1. GOPAL R. PATIL
Mob: +91 9820223957
Email @: gopalrpatil75@gmail.com; gopalpatil3657@gmail.com
SYNOPSIS
• An incisive professional with over 15 years of rich experience in Banking / NBFC – Credit Card –
Personal Loan, SME-Unsecured Business Loan Collections & Acquired Portfolio recoveries for
Unsecured Business & Personal Loan portfolios.
• Currently associated with BAJAJ FINSERV LTD as an Area Collections Manager managing
Mumbai Metro, Thane- Rural, Alibag / Bhiwandi & Navi Mumbai Harbor Locations for – SME
Unsecured Personal & Business Loan Division
• Well versed with Collection tracking and analytics, team handling, business analysis tools &
systems, project handling, excellent business communication skills with exceptional people
relationship management skills.
• Involved in Team Building, training and formulating collection & recovery management strategies,
as well as accomplishing the given targets in budgeted parameters.
• Ability to support and sustain a positive work environment that fosters team performance with
relationship management skills.
Core Competencies
Leadership
Proactively managing the activities of assigned collection & recovery team by ensuring the following
functions are efficiently performed in a quality-oriented environment reflecting company values
Collection & Recovery Functions
• Manage assigned collection employee’s performance to ensure a balance of optimum
productivity, collection & recoveries and budget goals are met at all times
• Continually assess goals and recommend actions to be taken if goals are not being met;
participate in the assessment of procedural changes, implement any changes, track and report
results in order to enhance collection efforts
• Coordinate activities with other departments and management staff to achieve optimum
production and utilization of collection employees while adhering to department goals,
standards, and objectives
• Guarantee the availability of collection employees to answer procedural questions and/or
escalate calls to management in situations out of employee’s control
• Ensure employees receive continuous development training after initial training has been
completed in order to improve their ability to perform job duties
• Supervise the development of employee appreciation and recognition programs and/or
activities for assigned collection team
• Continually keep up-to-date on system changes or system documentation methods, and
ensure collection employees are trained accordingly
Problem Resolution
• Proactively oversee the activities involved in quality resolution of performance and profitability
issues relating to assigned collection staff and clients
• Escalate to management any situation outside the employee's control that could adversely
impact the service provided
• Identify any obstacles to providing the highest quality customer service and communicate
constructive feedback to management

2. • Regularly review feedback concerning overall performance levels to determine recurring
problems and recommend improvements aimed at reducing future occurrences.
Status Meetings
• Conduct regular status meetings with each direct report; discuss activities, projects, and
planning issues for way forward.
• Evaluate current level of effectiveness, initiative, and responsiveness.
• Provide required coaching and training.
Employee Development
• Coach, develop, counsel, and mentor subordinates to achieve quality performance
• Set priorities to assist assigned staff with establishing and attaining career development goals
• Provide ongoing training, when necessary, maintaining industry, department and company
standards
• Thoroughly prepare for and professionally conduct timely performance appraisals of direct
reports
• Maintain a current performance file for each direct report
• Review monthly appraisal status reports ensuring staff is held accountable for timely and
quality appraisals
• Ensure that employee training is effectively conducted for all positions throughout assigned
area of responsibility utilizing appropriate combinations of formal, informal, one-on-one, and
on-the-job training
• Know and support goals and complaint investigation procedures and ensure that management
is made aware of problems or issues
• Ensure that all subordinate staff are properly trained and ensure Code of Conduct, Company
policies and procedures are followed.
• Track Attendance & Punctuality
Collection & Recovery Activities
• Manage day-to-day collection & Recovery activities ensuring adherence to departmental
policies and procedures
• Assign responsibility for investigation of fraud cases and possible legal action for delinquent
accounts
• Establish and update customers' credit activities
• Review collection & Recovery reports to ascertain status of collections & Recoveries to
evaluate effectiveness of current collection & recoveries requirement as per management.
• Audit delinquent accounts considered to be uncollectible to ensure maximum efforts have been
exhausted before assigning bad debt status to account
• Coordinate with others, including staff in company branches and credit card companies, to
exchange information and update controls
• Allocate delinquent accounts as per process to outside agency for collection & recovery
Report Generation
• Prepare and update reports in a timely and accurate manner
• Conduct research and compile data for report preparation, resolving any discrepancies with
data
• Prepare customized reports on a variety of collection and accountability issues

