MUSHTAQ AHMAD

Experience

• 

  ICICI Bank

  Dec 2015 - Jul 2022

  Senior Relationship Manager
• 

  HDFC Bank

  Jul 2022 - now

  Senior Collections Manager

  Deliver significant portfolio indicators and maximize resolution/rollbacks/normalization/recoveries and influence reduction in bucket inventory by enhancing performanceHave checks and balances to ensure smooth process adherence.Liaison with other functions and departments viz. sales, credit, operations, RIC, Legal Receivables ManagementManage and deliver monthly performance in terms of, resolution, rollbacks, and recovery rates/ values as per the target set for the assigned portfolio.Review field follow-up for the portfolio managed towards the achievement of the target set.Monitor the agency/field executive's performances periodically.Achieve the money collection under principal, fees, and charges as per targets.Regular visits to the yard and reporting the discrepancies / compliant items as a visit report. (Applicable for Auto, Two Wheeler, Agri, and CTG Loans).Ensuring timely allocation and field follow-up.Ensure trail updates are recorded in web- collections for follow-up on skip marking, deceased specifically apart from follow-up on the normal portfolio.Ensure that the agency resources are optimally used wrt the number of visits, contacts, PTP conversion ratio, etc.Manage escalations and ensure the resolution of all cases.Training programs to be done monthly and all employees to be covered for minimum man hours every quarter.Ensure 100% usage of the collection systemEnsure nil delay in cash TAT and mis-posting of payments Vendor Management.Monitor the performance of field agencies and address performance deficiencies.Ensure 100% compliance with critical items like DRA certification/ police verification etc.Code of conduct to be followed by the vendor across aspects of field and tele calling.Sales (Sales Manager): coordinating with sales for feedback and resolutions on Non-starters/frauds.Sharing data regarding negative profiles and areas basis portfolio trends. Show less