AMIT BHATNAGARAMIT BHATNAGARBhatnagar_amit2000@yahoo.com

Permanent Address:Block A, House No. 74, Sector – 22 Noida – 201 301Contact No. (Cell) # 98183 00392

EXECUTIVE CAREER HISTORYEXECUTIVE CAREER HISTORY

Citicorp Finance India Ltd. (Citigroup) (July 2005 – To date)

A Citigroup Company in to Business of Asset based Funding (Commercial Vehicles, Construction, Medical & Printing Equipment, Business Loans against Movable Assets)April 2009 – Till Date: Zonal Collection Head – North India Nov 2008 – March 2009: State Collection Head – Uttar Pradesh & Punjab

Credit Underwriting: Retail Business ABF (Commercial Vehicles & Construction Equipments) Aug 06 – Aug 2008: Area Manager Credit / Credit Limit Rs 1.12cr – State Head Credit RajasthanJuly 05 - July 06: Credit Manager / Under Writer / Credit Limit Rs 45.00L - Retail Business for Delhi, Haryana, Agra and Uttaranchal.

Key Responsibility Areas: Collections Handing Portfolio of Rs 1,000cr (Direct & Franchisee Portfolio) Managing Team Size of 30 professionals including State Heads / Supervisors / Agency

Managers / Collection Executives & Recovery Officers Managing 18 External Collection Vendors including Collection / Banking & Repossession

Agencies To achieve targets of each bkt and meeting the expected collection numbers Controlling the Losses & Meeting the Recovery Targets given to the region Field Visitation on Key A/Cs & wherever is required To keep Net Credit Loss below the given budget Retaining the talent and grooming the potential employees for next level

Credit Key Responsibility Areas: Evaluation, appraise and underwriting deals through extensive due diligence of

customers of Commercial Vehicles & Equipment Finance for Retail Business Preparation of Credit Appraisal for the deal size up to $250M Preparation of Dealer Trade Advance Memo up to $100M (Rs. 45 Laces) Field Visitation with Sales & Collections for better understanding of the market Financial analysis and measuring the risk of proposal through Profit and Loss Account

and Balance Sheet Credit Visit to clients for evaluation of proposals Monthly Visit to Non-Starter clients to understand the reason for default, further action

plan and grab the learning for future Monthly Visits to all the branches including Hubs & Spokes Monitoring cases under Early Delinquency and Vintage – Field Visitation Required Handling Monthly MIS for North & Portfolio Management - Monitoring the delinquency

trigger levels

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Supervision of Portfolio of Direct Marketing Associates by doing monthly review with sales

Regular Interaction with Dealers to make update about the products Supervision of Fraud Control Agency, Handling fraud control activity by conducting the

training and high interaction with field staff Execution of Market Risk Rating for opening of New Market for Business. General interaction with other financier to have the useful inputs regarding the market

scenario.

Achievement: Received the Award of “Best Performer of the Month” for November 2005 Become State Head Credit for Rajasthan in 12 months

Kotak Mahindra Bank Ltd. (August 2003 – July 2005) Manager Credit (Retail Assets)

Underwriting proposals for Commercial Vehicle and Construction Equipment for Delhi, Haryana and Agra. Key Responsibility Areas:

Evaluation and approval of proposals for Commercial Vehicle and Construction Equipment Financial analysis and measuring the risk of proposal through Profit and Loss Account and

Balance Sheet Preparation of Credit Evaluation Sheet for clients Field visits (depending on the proposal) Monthly Portfolio Analysis for the product Handling Monthly MIS for Delhi, Haryana and Agra Handling the Valuation and Verification Agencies

e-Serve International Ltd. (Citigroup) (January 2001 – July 2003)(Formally known as Citicorp Credit Services India Ltd.)Supervisor Collection ( Commercial Vehicle & Construction Equipments )

Handled Collections for Delhi & Haryana (Rohtak, Rewari, Jind, Jajjhar, Gurgaon, Faridabad, Mahindergarh and Hisar, Karnal, Dehradun).

Key Responsibility Areas:

Target setting and resolution monitoring of the agency Ensuring timely and adequate follow-up by various team members Supervision of tele-calling team and undertaking joint field visitations (on soft & hard

critical accounts) Handling skip and fraud cases in the portfolio Controlling the field executives as well as the supervisors of the agency indirectly Handling Query related and dispute Cases and ensuring resolution in proper time Supervision of the cases with Two EMI’s due & above Clients Supervision of tele-calling on Delinquent Client Taking decision on sending legal notices to Delinquent Clients Taking decision on Repossession and Disposing off the repossessed Assets after getting the

valuation done

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Interaction with legal counsels and law enforcing agencies for filing Cases such as Section 138, Order 37 etc

Auditing of Vendor Records and Reconciliation of A/c’s Preparing monthly required MIS Managing write-off & write-back with in the Permissible budget Handling Delhi & Haryana Portfolio of Magma Leasing Ltd (Business partners of Citicorp

Finance India Ltd) Handling Banking, Repossession Repo Stock Yard and Valuation agencies

Accomplishments: Constantly achieving the targets more than 100%.

Scrut Scan Consultant (Jan 2000 – January 2001)Supervisor Collection

The organization was an associate firm of India’s largest Banking Institutes & Cellular Network Companies engaged in collections and contact point verifications of subscribers.

־ Handled Collection for American Express Bank Ltd (Credit Card & Personal Loan)־ Handled Collections for Airtel Cell-Phone Connections Dues Key Responsibility Areas:

Collection from the customers against their dues  Daily Field Visitation on delinquent customer  Providing Daily Collection Report to my Direct Supervisor  Arrangement of duplicate bills and statements wherever required

Training Attended Training Attended

Program On Retail Business Code Of Conduct at Citicorp Finance – Collections Fraud Control Program CFNS: Customer Focus & Negotiation Skill Power Of One

EDUCATIONAL CREDENTIALSEDUCATIONAL CREDENTIALS

Bachelor of Commerce (B. Com) from Delhi University, 1997 Computer Course from Priyadarshini Institute

PERSONAL INFORMATION PERSONAL INFORMATION  Nationality : IndianFather's Name : Mr. Kailash Bhatnagar Date of Birth : December 21, 1975Marital Status : Married

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Amit Bhatnagar

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