquency reports and monitoring the trends in collections by referring to concerned
 Assess customer feedback, evaluating areas of improvements & providing critical feedback.
 Monitor the overall health of the port-folio.

 Team Management: -
 Leading a team of 20 on roll employees across Delhi NCR Zone and 4 Collection agencies of Delhi NCR.
 Leading & monitoring the performance of team members as per set target and maintain DRR.
 Achieved every month given target from joining to till date.
 Imparting training to agencies & in-house team to implement audit norms and policies as per
guidelines and ensuring strict adherence to various norms.
 Conducted field visits to understand the profile of a typical loan client. Also managing skip tracing.
 Personally joint visit on high value cases with team.

BAJAJ FINANCE Ltd As a Area Manager Oct-18 To Till Dec-20

 Worked with Bajaj Auto Finance Ltd as a Area Collection Manager of Delhi and Haryana.
 Responsible for collection of Delhi and Haryana front-end, mid-range and hard-core collections and to
minimize the Bad Debt of business.
 Designing and implement collection strategy, techniques and procedures for delinquent account as
per capacity, range, network and geography of locations.
 Allocation of cases, capacity planning, ensuring field visitations, curtailing flow rates, recovery of write
–off stock, and normalization of delinquent accounts
 Target setting and payout have been significant measures for planning
 Retention of accounts through payout strategy giving boost to collections and Staffing and manpower
management for particular locations to achieve or deliverables.
 Appointing new agencies according to volume to maintain ACR for the particular location or Market.
 Analyzing the delinquency reports and monitoring the trends in collections by referring to concerned
areas & profile patterns and feedback.
 Assess customer feedback, evaluating areas of improvements & providing critical feedback.

 Team Management: -
 Leading a team of 6 on roll employees across Haryana Zone and 9 off Roll DRA. Around 10 Collection
agencies.
 Leading & monitoring the performance of team members to ensure efficiency in operations and
meeting of individual & group targets.
 Imparting training to agencies & in-house team to implement audit norms and policies as per
guidelines and ensuring strict adherence to various norms.
 Mentoring and motivating teams towards optimizing their contribution levels. Excellent analytical,
organizational and interpersonal skills

RBL As a Bucket Manager - April -18 to Sep-18

 Handled Credit Card Collection of Bkt-2,5 and 6
 Achieved 100% target month on month as per target set from joining.
 Plan new strategies like POS banding or categories them on the basis of bouncing/mode of payment.
 Tracking payment to ensure same will reflect in system on same day post collection
 Ensure compliance from the FE on laid down processes
 Receipt Cut Count, Settlement Raised count achieved as per targets published. Refer Score Card
 Managing 2 on roll Emp. And 3 team leaders.
 Geographically segregate of monthly Allocation to DRA’s of port-folio, monthly target setting,
capacity planning required per manpower are the factor to be covered in the begging of every
month.
 Conducted field visits to understand the profile of a typical loan client. Also managing skip tracing.
 Personally visited and not allocated the high value account to FOS/DRA self-monitoring on high
value account.

DHFL As a Branch Recovery Manager (Manager )14- June -16 to 1-April--18.

 Managing the collection of entire Bkt-2 HL & LAP portfolio.
 Managing 2 on roll Emp. And 3 team leaders.
 Managing a team of 5 internal DRA/FOS.
 Daily taking the feedback from DRA/ FOS and tele-callers.
 Conducted field visits to understand the profile of a typical loan client. Also managing skip tracing.
 Personally visited and not allocated the high value account to FOS/DRA self-monitoring on high
value account.
 HDFC BANK LTD As a Deputy Manager 18- July -15 to 8-June-16
 Managing Recovery agencies and managing the secure (TW) and unsecured (PL/BL) vintage pool of
DPD 180 and above.
 Vender Management Function: -Handling collection agency
 Managed Allocation & Driving Collections Activity through Tele calling & Field.
 Allocation of port-folio, monthly target setting, capacity planning required per agency and billing of
agencies are the factor to be covered in the begging of every month
 Conducted field visits to understand the profile of a typical loan client. Also managing skip tracing