3. Team Interfaces
• Establish a good working relationship with team members, agency and department contacts in
order to maintain and continuously strive to improve the level of overall service being provided
• Assist with performing quality review of services being provided and department interactions
by escalating work flow and communication issues to superiors to help identify trends
indicating the need to revise existing methods and procedures
• Respond to inquiries about reports, procedures, and other processes to ensure continuity
Career History
• BAJAJ FINSERV LTD Mumbai -Manager (E-04) – SME Unsecured Personal & Business
Loan Division.
Responsibilities assigned as a Manager – Area Collection Manager (April, 2015 Till Date)
• Supervising and administering SME Unsecured Personal Loan & Business Loan Front End & Gcl
Portfolio.
• Managing Mumbai Metro, Thane- Rural, Alibag / Bhiwandi & Navi Mumbai Harbor Locations.
• Building up the Team infrastructure for meeting the Front End & GCL portfolio targets.
• Adhering to the Audit & Compliance policies as per management requirements.
• Regularly co coordinating with the Sales & Credit Team as to delinquent accounts
for early resolution in turnaround time.
KOTAK MAHINDRA BANK LTD Mumbai -Manager (Band-3)– Retail - ARD
Responsibilities assigned as a Manager – Area Resolution Manager (March, 2013 To March
2015.)
• Supervised and administered the Barclays & RBS Credit Cards Write Off acquired portfolio.
• Supervised and administered the Barclays / AXIS & RBS SME Business Loan & Personal Loans
Write Off Legal acquired portfolios.
• Managed Mumbai Metro, Thane- Rural, & Navi Mumbai Harbor Locations.
• Managed the Arbitration & DRT matters for the Mumbai Metro, Thane- Rural, & Navi Mumbai
high Value legal filed accounts parallel to the field follow ups in line for early resolutions.
• Emphasized on legal process on time as to ensure the faster turnaround time for resolution of
the High Value & Hard core RTP cases.
• Built up the Team infrastructure for meeting the Recovery targets.
• Adhered to the Audit & Compliance policies as per requirements.

4. Tata Consultancy Services Mumbai – Assistant Manager (Business Outsourcing Process)
Responsibilities assigned as - Assistant Manager (Since May, 2011 To February 2013)
• Supervised and administered a Pre Write Off Cards portfolio (4th Placement Mumbai) running
on Mrr concept for client HSBC –MUM Location
• Supervised and administered a Pre Write Off Personal Loan portfolio (3rd Placement Mumbai)
running on Mrr concept for client HSBC- MUM Location
• Supervised and administered the Tele calling Write Off Cards Portfolio (Pan India) running on
Recovery concept for client HSBC- Pan India
• Supervised and administered the Cards Legal Write Off Portfolio (Mumbai) running on
Recovery concept for client HSBC- MUM Location
• Supervised and administered the Personal Loan Legal Write Off Portfolio (Mumbai) running on
Recovery concept for client HSBC- MUM Location
HSBC Bank Ltd Mumbai, Business Manager. – Assistant Manager (Consumer Credit Risk)
Responsibilities assigned as - Assistant Manager (Since June, 2007 To April 2011)
• Supervised and administered a portfolio 1st Placement running on Mrr concept since
December 2010-Pune Location.
• Supervised and administered a portfolio 4th Placement running on Mrr concept since
December 2009-Mumbai Location
• Supervised and administered a portfolio size of 10.5 Crore. (Gcl)-Mumbai Location
• Supervised and administered a portfolio size of 10.2. Crore. (Ebkt-6) –Mumbai Location
• Built the infrastructure for meeting the collection targets.
• Analyzed the portfolio so as to minimize the risk and ensure that the given targets are
achieved.
• Monitored the day-to-day activities and get optimum productivity out of the team members on
Agency level. Handling 3 on-roll employees
• Mentored new team members in agency and help them as to adapt the organization's culture.
• Adhered to the Audit & Compliance policies as given by HSBC Bank.
• In view of the increased Portfolio size was instrumental in introducing 7 new agencies in Cards
Pre Write off Portfolio in Mumbai Location.
CitiFinancial Consumer Finance India Ltd, Mumbai – Officer (Risk & Credit.)
Responsibilities assigned as - Officer (Since November 2005 To May 2007)
• Supervised and administered six branches amounting to a portfolio size of 8.5 Crore. (Front
End –Bkt-1)
• Managed the Team size of 95 field collectors, 9 TL & 2 Bucket Supervisors for Front End &
BKT-1 resolutions.
• Built the infrastructure for meeting the collection targets
• Ensured cost control in all aspects of Branch expenditure.
• Analyzed the portfolio so as to minimize the risk and ensure branch profitability.

