This resume is for Vidhyadhar Dashrath Pawar, who has over 20 years of experience in customer service and collections roles. His most recent role was as an Area Debts Manager at ICICI Bank, where he managed a collections team and portfolio. He is seeking a new position that allows him to apply his knowledge and skills in customer service and collections.

1. RESUME
Objectives:
To be associated with an esteemed organization that gives scope to apply my
knowledge & skills in the area of customer service-Collection. To obtain a
position and grade in the organization on sheer performance
VIDHYADHAR DASHRATH PAWAR
503, Niraj Park, Near Amrut Park, Khadak Pada, Kalyan (W) 421301.
Contact No. : (Res.) 91-251-6506616 /(Mobile) 9224310030/9004590873
Email: vidhyadhar2663@ttml.co.in
vidhyadhar_20@rediffmail.com
Date of Birth: 20th
July 1974
Educational Qualifications
April-1994 B.com From Mumbai University
Professional Qualifications
Diploma In Computer Science & System Analysis
Professional Experience
 Oct. 2008 till date Presently working as a “Area Debts Manager – ADM
in ICICI BANK LTD)
1. Handle all assigned collections, chronic / complex cases and
repossession at the Area office and ensure maintenance of a quality
collections portfolio
2. Lead and manage the team of Field Collection Executives/BRMs
3. Liaise with the Legal team and ensure adherence to SOPs, Process
Note Manual, Code of Conduct and other applicable norms
Indicative Tasks
• Handle all assigned collections, chronic / complex cases and
repossession at the Area office and ensure maintenance of a quality
collections portfolio
• Check the monthly list of defaulters provided by the Operations team
and verify against dues collected to arrive at a final list
• Track and monitor the collection progress vis-à-vis the target on a daily
basis.
• Monitor the database of defaulters
• Monitor closely shortfall recovery cases
• Ensure that customers under the probable NPA list are contacted
immediately; Follow up personally on these cases
• Ensure rigorous follow up so that cases do not progress into subsequent
buckets

2. • Coordinate with the sales teams at regular intervals on ED & NS cases
• Make calls or personal visits to follow up/collect payments from chronic
customers and customers with large over dues
• Plan and organize the sale of repossessed and surrendered vehicles, on
necessary approvals
• Identify and appoint yard for repossessed vehicles, as and when
necessary
• Provide recommendations to Credit/Sales teams on intentional
defaulters and alert on alarming customer segments and demarcating
negative areas
• Alert Credit team in cases where there has been an oversight during
Field Investigation
• Ensure that all customer queries/complaints are responded to the
satisfaction of the customer
• Regularly monitor and control collection costs vs. budget
• Devise strategies to maintain a high quality portfolio in the area
• Monitor and ensure receipt management
• Review the Collections MIS for tracking and analyzing Area performance
• Send monthly status report to the Operations team regarding pending
cases for the branch
• Liaise with HO on daily collections progress
2. Lead and manage the team of Field Collection Executives/BRMs
• Allocate and divide responsibilities to Field Collections Executives/Team
Leads/BRMs, based on factors such as bucket categories, localities, etc.
• Track the number of calls/visits made by the team and monitor their
performance on a daily basis
• Encourage team to document customer replies and follow up with the
customers actively to ensure that the payment is made
• Guide the team to work with the Sales team in handling ED and NS
cases
• Monitor and track the Daily Collections Report (DCR) or Hands off sheet
of teams member on a regular basis
• Support and guide the team on handling large ticket and difficult
customers cases involving crisis, threat, etc.
• Ensure that the team members receive adequate training on collection
techniques
• Escalate all infrastructure requirements for collections at the branch
• Ensure that the teams adhere to the SOP / compliance / statutory
norms when contacting customers
3. Liaise with the Legal team and ensure adherence to SOPs, Process Note
Manual, Code of Conduct and other applicable norms
• Work with the Legal team to ensure that warning letters, pre/post
seizure letters are sent to defaulters in a timely manner
• Share customer and contact details with Legal team for action, as
appropriate

