Mohammed Mehraj has over 12 years of experience in collections and recoveries. He is currently working as the Manager of Retail Unsecured Portfolio at HDFC Bank, where he manages a team of 35 employees and oversees the collection of 0.75% of the portfolio size on average. Previously, he held positions at Citifinancial and Standard Chartered Bank, where he was responsible for collections, account management, and team supervision. He aims to contribute his skills to help organizations achieve their goals and further his career growth.

1. CURRICULUM VITAE
MOHAMMED MEHRAJ
Business Address Residential Address
H.NO 7-44, Raju Colony,
HDFC BANK LIMITED Balanagar R R Dist
BEGUMPET OPP SHOPPERS STOP Hyderabad -500042
HYDERABAD ANHDRA PRADESH
Email Id mohammedmehraj81@rediffmail.com
Mobile 9346598898 & 7893217264
Designation Manager Retail Asset Collections & Recoveries.
JOB ROLE – Retail Unsecured Portfolio Team size 35 Memebers.
Objective: To work in a challenging position for a professionally managed organization
and contribute my skills to achieve organizational goals and my career growth.
Work History:
Present Working With HDFC BANK LIMITED:
Working as Manager for Unsecured Retail Portfolio Write-off pool from June’2008 to till
In HDFC BANK LTD 7.8 Years Completed.
Total Work Experience 12 Years + In Collections & Recoveries
Responsibilities:
As per Reserve Bank of India (RBI) DRA Training is conducted to the executives & closely
monitored while they attending classes or not.Their has been consistency in the
performance. On an average we are recovering 0.75 % of the portfolio size. Handling
Three Agency Managers and monitoring their performance. Timely allocation of total
portfolio and review of accounts.Maintaing the account wise detail in terms of both Soft
Copy and Hard copy for Day to day activity.
Focus on executive productivity in terms of both field & technical ways.
Analyzing the portfolio with regard to workable and non workable accounts.
Setting targets across the agencies.
Closure of high risk accounts.
Preparation of MIS Daily & weekly audit of receipt books.
Ensure the productivity and efficiency of the collection agency is above the expected
level.

2. Visiting the agencies on every alternate day & track on the payments collections.
Escalating issues to the sales and credit regarding the Non-Starters and early defaulters.
Escalating the intentional fraud accounts to the risk management.
Ensured that the process and procedure of the company is adhered to.
Documentations on agency performance and review.
To review accounts and file legal cases as & when require.
Setting monthly & weekly targets that the same is met.
Managing a growing portfolio with reduced capacities by improving individual field
efficiency levels.
Ensured that the agency bills are raised on time and the same is credited to them.
Legal (intitiatives taken to help Recovery)
Using the legal tools effectively to recover the dues from the intentional customers.
Every month continous filing lok-adalat on intention cases & also filing Sec-138 on high
pos accounts
PREVIOUS COMPANY ROLE Sr Officer :
CITIFINANCIAL: Worked as Officer Credit & Risk for STPL Recoveries from Feb-07 To
June’2008.
Branch Visit & Customer Visit as and when required. Handling fraud control activities for
retail asset products like Personal Loan Small Ticket Size.Investigation of every
document fraud cases to check who has indulged in the fraud and bring the same to
logical conclusion.Investigation of fraud cases where we have already extended loan to
check the loop holes in our entire loan approval & disbursement process To undertake
audit of various task assigned as per the audit calendar within the TAT Time.
Responsibilities:
Handled the Unsecured write-off portfolio of STPL.Responsible for 5 agencies
performance.
Handled 30 Executives & 5 Team Managers & Maintaing Visits Contact Report on
Weekly Basis
Maintaining MIS related to agency collections and field executives collections on daily
basis
Assisting the executives on field Responsible for allocation for cases and preparation of
management information reports Legal, Skip and Performance over all.Coordinating with
legal wing for filing legal cases against default customer.Visiting the write-off & high
risk accounts personally.

3. Capacity review and performance analysis &Ensured that the process and procedure of
the company is adhered to.
Documentations on agency performance and review.
Closure of high risk accounts.Updation of trails on each & every account on daily basis.
Responsible for allocation for cases and preparation of management information reports
Legal, Skip and Performance over all.
Closure of high risk accounts.Ensure the collection agencies are Well Equipped and
adhere with the bank code of conduct. Ensured that the agency bills are raised on time
and the same is credited to them.
Previous Company Role Team Manager
(IRIS- CHANNEL PARNTER FOR STANDARD CHARTED BANK: Worked as Team Manager for
Standard Charted Bank For Credit Cards in Hyderabad from June’2003 to Dec ’2007.
Responsibilities:
Handling the entire operations of the Tele calling agency & a Team of 15 Executives.
Motivating the Executives towards the achievement of the set targets, and monitoring
their performances from time to time. Collection Related: Responsible for collections
from the delinquent customers
Operation Related: Banking of the post dated cheques on a daily basis of the branch and
its child branches. Update the branch and head office about the collections and
reconciliation of the receipts books. Responsible for Bank reconciliation.
MIS Related: Responsible for preparing the reports regarding delinquency, non- starters,
legal, collections, fraud and skips.
Agency Management:
Managing profitability by introducing contests and planning incentive structure for the
field staff thereby ensuring that all productivity and performance benchmarks are
consistently achieved.
Training and development of the field force to increase productivity and ensure quality
response to customers.Providing regular MIS to management and agency on productivity
and monitoring the pulse of the portfolio.Issuing the performance letters to the
agencies month wise.
Strengths: Ability to lead and motivate team
Able to work in National & International Level.
Excellent communication and inter personal skills
Achievements:
Consistent in achieving the given targets both in Recoveries and flows.

4. At HDFC BANK is being selected for prestigious award on Completion 5 Years
Successfully.
At HDFC BANK Ltd, the team is being selected for RAKS Award for prestigious
award given by HDFC BANK LTD in Retail Asset Collection across the Country.
Conducted in the Year Feb-2009
At Citi Financial, the team is being selected for CREDIT ELITE Award for prestigious
award given by CITIGROUP in collections across the Country.
Academic Qualifications:
B.Com. – Computers (1999 to 2002) from Osmania University
Post Graduate Diploma In Computer Application done in the year (P G D C A)
Personal Profile:
Fathers Name M A ABDUL JABBAR
Languages Known English, Hindi & Telugu
Marital Status Married
References Available upon request
Place : Hyderabad
Date : 02/03/2016
Pass Port No: E3446784
(MOHAMMED MEHRAJ)
Mobile no 9346598898 , 7893217264