1. CURRICULUM VITAE
SAURABH SHAH
C-12, Sumel Flats, Niyojannagar, Near Shreyas Crossing,
Ahmedabad-380015
Mobile-09712995845
E- Mail - mesaurabhshah@yahoo.co.in
Career Objective :-
To be an innovator and to be recognized in the industry for my dynamism, dedication and good
interpersonal communication skills.
Educational Qualification :-
B. Sc ( HONS.) Gurudas College Calcutta University
H.S(Higher Secondary) Shri Jain Vidyalaya WBCHSE.
Madhyamik Shri Daulatram Nopany Vidyalaya WBCSE.
Professional Profile:
March 2012 – Till Date
Company: Indusind Bank
Location: Ahmedabad
Designation: Manager
Job Profile : RCU(Risk Containment Unit) & Collections
RCU
I am responsible for the below mentioned RCU activities for Gujarat.
a>The Sampling Activity for the entire Gujarat Region.
b> Sampling report to be reviewed for correctness and completeness.
c>Have been able to identify multiple frauds and immediately took action against them such as
recovering the fraudulent amount etc.
d>Ensuring all daily de-dupe files are reviewed thoroughly.
e>Credit Referrals to be managed and closed for the entire Western Region.
COLLECTIONS(Credit Cards, PL,BIL & LAP )
I am responsible for the below mentioned Collection activities for Gujarat.

2. a>Manage the portfolio assigned with the help of through the outsourced collection vendor and
ensure required capacities in place.
b>Ensure daily reviews are conducted with Supervisor and FE’s.
c> Ensure no severe audit comments & Service Quality recommendations are incorporated in
processes.
d>Processes laid down as per Collections Manual are implemented at the vendors.
e>Ensure all SRs/escalations are resolved and responded with qualitative feedback on priority.
f>Source and provide feedback available for new location launches and customer profiles to
business/credit etc.
g> Work towards enhancing productivity and capacity rationalization leading to cost monitoring.
June 2011- February 2012
Company: Indusind Bank
Location: Kolkata
Designation: Assistant Manager
Job Profile: Collections
Responsible for Credit Cards Recoveries ( Money Collection) with the help of two field agencies and
one telecalling agency
March 2008 – May 2011
Company: Deutsche Bank
Location: Kolkata
Designation: Assistant Manager
Job Profile: Collections
Responsible for Credit Cards Recoveries ( Money Collection) with the help of two field agencies
and one telecalling agency(June 2010-May 2011)
a>Data are being shared with legal team as and when asked for, cases pertaining to
insolvency, sec 138, title suit, sec 144 are being treated individually and case to case basis.
b>Projecting stock and planning for next month in advance, identifying the weak areas and
highlighting in advance
c>Our main focus area is reducing the cost of collections. Our focus is to reduce the cost of
collections below 20%.
d>Processes as and when changed are being immediately communicated to vendor in proper
way. Paramount focus is on the existing process. Zero tolerance on any lapse.

3. Responsible for the Personal Loans and Home Loan Portfolio for Risk Bucket 1( March 2008-
May 2010)
a>Ensured proper ACR( Accounts per Collector Ratio) being maintained .at agency level vis-à-vis the
market trend as per maintaining the market trend .Ensured that the TC’s and FE’s are all DRA Trained
across Telecalling and Field Teams.
b>Ensured that the TC’s and FE’s and Supervisors working for db portfolio are properly trained and
abide the code of conduct ,with a proper certification(DRA) by IIBF.
c>Reason codes being properly verified ensuring the sensitive nature of the business and its impact on
the future decision making.
d>Highlighting fraudulent cases and negative areas which act as a credit feedback.
July 2007- February 2008.
Company: GE Money (SBI Cards)
Location: Kolkata
Designation: Executive- Payment Assistance
Job Profile: Collections
a>Managing total ENR of Rs. 4.5 crore(Risk Bucket 3) of Credit Card collection with the help of 2
supervisor and 15 Field executives.
b>Managing to set processes and monitor activities.
c>Managing allocation of delinquency data to agencies.
d>Managing to review collection agencies and collectors as and when situation demands.
e>To maintain relationship and achieve customer satisfaction.
f>Managing the Field Investigation through Agencies and responsible for the same.
g>Outstanding control over Credit Card collection as per the company norms
June 2006 – June 2007
Company: CITIGROUP GLOBAL SERVICES LIMITED
(Formerly e-Serve International Limited).
Location: Kolkata
Designation: Customer Assistance Officer
Job Profile:

4. a>Handling an ENR of 1.5 Crores (Risk Bucket 1,2,3) of Rewrite Portfolio with the management of
Agency.
b>Solving out the queries of the customers.
c>Calling up and Visit if required those customers whose payments have not come in by their due
date and collecting the payments before their billing dates.
d>Meeting customers directly to solve their disputes.
Personal Details :-
Date Of Birth: : 20.06.1984
Father’s Name: : Mr. Ashok J Shah.
Nationality : Indian
Religion : Jain.
Mother tongue : Gujarati.
Languages Known : English , Hindi, Gujarati & Bengali .
Location Preferred : Anywhere
Place : Ahmedabad
Permanent Address : KOLKATA, WEST BENGAL
REFERENCES: Will be provided on requirement.
Date:
SAURABH SHAH