5. • Monitored the day-to-day activities and get optimum productivity out of the team members
and colleagues.
• Ensured that the company operating policies are adhered to at all times.
HDFC Bank, Mumbai – Officer (Debt Management Credit. Cards)
Responsibilities assigned as - Officer (Since May 2005 To October 2005)
• Supervised and administered Risk 90 agency & ensuring the consistent achievement of set
Targets.
• Controlled the forward flows in Risk 30, 60 & 120.
• Done regular Audit checks at agency.
• Ensured smooth functioning of processes.
• Published Mis on regular basis to enable the team to understand & achieve the set targets &
the Drr consistently.
•
ICICI Bank, Mumbai – Officer (Debt Management Credit. Cards)
Responsibilities assigned as – Sr. Executive (Since December 2003 To April 2005)
• Supervised and administered Risk 180 agency & ensured the consistent achievement of set
Targets.
• Controlled the forward flows in Risk 90,120 & 150.
• Done regular Audit checks at agency.
• Ensured smooth functioning of processes.
• Published Mis on regular basis to enable the team to understand & achieve the set targets &
the Drr consistently.
• Sustained & Trained new upcoming agencies in ICICI Credit Card Collections & to groom the
team abilities.
M/S Onus Consultants Pvt Ltd. Bank, Mumbai – Customer Assistant Specialist – Credit
Cards
Responsibilities assigned as – Customer Assistant Specialist (Since April 2001 To November
2003)
• Worked for the authorized Collection Agency M/S Onus Consultants Pvt Ltd for CITI Bank
Cards collections.
• Handled Soft Bucket Risk 30,120 on field & ensured that the targets are achieved.
Responsibilities across tenure
• Performed all duties as a Team player for Banking / NBFC – Credit Card – Personal Loan, SME-
Unsecured Business Loan Collections & Acquired Portfolio recoveries for Unsecured Business &
Personal Loan portfolios.
• Achieved goals and target set by the management on a monthly basis while maintaining a
satisfactory level of quality assurance on all calls.
• Timely referral of NC cases to Skip Tracing Agencies.
• Coordinated with backend to support in providing timely data/MIS for collections & recoveries.

6. • Identified delinquent accounts and categorized them in different heads for planning collection
strategy. Field visitations done as per the requirements
• Coordinated with agency managers and query resolutions unit level as to resolve the cases to
the earliest
• Fulfilled the requirements of Banking standards to secure the confidential information along
with the requirements for internal audits.
Notable accolade
• Based on performance & consistency upgraded himself from a Customer Assistant Specialist to
an Officer for Credit & Risk in CitiFinancial for Mumbai Location.
• Based on performance & consistency upgraded himself from an Assistant Manager to Bucket
Manager for Consumer Credit Risk in HSBC credit cards portfolio for Mumbai Location.
• Based on performance & consistency upgraded himself from a Bucket Manager to Area
Resolutions Manager for Retail –ARD managing SME Business Loan & Personal Loans
Write Off Legal recoveries for acquired portfolios pertaining to Mumbai Metro, Thane- Rural,
& Navi Mumbai Harbor Locations.
• Based on performance & consistency upgraded himself from Area Resolutions Manager to Area
Collections Manger managing SME Unsecured Personal Loan & Business Loan Front End & Gcl
Portfolio for Mumbai Metro, Thane- Rural, Alibag / Bhiwandi & Navi Mumbai Harbor Locations.
Current CTC
• Current CTC drawn 7.75 lacs per annum.
Educational and Professional Qualifications
• B. Com from Mumbai University in Year April 1997 with pass class
• H.S.C from Mumbai University in Year March 1993 with 58%
• S.S.C from Mumbai University in Year March 1991 with 56%
• Computer Knowledge: Proficient in the use of Windows7 & 8, MS Excel
Personal Information
Date of Birth : December 08th
, 1975
Current Address :
Rehab Bldg. NO-2, Flat No-301, 3 Rd Floor, Radha Nagar,Behind
Rani Sati Municipal School,Rani Sati Marg Malad (E) Mumbai-
400097
Permanent Address :
Flat No 106, B Wing, Royal Complex, Jai Bhavani Lane , Kasam
Baug Rani Sati Marg, Landmark- Near Bachhani Nagar ,Malad (E)
Mumbai 400097.
Marital Status : Married
Gender : Male
Pan Number : ANEPP1141J
Father's Name : Shree. Ragho O. Patil