Abhinav Kumar Agarwal is an experienced operations and accounts receivable specialist. He has over 18 years of experience managing accounts receivable, business operations, and teams of over 150 people. His career includes roles at Vertex Customer Management, Alankit Assignments, STA Credit Experts, and Anil Vidyarthi and Associates, where he specialized in accounts receivable, collections, credit processing, and operations management. He has strong skills in process improvement, cost reduction, and managing large volumes of accounts and transactions.

1. ABHINAV KUMAR AGARWAL
1202, T-6, Civitech Florencia Park Sapphire, Ramprastha Greens,
Vaishali, Ghaziabad, Uttar Padesh-201010
8586033006 (Cell), abhi130277@gmail.com
~ Chartered Accountant (2005)~
Account Receivable ~ Operations Management specialist
Professional Summary
• Thorough Accounts Receivable Specialist who is able to maintain accurate active and archived
receivables records. Adept at computer filing utilizing even the most complex computer
system and auditing receivables to create an accurate aging report. Specializes in service
companies.
• Abilities in coordinating with internal/external customers for running successful business
operations and experience of implementing procedures and service standards for business
excellence.
• Accomplished operations and performance-management professional with more than 18
years of solid operations, strategic-planning, business-expansion, and organizational-design
experience.
• Motivated achiever and proven bottom-line contributor with solid record of revenue recovery
and cost reductions through process redesign, savvy contract negotiation, organizational
reengineering, and human-resources management.
• Enthusiastic problem-solver with keen ability to rapidly assess diverse situational challenges,
develop action plans, and lead team to meet or exceed targeted goals.
• Conducting internal process audits & process reviews for ensuring strict adherence to the
process parameters/systems as per defined guidelines.
Key Result Areas
Accounts Receivable Specialist:
During association with Vertex (Oct 2013 to Sep-2015) and Alankit (May-2008 to Sep-2013) (total
7.5 Years) I have managed accounts of 5000+ NPS Clients, 1500+ franchise and 200+ vendors. I was
responsible for
• the accounts receivable and collection activities of a company.
• resolving and tracking all payments and ensuring they are paid as and when due.
• organizing and maintaining all accounts receivables active files.
• monitoring all active accounts receivable activities and generating a weekly report for
management.

2. • maintaining proficiency in data entry, via various technologies and resources.
• logging all receivables invoices and keeping an accurate aging report.
• worked closely with accounting team to monitor customer account activity
• carrying out account analysis and research on behalf of the company
• identifying what needs to be changed in the accounts receivable processes of the organization
and implementing such adjustments in agreement with the top management of the
organization
• forwarding accounts statement to the company’s vendors
• reconcile the accounts receivable to the general ledger
• resolving all outstanding payment issues
• communicating via mail, email or phone with customers
• resolving all inquiries requested by customers after proper investigation
• implementing setup of all external web based Franchise/Vendor Partnership Portals reducing
processing time and eliminating manual intervention
During association with STA Credit (Jan-2001 to April-2008) and Anil Vidyarthi and Associates (Jan-
1999 to Dec-2000) (total 9.5 Years) I have managed accounts of 3000+ customer on monthly basis. I
was responsible for
• Managing Credit Processing Agency, FI & Collection Agency and Banking Operations Agency
of ICICI Bank
• Analyzing the proposal of customers for taking approval of deviation cases and disbursement
of loan amount.
• Analyzing the customers detail collected by FI executives and Defaulter analysis.
• Getting the resolution by motivating collection supervisor & executives.
• managing Collection Agency managed avg. monthly volume of 3000 cases with POS of Rs.2.5
crores
• managing Banking Operations Agency of ICICI Bank, managed the monthly banking 10000
cheques of all products, reconciliation of Bank Statements and customer accounts.
• Preparing MIS & reporting the same.
Operations Management:
• Managed end to end processing of PAN/TAN/e-TDS applications
• Managed scanning and storage of 3.5 crore forms (15 Crore pages)
• Ensuring timely retrieval of physical and scanned images of documents as and when required.

3. • Utilized extensive quantitative and qualitative analytical capabilities to manage operations
and developing improved processes.
• Managing TAT of uploading of Applications
• Channelize the process and procedures for minimizing the deviations and penalties.
• Analysis of existing process and formulating plans for improvement to deliver best services
with zero deviations.
• Restructuring the process with the IT tools to make the process automated and reduce the
cost of operations.
• During association of 5 year with Alankit restructure the process and reduced the manpower
and operational cost by 30%.
• In Vertex as well restructured entire PAN process and cost of operations got reduced.
• Managed team of 100 people at HO and 20 Regional Offices.
• Designed the complete solution for TIN and NPS project to automate the system.
• Designed the complete solution for automated MIS from the system.
• Data analysis and MIS Preparation.
• Managed the operations with the lesser people though quantum of work increased.
• Increase profitability
• Reduced cost of operation
MIS and Management Reporting:
• During my career I have developed various tools to provide timely and accurate MIS based on
available data.
• It helped in monitoring the processes and management decision in a defined timeframe
manner.
Profit Centre Management:
• Formulating strategies, with accountability for profitability, forecasting and preparing annual
budget.
• Developing a comprehensive plan for increasing profitability of the company.
• Managing complete business operations with accountability of profitability, forecasting
revenue targets & executing them in a given time frame.
Projects Managed:
During my career I have managed different project. Major projects are highlighted hereunder:

