Sushant Agarwal is seeking new career opportunities and has over 8 years of experience in debt management, operations management, and customer retention in the banking sector. He has held positions at HDFC Bank and ICICI Bank, where he was responsible for tasks like managing loan collections, reducing delinquencies and non-performing assets, training new employees, and establishing new collection agencies. Sushant has an MBA and aims to leverage his communication, analytical, and relationship building skills to further his career in a leading organization.

1. SUSHANT AGARWALSUSHANT AGARWAL
Mobile: 9829851386
E-Mail: sushantagar@gmail.com
In quest of career enrichment opportunities in a leading organisation .
Professional Synopsis
 A result driven professional experience of more than 8 years in the areas of Debt Management,
Managing operations, Team Leading, Managing Delinquency, Retaining customers Agency
Handling in the leading organisation.
 Adept at handling day to day cash and accounting functions in co-ordination with internal /
external departments for smooth financial operations.
 Strong business acumen with skills to remain on the cutting edge , augmenting & streamlining
channel networks.
 Exceptionally well organised with a track record that demonstrates self motivation, creativity, and
initiative to achieve both personal & corporate goals.
 A keen analyst with exceptional communication, negotiation and relationship management skills
and abilities in liaising with external environment .
Organisational Experience
H.D.F.C. Bank Ltd., Jaipur July’12 -till date
Manager – Gold Loans collection
Chief Tasks Handled
 Responsible for Gold Auctions taking place across location handeled and minimize M2M
losses and Post sale escalations
 Responsible for keeping track and advising the customers to take positions.
 Responsible for resolving customer grievances.
 Responsible for delivering numbers and training new setup of HDB in Jaipur
HDFC Bank LTD-Delhi Feb’10-june’12
Deputy Manager –Credit Cards
 Collection Agency Management – empanelment of new agencies, analysing the performance of
existing agencies.
 Training the agency staff, reviewing the performance on daily basis, holding regular training
sessions.
 Responsible for reducing delinquencies for the recoveries credit cards.
 Analysis of the delinquent portfolio and devising strategies for collections.
 Working on various software: Main Frame , Finware, Finnacle APS etc.
 Responsible for the regular auditing of the agencies and to ensure that they working with in
the code of conduct of banking.
 Maintaining and analysing the MIS to ensure proper management of the delinquencies to
reduce the NPA of the organisation.
 Having skills to trace out non contactable and skip cases.
ICICI Bank Ltd., Udaipur Aug’08-Feb’10
Debt Manager - Small Ticket Personal Loan.
Key Responsibilities:
 Framing result-oriented business generation plans & policies for attainment of pre-designated
profitability/ revenue estimates.

2.  Identifying new viable avenues to augment business generation.
 Optimising customer service levels through delivery of outstanding services.
 Keeping track of cheque collections; maintaining receivables systems and managing overall
liquidity positions of the existing delinquent customers.
 Ensuring compliance with various statutory requirements as per audit guidelines and
regulations laid down by various acts governing banking operations.
Achievements
 Throughout received A+ rating in audit compliances.
 Reduced cost of collections by 5%.
 Successfully cleared payment bills of vendors amount 5 lacs pending from the last 18 months
within 6 months of service.
 Managed successfully channel network for bank – Collection Agencies
 Established 2 new agencies for the bank which are doing best among all agencies.
 Rated ‘2’ under ICICI bank Annual Assessment within 9 months of elevating career
Part Time Assignments
ICICI Bank, Johari Bazar, Jaipur. Jan’ 07
Sales Executive
Academia
 MBA (Marketing Management) from Institute of Management Studies, DAVV University
Indore in 2008.
 B.Com from M.S.J. College Bharatpur under Rajasthan University Jaipur in 2006
Summer Internship
Title : Comparative Analysis of Banking Services in Jaipur and Selling of various
financial products
Organization : Hongkong Shanghai Banking Corporation India Ltd, Jaipur
Duration : 2 months
Membership and Extra Curricular Activites
 Active Member of Indore Management Association Local chapter of AIMA.
 Management Volunteer for National Management Convention conducted by Indore
Management Association.
 Captain of cricket team in IMS Annual Sports Event ‘PRATISPARDHA’
 Active Participation in IMS Annual function ‘HYURISKO’ including managing events
 Actively involved in class activities – launch of Placement Brochure, Year Book ‘SMRITI’
 Interested in listening music, travelling and meeting people.
Personal Details
Date of Birth : 19th
July 1984
Permanent Address : H.NO 700 Ganesh Nagar (Main) Niwaru Road Jaipur
Contact No. : +91-9829851386