Magma Fincorp Ltd. as a Assistant manager 18- July -14 to 17-July-15

 Managing the recoveries of 180 to 730 DPD account of Secure and unsecure portfolio.
Like :-( HL, CE, CV, TRACTOR, CAR (AL) and SME Business loans.
 Maintain daily MIS and feedback file.
 Managing a team of 10 internal SRC/FOS.
 Managing repo and tracing agency for repossession the vehicle.
 Also managing the internal repossession team who repossessed the vehicle through sec-9 and 17

Kotak Mahindra Bank Ltd. As a Assistant ManagerNov-13 To-July-14

 Managing the collection of CV and account.
 Focus on target and empaneled new strategy to improve the performance.
 Maintain daily MIS and feedback file.
 Managing a team of 6 internal DRA/FOS, Agency Also
 Daily taking the feedback from DRA/ FOS and tele-callers.
 Managing repo and tracing agency for repossession of vehicle.
 Also managing the internal repossession team who repossessed the vehicle through sec-9 and 17.
 Mange joint visit with FOS in Delhi and NCR.

Kotak Mahindra Bank Ltd. As a Assistant Manager Aug-11- To Nov-13

 Assistant Manager- of Personal Loans Recoveries in, ASSETS RE-CONSTRUCTION DIVISION OF
KOTAK MAHINDRA BANK LTD, Delhi.
 Managing Recovery agencies and managing unsecured vintage pool of Business and Personal
Loans of BARCLAYS PLC BANK, ROYAL BANK OF SCOTLAND AXIS BANK recoveries, Delhi and NCR.
 Allocation of port-folio, monthly target setting, capacity planning required per agency and billing of
agencies are the factor to be covered in the begging of every month
 Conducted field visits to understand the profile of a typical loan client.
 Improving vendor performance by effective utilization of vendor manpower by introducing new
and improved business techniques.
 Monitor the overall health of the port-folio allocated to the vendor.

Kotak Mahindra Bank Ltd. As a Collection Manager (DRA) Apr-08-Aug-11

 Assistant Manager -of Personal Loans Recoveries in, KOTAK MAHINDRA BANK LTD, Delhi.
 Managing 3 Recovery agencies to handling in vintage pool Personal Loans segment.
 SPTL, SPL and CSG Wholesale loan recoveries in New Delhi.
 Making strategy for achieve the target. Focus on co-ordination communication and follow-up with
agency owner, Supervisor and FOS.
 Through an innovative process, have built a substantial pool of staggered payments which improve
the negotiation skills of the FOS in a grand manner.
 Focus on maintain ROR on every month for improve the collection.

 LEGAL RESPONSIBILTY
 Handling Advocate billing as per approved payout.
 Maintain legal MIS and attend NDOH.as a Authorized Representative (AR).
 Execution of Warrant (NBW) and Bailable Warrants (BW).
 Service of section 138 N.I. Act summon or warrants through concern court server OR concern
police station with the help of cop as per the requirement.
 Execute the police complain through concern police station as per the need, U/S 156(3) and 406,
and 420 appropriate action to be taken against the said accused person.
 Service of section 9, on behalf of arbitration proceeding through concern court sever.
 Execution of award proceeding on behalf of arbitration proceeding with Bailiff.

MANIPAL CAPITAL & LEASING PVT LTD as a Supervisor July-05 to Mar-08

 Managing collection of write -off account on behalf of BHARTI CELLULAR LTD.

 Fixing target to tale-calling staff and field staff.
 Main objective in business development and feed-back of executive, tale-collar.

EDUCATION QUALIFICATION
Year 2013: Master of Business Administration in Finance
Year 2009: Bachelors in Commerce
F. Name: Late. Shree. Ramkishan Sharma
DOB : 01-Oct-1978

Date:

Place: New Delhi Vinod Sharma