1. GAUTAM KUMAR SHARMA
Contact No.: 08288097275
E-mail: gautta@yahoo.com
Seeking senior level assignments in Collections & Recovery / Credit & Risk Management / Sales & Marketing
with an organization of repute; preferably in Banking / NBFC
Professional Snapshot
 Offering nearly 15 years of rich and extensive experience across Banking and Financial Services industry.
 Currently associated with ICICI Bank Limited as Area Debt Manager – (Punjab, Haryana & Himachal) Agri
Loans .
 Completed MBA (Marketing) from Institute of Management and Information Science(IMIS)Bhubaneshwar in
2001.
 Expertise in risk assessment, which involves analyzing risks as well as identifying, describing and estimating
the risks affecting the business.
 Thorough knowledge of collection & recovery procedures and regulations; managing collection processes and
new initiatives while ensuring adherence to established guidelines in overall liquidation and effectiveness in
maximizing return and mitigating risk.
 Skills in appraising credit proposals & scrutinizing relevant documents before sanctioning / disbursing the
credit/loan, ensuring compliance with organizational credit policies.
 Strong communication, relationship building, interpersonal and problem solving skills.
Core Skills
Credit Control & Collection Risk Management Credit Appraisal
Debt Management/Recovery Delinquency Control Portfolio Management
Process Management Complaint /Query Management Team Management/Training
Employment Scan
Since Aug’06 with ICICI Bank Limited. Presently working as Area Debt Manager – (Punjab, Haryana &
Himachal) for Agri laons.
The Growth Path:
Aug’06 – May’10 Debt Manager (EMCT for Jaipur Spokes.)
Jun’10 - Jun’11 Debt Manager – Raj2 for Agri loans (Jaipur Spokes,Sikar,Bhilwara)
Jul’11 - May’13 Debt Manager – Jaipur,Dausa,Shahpura, Kotputli ,Alwar.(EMCT+Agri)
Jun'13 onwards Area Debt Manager – Punjab,Haryana and Himachal (Agri loans.)
Role:
 Responsible for handling portfolio of Agri Loans with help of the Debt Managers for Punjab, Haryana &
Himachal for all buckets.
 Formulating product strategies to control delinquency ratio and introducing new processes & reports for
efficient & cost effective collection.
 Performing administrative tasks such as maintaining records,filing of cases and handling debt management
inquiries.
 Keeping abreast of the market trend and the geographical changes.
 Involved in providing market reference to the credit about defaulters.
Highlights:
 Successfully handled legal issues pertaining to portfolio in coordination with the lawyers in Rajasthan
,Punjab,Haryana to file cases under sec. 156/3,138 of IPC and civil suits and DRT.
 Initiated RODA in Rajasthan, HACO in Haryana and Punjab Agri Act in Punjab without lawyers .
 Initiated filing of PLA cases for better and cost effective control of delinquency in Punjab and Haryana.
 Achieved the targets of collections without increasing NPA in the assigned portfolio.
 Won in R&R (Go Lead) 2 times.

2.  Trainer for Collection process for North.
 Knowledge of Commercial Vechile, Auto, Home ,Two wheelar, Pl and Agri loans.
 Instrumental in maintaining A+ rating in Audit and achieved more than the set targets in all locations.
Previous Assignments
Jan’05 - Aug'06 with HDFC Bank Limited as Collection Manager (All products) for Alwar hub
Role:
 Handled collections for Commercial Vehcile, BL , Auto, PL and Two-wheeler loans for Alwar, Bhiwadi,
Bharatpur, Shahpura and Kotputli.
 Took care of yard management and handled disposal of assets.
 Agency set-up in new locations.
Highlights:
 Successfully achieved collection targets and maintained delinquency below 1% in 90+.
 Played a major role in disposing all repossessed stocks within the specified time frame.
 Devlopment of collection setup in Alwar.
July’03 – Dec’05 with Ashok Leyland Finance, Rohtak as Marketing Officer
Role:
 Sales of Smart fleet cards and collection of overdue amount.
 FI and sales for Auto and CV loans.
Highlights:
 Constantly achieved the targets of sales & collections.
 Promoted twice in a short span of 1.5 years.
Jul'01 to Jun' 03 with Saffron International as Sales Officer.
Role:
 Responsible for handling distribution network to achieve sales targets.
 Organized various sales promotion activities.
Education
2001 MBA (Marketing and Systems) from IMIS Bhubaneshwar.
1998 B.S.C(Botany)from Vinoba Bhave University Hazaribagh.
1994 10+2 from D.A.V Public School Moonidih ,Dhanbad.
1992 10th from D.A.V Public School Moonidih ,Dhanbad.
Personal Details
Date of Birth: 3rd
February 1977
Address: Flat no 601 GH-107, Sector-20, Panchkula, Haryana- 134109
Permanent Address: C/O Sarwesh Sharma Bankey Bazar, Dist Gaya ,Bihar – 824217.
Languages known: English, Hindi, Bengali and Oriya.