1. GAUTAM KUMAR SHARMA
E mail: gautta@yahoo.com
Phone: +91-8288097275
An accomplished & thorough professional with a dynamic career in Debt & Collection, Sales & Marketing, Business
Development, leading high growth. Acknowledged for strengthening companies to lead in highly competitive markets and
delivering innovative concepts & strategies
• A result-oriented professional with 14 years of extensive experience in Sales & Marketing, Business
Development, Legal Coordination, Collection & Recovery Management, Debt Services, Customer
Relationship Management and much more
• Proficient in filing of RODA, HACO and Punjab Ari act cases, coordinating with govt. authorities to
resolve cases along with expertise in SARFAESI filing and collaborating with Legal Agencies to
resolve other legal cases like Sec. 138, Civil Suits and so on
• Proficient in supervising credit appraisals (pre & post sanction) involving verification of
documents, sanction & disbursement of credit limits, delinquency analysis and providing decision
for sanction & disbursement in order that commitment to customer on turnaround time is met
• Gained experience in managing all marketing/business development activities, analyzing market
trends, establishing healthy & prolonged business relations with clients and thereby ensuring
higher market share
• Acquired robust knowledge of secured, unsecured and Agri products including Commercial
Business, Personal Loan, Home Loan, Auto, Tractor and KCC Loans
• Competent at maintaining cordial relationship with customers, ensuring quality and service norms
to achieve customer satisfaction & business retention
• In-depth knowledge of day-to-day operations in all types of credit business
• Excellent interpersonal & communication skills with skills in client relationship management
SKILL SET
Debt Service/Recovery Collection/Credit Management Legal Coordination
Sales & Marketing Team Management Client Relationship Management
Business Development Strategic Planning & Execution Thought Leadership
ORGANIZATIONAL EXPERIENCE
ICICI Bank, Jaipur Since
Aug’06
Spearheading business for areas i.e. Punjab, Haryana, Himachal Pradesh
Growth Path:
Debt Manager – EMCT (Secured & Unsecured Products) Aug’06 – Oct’09
Debt Manager – RMAG (FE/FF Loans) Nov’09 – Apr’13
Area Debt Manager (RIBG – Punjab, Haryana and Himachal) May’13 – Apr’16
Regional Debt Manager (RIBG – Punjab & Himachal)
Key Result Areas
• Managing and monitoring delinquent account collection and establishing terms of payment; conceptualizing &
implementing recovery strategies in case of payment defaults
• Preparing MIS reports to provide feedback to top management on business operations, viz., billing, collection, credit
control, profitability and so on
• Preparing collection plans, delegating the targets and developing overall & case specific plans to recover money
• Experienced in implementing the recovery strategies in case of payment defaults; understanding the reasons behind the
default and accordingly providing options to regularize payment
• Supervising the team for managing high value fraud cases / defaulters / insolvent clients and initiating appropriate legal
actions against them
• Leading, training & monitoring team performance to ensure efficiency for meeting of individual & group targets
• Creating a healthy & learning environment while ensuring creative and operational development of the employees
• Conducting risk analysis and scrutinizing relevant documents before sanctioning / disbursing the credit limits while ensuring
compliance with organizational credit policies
Profile
Summary
Profile
Summary

2. • Performing comprehensive study of the creditworthiness during the process of sanctioning limits to corporate /
individual clients through all the primary & secondary researches
Highlights
• Recognized as the Best Collection Manager in 2008 – 09
• Imparted training as Collection Process Trainer for North
• Speahreaded Kissan Credit Card for Punjab & Haryana region & contributed significantly towards making these two
areas win award for Best Performing Areas for the last financial year (2015-16)
HDFC Bank Ltd., Alwar Jan’05 – Aug’06
Collection Manager
Spearheading business for Alwar region
Key Result Areas
• Spearheaded products Auto, CV ,PL, Business Loan and TW of Alwar spokes
• Performed Yard Management and Disposal of possessed assets
• Steered Legal Coordination with lawyers for filing legal cases
Highlights
Accomplished Delinquency level less than 1% in over 30 in all products
Successfully set up collection & legal agencies in Alwar
Maintained deliquency percentage below 1% in both 30+ & 90+ for consecutively 2 years
Recognized with potential and nominated as the First Collection Manager for challenging areas including Alwar, Bhiwadi
Bharatpur, Shahpura and Kothputli
Ashok Leyland Finance, Rohtak July’03 – Jan’05
Marketing Officer
Spearheaded sales & collection of due amount for smart fleet diesel cards along with FI & Sales of Auto & CV Loans
Saffron International, Bhubaneshwar Jul’01 – Jun’03
Marketing Executive
Led promotion of Sapna Brand of toffees and appointed a robust Supply Chain
ACADEMIC DETAILS
Master’s in Business Administration (Marketing and Systems) from IMIS, Bhubaneshwar in 2001
B. Sc. (Botany – Hons.) from Vinoba Bhave University, Hazaribagh in 1999
IT SKILLS
MS Office
Windows XP/7/8
Internet Applications
Systems & Networking
PERSONAL DETAILS
Date of Birth: 3rd
February 1977
Languages: English, Hindi, Bengali and Oriya
Mailing Address: Flat No., 601 GH 107, Sector 20, Panchkula, Haryana
Permanent Address: C/o. Sarwesh Sharma, Bankey Bazar, Gaya – 824217, Bihar