4. • TIN (Tax Information Network): Managed entire TIN project for Alankit and Vertex. These
are principal agent for NSDL to accept and process PAN, TAN, e-TDS, AIR services through its
branches/franchise. I was responsible to manage end to end service for the same. Around 40
millions of PAN application and 20 millions of e-TDS statements were managed.
• CRA (Central Record Keeping Agency) – FC : Alankit NSDL is one of the CRA FC for NSDL-
CRA for PFRDA. As CRA-FC head I have managed end to end processing of 1 million NPS
application submitted by NPS intermediaries at Alankit CRA-FC branches.
• POP and Aggregator for PFRADA for NPS: Alankit is one of the POP and Aggregator of
PFRDA for sourcing NPS account from general public. As head of this department in Alankit I
have managed 5 lacs NPS Accounts sourced through Alankit branches.
• Verification and Processing Agency : During my career of 8 years with STA, I have managed
more than 6 lacs address verification and processing of Car/TW loan applications.
Business Development:
• Exploring & developing new area for acquiring govt. and non govt. projects for promoting the
organization’s service;
• conducting competitor analysis by keeping abreast of market trends & competitor to achieve
market share metrics.
• Implementing strategies for acquiring business from clients & using the potential of existing
accounts.
• Strengthen the franchise network. In Alankit from 600 branches in 2008 to 1500+ branches in
2013 and in Vertex 550 branches in 2013 to 1000+ branches in 2015.
• Got the Alankit associated with cooperative banks and other organizations to cross sell
companies product.
Training and Development:
• Developing training strategies and plans aligned with training objectives.
• Coordinating with training team and ensuring timely delivery.
• Developing and delivering individual training/coaching and instructional programs,
encompassing a wide range of technical, operational and management issues in terms of skills
and attitude.
• Facilitating specified development activities, such as planning retreats, team building
programs, organisation analyses and restructuring exercises.
• Evaluating effectiveness of training and development programs and utilising relevant
evaluation data to revise or recommend changes in existing process.
Relationship Management:
• Building and strengthening relationships with key accounts, opinion leaders, thereby
ensuring high customer satisfaction by providing them with complete product support.
Conducting Group Meetings and setting up and managing Key Accounts for the organization.

5. Team Management:
• Mentoring & training personnel for the team for ensuring optimum performance to deliver
quality services in market. Monitoring and motivating the manpower along with ensuring
quality deliverables in the market.
• Managed team of 150+ people
Career Contour
A-Square e-Governance Services
(Independent Consultant) (Oct-2015 to till Date)
Vertex Customer Management (India) Pvt.Ltd.
DVP & Business Head (Network Business) (Dec-2014 to Sep-2015)
(Independent Consultant) (Oct-2013 to Nov-2014)
Alankit Assignments Ltd.
VP & Business Head (May-2008 to Sep-2013)
STA Credit Experts Pvt. Ltd.
Managing Partner (Jan-2000 to April-2008)
Anil Vidyarthi and Associates
Agency Manager (Jan-1998 to Dec-1999)
IT Skills: MS Word, Excel, PowerPoint and Process analysis and work flow designing with software logics,
Software Testing
Academic Credentials
2005 Chartered Accountant
Personal Dossier
Date of Birth: 13th
Feb 1977
Linguistic Abilities: Hindi and English

6. Team Management:
• Mentoring & training personnel for the team for ensuring optimum performance to deliver
quality services in market. Monitoring and motivating the manpower along with ensuring
quality deliverables in the market.
• Managed team of 150+ people
Career Contour
A-Square e-Governance Services
(Independent Consultant) (Oct-2015 to till Date)
Vertex Customer Management (India) Pvt.Ltd.
DVP & Business Head (Network Business) (Dec-2014 to Sep-2015)
(Independent Consultant) (Oct-2013 to Nov-2014)
Alankit Assignments Ltd.
VP & Business Head (May-2008 to Sep-2013)
STA Credit Experts Pvt. Ltd.
Managing Partner (Jan-2000 to April-2008)
Anil Vidyarthi and Associates
Agency Manager (Jan-1998 to Dec-1999)
IT Skills: MS Word, Excel, PowerPoint and Process analysis and work flow designing with software logics,
Software Testing
Academic Credentials
2005 Chartered Accountant
Personal Dossier
Date of Birth: 13th
Feb 1977
Linguistic Abilities: Hindi and English