3. • Coordinate with the Legal team and External Repo agency during
repossession of vehicles
• Coordinate with the Legal team and External Auction Agency during sale
of repossessed vehicles
• Escalate reciept of court summons, litigation against Chola VF, etc. to
the Legal team
• Liaise with Legal team on litigation (e.g: cases under Section 9 and
Section 138)
• Keep record of all FIR and other legal documentation in the area
• Ensure payout to Collections agencies, Vendors, Valuers, etc., as
appropriate
• Raise requests for miscellaneous legal payments, fees and expenses for
the branch, (in case of non availability of Area Legal Manager) for
approval by the Regional Receivables Manager
 Sept. 2007 to Sept. 2008 worked as a “Collection – CRO_ Cluster
Lead in Reliance Communications(ADA group)
.
Profile : Handling Hard Recovery
 Manage the hard collection activities of the circle
 Ensure 40% collection from Debtors day 60+
 Manage hard collection agencies
 Resolve customer disputes
 Impart appropriate training to team members
 Analysis of feedback to and from agencies
 Monitor agency performance
 Training & Motivating FOS and Tele-callers.
 Monitoring & Analysis of agencies performance on daily basis
 Meeting collection targets of assigned agencies
 Processing agency billing & incentives for agency fos & Team Leader
 Sept. 2004 – to Sept. 2007 worked as a “Customer Service Exec. -
Collection in Tata Teleservices (Maharashtra) Limited.
Profile : Handling soft & Hard Recovery
Collections Responsibility.
 Collection (hard & soft), business retention, and voluntary and
Involuntary churn and fraud management.
 Responsible for in house and outsource collection.
 Responsibility of OGB, TSP , & Disconnection Collection
 Responsible Outgoing/Incoming Barring & Unbarring of subscribers
 Responsibility of large corporate, VIP customers collection when
Suspended in phase.
 Waivers & Adjustments in Billing System
Managing agencies.

4.  Collection, business retention agency coordination, training and
certifications.
 Set up of agencies.
 Appointment and termination of agencies whenever required.
 Streamlining operations at agency.
 Handling Agencies (Hard) for 90 days & 180 days old customers.
 Training & Motivating FOS and Tele-callers.
 Monitoring & Analysis of agencies performance on daily basis
Client interaction.
 Interaction with clients/customers.
 Resolving problems of the customers.
 Visiting customer for collection corporate cases & client with high-billed
Amount.
 Create a positive image of the company in the eyes of the corporate
Customers and build a healthy and long term relationship
Credit control, fraud and dunning actions.
 Credit controlling and monitoring with the help of In house team.
 Coordinate with fraud control team.(FMS Team)
 Take an appropriate action against fraud customers.
 Special credit check on newly acquired customers (Multi Del
activations).
 Take a barring action against cheque bounce customers.
 Coordinate with the legal department for legal notice against deactivate
and fraud customers.
 Issue legal notices and cheque bouncing reports under Section 138.
 CAF Auditing (Checking the quality of caf form handling database
management.
 Handling database! & bill provisioning of 60+ days old customers.
Bills delivery and logistics.
 Coordinate with bills delivery and logistic department for the timely bill
delivery in zone.
 Take an immediate action in cases of bills are not delivered.
 November 2003 – September 2004 worked as a Head Cashier in
Trimurti Holidays.
Profile : Responsible to the cash & Banking function and handling Foreign
Exchange
 Acceptance of Cash/Cheques/Payment through Credit Card.
 Liaison with bankers for Telegraphic Transfer.
 Passing bill of hotel, transporter etc. day today.
 Maintaining Journal books of account.
 Preparation bank reconciliation statement.
 Dealing with bank & financial institute.
 Disburseme8nt of petty cash expenses.

5.  Dealing of Foreign Exchange like Buying, Selling & Transferring
Currency & Checking currency notes Travellers Cheques.
 Jan. 2000 – November 2003 worked as a Cashier-3 (Exec.) in Advani
Pleasure Cruise Co. Pvt. Ltd. at M. V. CARAVELLA Vessel cooperation with
Casino’s Austria, International.
Profile : Responsible to the cash desk management in absence, casino
management. Knowledge of hard count & soft count.
 The execution of all cash related operation in the casino
 The recording of all administrative & book keeping related data.
 The ensuring of sufficient supply of cash & chips for the casino.
 Maintaining Journal books of account
 Preparation bank reconciliation statement
 Dealing with bank & financial institute
 Handling statutory payments, TDS returns & Payroll processing.
 May 1998- May 2000 Worked as Distribution Asst. Manager in LPG
Dept. in Bharat shell Ltd.
Profile : Responsible for product movement from the time LPG
is received at our terminals till receipt by receipt by
end User both bulks & bottled
 Dispatch LPG (Packed as well as Bulk) Business
 Coordinating Customers, Dealers & Sales Staff LPG Business
 Finance
 MIS
 May 1995-1998 Worked as a Trainee cashier in National Organic
Chemicals Limited in Petrochemical Division (NOCIL-PCD)
Profile : Handling General Accounts Cash & Banking Transaction.
 Preparation of remittance advice & cheques.
 Deposited of cheque in to the bank
 Preparation bank reconciliation statement for the month at the
beginning of the next month.
 Controlling of sub ledger of advance deposit.
 Accounting of vouchers.
 Maintaining journal ledger account.
 Reconciliation of accounts controlled by the cash section
 Post daily cash summery into journal ledgers.
 Maintaining scrap register
 Preparation of cash payment vouchers & receipt vouchers
Present Salary :- 8.40 lacs Per Annum
Expected Salary :- 12 lacs & Above

6. Location :- Any where

7. Location :- Any where