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