This document contains the resume of Youvraj Naruka. He has over 12 years of experience in operations, accounts, and collections. Currently, he works as a Collection Manager at L&T Finance, where he oversees collections for various loan products across multiple locations. Previously, he held positions at Magma Fincorp, Tata Motors Finance, and Citi Financial, where he gained experience in collections, field investigations, and customer processing. He has a MBA and BCA degree and is proficient in various computer skills. His hobbies include music and cooking.

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YOUVRAJ
“Ugam Bhawan”
Rasala Road Prithivipura
Jodhpur- 342001
Tel: 92510-40555--98293-61029
Email: youvrajnaruka@yahoo.co.in
12.08 years of Operations, Accounts & Collections Experience
Good Command over Computers / Cultural Savvy / Organizational Leadership
Fluent: English, Hindi, And Regional
Career Objective
To work in an aggressive team oriented environment to reach the climax of goals and achievements in the job
and relations with the help of ethical ways & manners.
PROFESSIONAL EMPLOYMENT
L & T FINANECE, Jodhpur
Presently Working with L & T FINANECE as a Collection Manager. Looking after Six agencies in L & T
Finance at Jodhpur, Bikaner & Kota handling TW,CV,CE,LCV,Auto,HL&Personal Loan.
Mar 2016 – Till time
 Taking care of collection of TW,CV,CE,LCV,Auto,HL & Personal Loan.
 Handling agencies for 0-N Bkt.
 Manage & motivate Field Executive in each team.
 Have Good Knowledge of handling agencies.
 Geographical knowledge of Jodhpur surroundings.
 Managed large portfolios, teams and agencies.
 Responsible for day to day collections.
 Training and pushing agencies for timely deposition of cash/repo.
 To achieve collection targets of the area assigned, ensuring meeting Target..
 Control bucket flow cases and focus on non- starters.
 Ensuring documented feedback.
 Ensuring legal guidelines are complied with while repossessing of products.
 Ensuring adequate Feet on Street? Availability area- wise / bucket- wise / segment- wise.
 Manage productivity by fixing productivity parameters for Agencies monitoring performance against
set parameters and Weekly review with the collection executives.
 Identify and manage training needs for the CEs.
 Support collection in legal / police issues.
 Ensuring timely and profitable disposal of seized stock & safe custody of seized products
 Monitoring calls, visits, giving feedback, Preparing reports and report to management on areas of
improvement.
 Conducting team meetings, pre/post/mid shifts.
 Create future prospects for company.
 Providing leadership, support and guidance to the Field team.
 Ensuring that the Field team complies with the goals, objectives and standards of the
organization in order to meet customer satisfaction and deadlines.
 Repossessing the default cases asset via agencies.
 Empanelling new repossession agencies and new stock yards.
 Visit parking yards and maintains stock report.
 To take care of disposal of repossessed asset and to do valuation and documentation of stock.
 To bring buyers and dealers to purchase the repossessed stock.
 Provide quotes and options to sell the stock.
 To keep a tab on issuance of NOC.
 Handling settlement of payments.

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Magma Fincorp Ltd., Jodhpur
Worked with Magma Fincorp Ltd as a Deputy Manager Looking after Jodhpur & Udaipur.
Feb 2012 – Feb-2016
 Take Care of Collection & FI of CV, SUV, CE, AUTO, Tractor & HL handling 0-90 Bkt.
 Presently reporting to STATE HEAD.
 Managing Jodhpur Locations in Magma Fincorp Ltd. In all I am presently handling a team of 15
collection executives.
Field Investigation Responsibilities
 Conduct Investigation on field for gathering the information about a Person, Place or situation.
 They work as a part of the investigating team and are involved in gathering valuable information from a
Crime/Fraud scene & investigate the situation Circumstances for gathering proofs, witness and other
references that bring forward the truth behind certain events.
 Conduct Surveillance on matters entrusted.
 Conduct thorough investigation of suspected frauds.
 Conduct background checks & activity checks of suspects.
 Gather information and evidences through face to face interviews.
 Gather recorded statement & documentation.
 Organize all the collected data and information.
 Investigate claims and matters relating to third party Vendors, agents or brokers.
Collection Responsibilities
 Daily Monitoring and suggesting the required action for High Value Customer.
 Sorting out customer problems and grievances.
 Allocating targets and following the executives in their execution.
 Updating daily MIS
 Mapping of broken ptps of bkt and passing feedback to team for required follow-up and resolution.
 Daily performance review of field staff.
 Maintenance of bkt collection tracker and daily collection report.
 Field visit on problematic cases and coordinating resolve and service dispute cases.
 To ensure minimal RF for month by doing higher rollback.
 To ensure cash collected is deposited branch with in specified tat.
 To ensure strict adherence of specified COC.
 Bridging gap between the Management and executives.
 Training the new collection executives.
MAJOR ACHIEVEMENTS
 Achieved National award in 2012-2013 for Best performance in the category of TL C & V for the SBU of
Jodhpur.
 Achieved National award in 2013-2014 for Best performance in the category of TL C & V for the SBU of
Jodhpur.
 Achieved National award in 2014-2015 for Best performance in the category of TL C & V for the SBU of
Jodhpur
 Company promoted me as a Deputy Manager in Mar-2014 for Best Performance.
 Retention of team members and keeping them highly motivated. Set examples by attempting collection
calls with them in the field. This is a regular practice that keeps my team and me highly motivated and
committed towards our objective.

