1. MANISH CHAUDAHRY
Mobile:+9161407000
E-Mail:manish.delhi2105@gmail.com
BANKING. NBFC. CAPTIVE FINANCE COMPANY DOMAIN PROFESSIONAL
# Collection& Recovery # Sales& Credit #Loan lossManagement #CollectionAnalytics
Mission – Aggressive Sales with vibrant & vigilant collection support.
PROFILE SUMMARY
 20 yearsof experience in DebtCollection& NPARecovery,Sales& Credit Domain.
 Presentlyworkingwith BajajAuto finance Ltd. As Zonal Recovery Manager for WestZone (Tw Recovery)
Since September-2009 till date.
 Excellentin makingcollectionstrategies witheffective fieldlevel implementations.
 Expertise tominimize the LoanLosseswithlow collectioncost.
 ProficientinManagingdelinquencyof Tw,Auto, PL, CV,CE, HL, LAP portfolio.
SKILL SET
# LowLoan Losses #Low BusinessCost #Healthof Portfolio #Strategies&planfor efficiency
#Strong reviewmechanism #Increase Productivity #MeetingBusinessVolumes&SalesPenetrations
#Training& Development #Compliance Management #Escalation& Dispute Management.
ORGANISATIONAL EXPERIENCE
Since Sep’09 Bajaj Auto Finance Ltd., Ahmedabad
Zonal Manager (TW Recovery) – West Zone – GJ/MH/MPCG
Growth Path:
Sep’09 – Apr’11 Regional Manager - (Collections) – Utter Pradesh & Bihar Region (RO Lucknow)
Apr’11- Sep’14 Regional Manager – (Sales & credit collection) – UP East (RO Lucknow)
Sept’14 – Present Zonal Manager - (Recovery TW/3w) – West Zone (RO Ahmedabad)
Key Responsibilities
Collection Domain
 Controlling NPA Portfolio for 4 States (Gujarat, Maharashtra & MPCG) Delinquency spread over 135
Locations with a portfolio size of INR 80 Crore.
 Managing Team of 3 ACMs, 21 Location collection officers with strong outsourced vendors & off role in-
house executive team.
 In view of increase team productivity and increase collection efficiency we continuously plan innovative
ways of collection, Review & monitor performances till bottom level of hierarchy, Portfolio analysis on
various parameters & segments.
 In viewof maintainhealthyportfoliomyselfcontinuouslytrackpotential lossbuckets performances, review
state & location wise Arrear % to SOH trend, Non-starter & early default cases analysis, Bounce trend
analysis,Review&analysis on Pareto Locations, Regular opportunity loss analysis, Johari window analysis.
 In view of reduce & cover up collection cost we focus on penal income and enhance alternative collection
channels.
 Review quality & performance of vendors – Collection Agencies, stock yard, valuer, brokers etc.
 During my location visits plan joint field visits on chronic, non-starters, dispute cases.
 Joint working with legal team.
 Reviewpolicies and recommend changes and additions to core management team as per current demand.
Sales Domain – Dealer & channel partners relationship development, sales penetration and quality business,
maintaining market share, maintaining IRR at state level.

2. PREVIOUS EXPERIENCE
Oct’08 – Sep’09 DEVELOPMENT CREDIT BANK LTD, As Regional ManagerCollection –NorthZone (RO Delhi).
Portfolio - CV/CE/HL/PL.
Call centre establishedforsoftbktcollection,reducedNCLpool,re schedule loansof bigfleet
Apr-06 – Oct’08 ICICI BANK LTD, As Area Collection Manager – (Delhi/NCR/UP).
Portfolio- Top 20 Locations TW loans.
Turn around in UP top locations.
Apr’05 – Apr’06 ING VYSYA BANK LTD. As Manager Collection – North Zone (DL/UP/PB/HR)
Portfolio- all retail assets products – PL/HL/CV/TW/AUTO/BL/EL.
Reduced NPA from 3.73% to 2.99%. Member of core management meeting.
Set the collection process and appoint collection vendors.
Achieved Best employee award in 2 qtrs.
Mar’04 – Apr’05 Nutech Lease & Finance as Manager Recovery- Delhi
Portfolio- CV/CE
Delinquency rate was reduced from 5.5% to 3.85%
May’98 – Mar’04 Centurion Bank Ltd. As Jr. Manager Collection – Delhi & Punjab
Portfolio- TW/CV/Corporate loan.
Jul’96 – May’98 H.B.Security Ltd. as, Assistant
Handling Sales & Shares Delivery Process.
Academic Details
B.com (H) From Ramjas College , Delhi University (1995)
Diploma in Software Application from Uptron Acl, Delhi(1993-94)
Course in Computerised Accounting from India Education Centre(1995)
Personal Details
Father’s Name: SH.B.S.Chaudhary
Date of Birth: 21.05.1973
Address: C-200 Block D
Opp. Pragati Deep Tower
Vikas Marg, Delhi-110092
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