Vishal Jaiswal

Working as a Regional Collection Manager (Grade M2) for Nagaur, kota, Bikaner and jhalawar, bundi locations.

Handling the KCC and FE (Tractor) Products.

Handling and Managing the team of recovery ,Dealing with recovery of NPA (Bucket 360 plus),Pre NPA (Buckets 280-359),Delinquency (Bucket 180 Plus)

Handling 7 collection manager team, 4 agencies and 25 osps (In-house Team) All over the four districts.

Regular visit at field level in coordination with team and business team, Escalating the issues to resolve on higher DPD cases, Coordination with legal Team for filing RODA cases.

Dealing with the Churning and documentation process of NPA renewal cases of the customers in coordination with the Business team at branch level.

Ensure collection of payment from the clients on time.

Worked as a Area Collection Manager for Jodhpur,kota,Udaipur locations

Managed Across bkts portfolio of unsecured BL/PL collection and RCU

Responsible for managing the process of settlement ensuring approval for all settlement accounts are taken. Issuing settlement letters & maintaining settlement tracker, and monitoring for reversing of charges after the settlement is complete.

Sampling the quality of trails updated by vendor.

Taking care of process and audit. Ensuring negligible compliance issues towards vendor’s end and internal end.

Managing a 3 collection agencies.

Joined as Area Collection Manager.

Managed a team of 3 On roll collection manager and 7 agencies for Consumer Flow SF Digital product

Taking care of X BKT portfolio for SF Digital Product

Managed collections for a volume of around 2000 cases via collection vendor and in-house team.

Working as Deputy Manager (Grade E2).

Managing a team of 20 DRAs for recoveries, flow and unsecured, secured portfolio.

Taking care of portfolio of Auto Loan, mortgage,Pl,Tw ,tractor loan & Gold loans, credit cards

Managing collections for large volume of more than 2500 cases via collection vendor.

Taking care of Customer Escalation Management. Ensuring the escalated calls to be closed within the given TAT.

Sampling calls made by the agency to ensure call quality made by tele-callers are under prescribed limit.

Making sure that each allocated account should be touched and follow-up trails to be updated in web-collection module by the vendor.

Sampling the quality of trails updated by vendor.

Taking care of process and audit. Ensuring negligible compliance issues towards vendor’s end and internal end.

Responsible for managing the process of settlement ensuring approval for all settlement accounts are taken. Issuing settlement letters & maintaining settlement tracker, and monitoring for closure of loan after the settlement is complete.

Adhered to strict guidelines issued from RBI for collection business as per bank audit requirements.

Worked as a Collection Manager for Retail Asset Centre –Jodhpur,kota,udaipur

Managed a team of 4 in-house team and 6 collection agencies for recoveries, flow and unsecured, secured portfolio.

Managed Across bkts portfolio of Credit cards Home Loan, Tractor loans ,Car Loan, LAP Mortgages (Loan against Property) And Personal Loan ,Gold loans

Responsible for managing the process of settlement ensuring approval for all settlement accounts are taken. Issuing settlement letters & maintaining settlement tracker, and monitoring for reversing of charges after the settlement is complete.

Adhered to strict guidelines issued from RBI for collection business as per bank audit requirements.

Notable Highlights:

Successfully achieved 90 to 95% resolution in Risk-X portfolio month on month.

Appreciated by NCM and NCM for being consistent in achieving more than 90% resolution on monthly basis.

Played a vital role in bridging the communication gap with Operations Department, Retail Asset Management

Established healthy relations with Managers as well as Team Mates of other zones for quick pickups of outstation customers if any.

Successfully achieved satisfied ratings in internal and external audits.