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Tata Motors Finance Ltd., Jodhpur
Worked with Tata Motors Finance Ltd as a Asst. Manager. Looking after five Districts Jodhpur,
Udaipur, Bikaner, Nagour and Ganganagar.
Oct 2009 – Jan 2012
 Taking care of collection of CV & Auto Loan.
 Handling agency for 1-4 Bkt.
 Presently reporting to STATE HEAD – COLLECTION.
 Managing five Districts in Tata Motor Finance. In all I am presently handling a team of 8 collection
executives.
 Meeting customer directly for critical cases.
 MIS management and timely and accurate reporting to regional office and corporate office.
 Provide Accurate Data to Recovery Agency for repossession of vehicle.
 Segregation of Data & handing over to related agencies.
 Handling of customer queries related to collections.
 Laisioning between agency, customers & Tata Motor Finance.
 Implemented training course for new recruits.
 In Non-workable cases I have personally resolve these cases through regular Follows-ops, Visits,
Group Calling Legal Notices & Repossession.
Citi Financial Consumer Finance India Ltd., Jodhpur
Worked with Citi Financial as a officer. Looking after two agencies in Citi Financial at Jodhpur
handling Personal Loan.
Jan 2006 – Sept 2009
 Taking care of collection of Personal Loan.
 Handling agency for 0-90 Bkt
 Developing strategies and their implementation to ensure achieving organizational objective in
terms of keeping delinquency under control against targets both in soft and hard buckets.
 MIS management and timely and accurate reporting to regional office and corporate office.
 Managing two agencies in CITI Financial. In all I am presently handling a team of 25 collection
executives.
 Segregation of Data & handing over to related agencies.
 Taking care of documentation of agencies & Citi pertaining to Audit.
 Handling of customer queries related to collections.
 Laisioning between agencies, customers & Citi.
.MAJOR ACHIEVEMENTS
 Adopting principle of appointing bucket wise collection agencies to achieve goals at faster speed.
 Brought down delinquency in PL Product
 Retention of team members and keeping them highly motivated. Set examples by attempting collection
calls with them in the field. This is a regular practice that keeps my team and me highly motivated and
committed towards our objective.
Citi Financial Consumer Finance India Ltd., JODHPUR
Customer Process Associate (CPA)
 Ref No. Generation of all STPL files of NB/EB cases.
 Edition of files & final check. Knowledge of hard processing.
 Processing & checking of files from initial to disbursal stage.
 Tracking of files dispatched to HO & post disbursal tracking.
 Resolution of Problem files after disbursal.
 De-dupe maintenance & cancellation process.
 Follow up pending requirement for disb.files.

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The Umaid Fortune (Welcome Group of Hotels), Jodhpur Sept. 2005 – Dec 2005
Accounts Executive
 Full In charge for handling cash inflow at the bar counter (approx. 1 lac per day) and maintaining the
accounts of bar.
ACE Finance, Jodhpur July 2003 – Aug 2005
Operations Executive
 Full In charge of handling files, Making CAM’s (Customer Approval Memorandum), Processing, FI
checking and disbursement.
PROFESSIONAL SKILLS
I am an active, fast learner and good listener. Optimist and undoubtedly smart worker with cohesive team
working capability, I love challenges and trust in God.
EDUCATION / TRAINING
 MBA from GJU University, Hissar.2008
 BCA from MCRPV University, Bhopal in 2004
 Senior Secondary from RBSE in 2000.
 Secondary from RBSE in 1998.
COMPUTER PROFICIENCY
 Package: MS Office
 Language: C
 OOP’s: C++, JAVA
 Visuals: Visual Basic 6.0
 Web Technologies: ASP, VB Script, Java Script
HOBBIES
Music & Cooking.
Co-CURRICULAR ACTIVITIES
Participated as Captain (Volley ball) in Inter school games competition.
PERSONAL DETAILS
Father: Dr. Bhagwat Singh
DOB Feb.15, 1982
Sex Male
Marital Status Married
Nationality: Indian
REFERENCES
Mr. Ajay Singh Shekhawat
Collection Manager
Hdfc Bank Ltd
M No: -9783302549
Mr.Umaid Panwar
State Head
Magma Fincorp Ltd
M No: 8890631111
Date:
Place: JODHPUR (YOUVRAJ)

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