Rakesh M ShahA/403 , Dhrusti Apt ,B/h A.P.Shah Institute, Kasar vadavali , Thane-400607. MaharashtraEmail: rakeshshah2020@gmail.com; Mob: +91 9769030777.

A Dynamic Banking Professional with a Successful Career Spanning of 15+ Years.Key Skills: Operations Management Retail Loans / Net Credit Loss Management , for Collections / Process Controls | Budgeting & Planning / Repo Sale Stock Management / Vendor Commission Payout calculation /

NPA Management | Client & Customer queries management /People management / Vendor Management| SME Training /Client Management| Accounting Nationally.

Banking & NBFC Outline: BARCLAYS BANK PLC, MUMBAI• ICICI BANK LTD, MUMBAI , Bajaj Auto Finance Ltd & Tata Capital .

Experience in Banking & NBFC Sector: Manager – Retail Loan Operations , Risk Collections Support operations , Credit Loss Management , Customer Service , Auditing & Compliance controls.

Experience in Other Sectors: JAICO PUBLISHING PVT LTD, MUMBAI as Accountant• MANDAR BHAVE, CHARTERED ACCOUNTANT, MUMBAI as Accounts Executive

A Dynamic Banking Professional with an extensive Career Spanning About 15+ years in banks; also having exposure in publication & accounts consultancy organization for about 3 years; contributing to the organizational growth and success through strong knowledge and skills in processes, NPA management, vendor management, Payable & receivables management/ Finacle, accounting, audit management, CRM and MIS along with strong leadership and communication skills; seeking a higher position / Assistant Vice President with Banking / Finance sectors

Had been to South Africa in 2007 & Dubai in 2010 as an Incentive trip .

Career Profile with Banks

TATA CAPITAL LTD- Mumbai.

National Support Manager – (Auto PL BL CV CD TW & HE Products ) July 2015- till date.

Job Responsibilities managed PAN India :-

Calculation & Monitoring of the Net Credit Loss ( NPA)as per RBI Guidelines for Auto , PL BL, CV , HE , CD TW Products.

Managing various collection efficiency MISs to track the flow of Buckets. Repossession of assets stock yard , sale , Auction & audit end to end management. Receipts management manually & through MCS (Mobile Collection System). Budget preparation, Cost provisions & Projection of various collection costs. Calculation & Execution of various contests & Incentive schemes to increase collection efficiency. Empanelment & termination of the vendors for collections , Payment management NDC collection Audit & compliance management for Con-current , Statutory , RBI & Out-sourcing Certification Journey of ISO 9000 for Housing Finance portfolio. Working on Migration of current Systems to Fin-One.

BAJAJ FINANCE LTD , PUNE

Manager – Collection Support ( 2W & 3WProduct ) March- 2013 till June 2015.

Job Responsibilities managed PAN India :-

Collections Support Unit-till Oct-14

Handling various operational functions and process controls relating to the vendor management like Billing , Payments Processing , Reconciliation of vendor a/c’s & open items , Receivables & Payables Management , Cost Provisions & NDC.

Automation of Manual Billing Process in VB developer. Execution of 600+ vendor monthly invoices about 12 cr value by auto email generation of Invoice PDF ‘s directly on email id’s of vendors , thereby reducing the payment TAT & smoothing the Process.

Smoothening & Handling the functions relating to Empanelment & termination of the vendors for collections. The Security Deposition & Refund process

Repossession of Vehicle Kit & Receipt Book end to end Management. Collection Vendors Commission Payout calculations basis Collection Bucket resolutions & overall

performance for 2W & 3W products & semi automation. CRM (Customer Relationship Management) for entire Collection vertical. Repossessed vehicle sale , refinancing & booking of losses. Arranging the highest Bid from the Broker or the

online Auction sales to cover the average sale price end to end management. Execution of Policy & Process Notes as required. Eg Repossession & Sale of Vehicle PAN India.

Sales & Marketing Support Unit from Nov-14 Monitoring & Controlling the sales channels (PAN India) for the non deposition of receipted money from

customers & avoiding the channels to flow in NPA. Empanelment / Termination of the sales channels for the business under the Evaluation parameters. Execution / Publishing of reports like Bounce, FEMI , DPD , DSS etc.

BARCLAYS BANK PLC, MUMBAIManager – Risk Collection Support & Compliance: April 2008 to Feb-2013

Job Responsibilities managed PAN India : Handling the functions relating to empanelment & termination of the vendors for collections purposes of

the banks by complying to the DRACA regulations Update the P2P SAP system with the relating Purchase Orders , Invoices & returns.

Receipt Audit /Vendor Audit for the vendors for regulatory & process compliances; & feedback reporting to management.

Handling various operational functions and process controls relating to the vendor management like Billing / Payment Processing / Cost Provisions / NDC & Collector FOS Auth Card Management ( RBI mandate)

Overseeing the proper Printing / Dispatch / maintenance & Records management of Receipt Books maintained for collections for all the products.

ICICI BANK LTD, MUMBAIAssistant Manager: April 2006 to March 2008

Job Responsibilities managed PAN India : Oversaw the NPA functions of the bank by implementing suitable credit recovery process for minimizing

delinquency; managed a LAS portfolio of INR 700 crores quarterly by leading a team of 11 members through Soft & Bucket Tele-Calling Process. Face the auditors for the sale of accounts for NPA.

Liaised with the legal professional , attending DRT Court Matters , Civil Suits etc for the purpose of initiating cases for credit recovery from customers;

Responsible for resolution of customer queries through efficient use of Finacle CRM software; received awards from Quality Assurance team for the TAT & correct closure of queries. Managed 15000 queries with e team of 9 peoples. Address Change CTL workflows for Cards were additionally managed

Responsible for forced auto debit & Lien execution on the Delinquent Customer A/cs , sending dunning Letters & Reconciliation of credits: managed to collect INR 400 Cr p.a with a team of 16 peoples & collection from customers

Automation of manual excel based accounts & lien process collation was automated to access 2000 , leading to cost & TAT reduction.

Senior Officer :April 2003 to March 2006

Job Responsibilities managed PAN India :

Processing & execution of payments such as EMI for all loans & Credit Card payments The volumes were processed & handled in various cycles to around 3-5 lacs records per month. Reconciliation of cleared & bounced a/c’s in Finacle system . Posting in the Fin-One system & recons

Daily Merchant Acquires limit & payment uploads. Dealer Funding sanctions , limit sanctions & Fund Transfers. Granting of Temporary Overdraft Limits ( TOD ) in the business accounts. Lien marking & removal on the delinquent accounts as per collections instruction

Accounts Executive: January 2002 to April 2003

Job Responsibilities: Responsible for accounting of fixed deposits, reconciliation & inter branch transfer of the accounts of the

customers through proper use of Finacle 7 software Generated reports through MIS to enable decision making by top management Oversaw the functions relating to inter branch customer query resolution through Siebel; opened demat

accounts of the customers through proper verification of the documents Responsible for conducting audit of the branch through proper liaison with the statutory auditors

Career Profile with Other Sectors

JAICO PUBLISHING PVT LTD, MUMBAIAccountant: January 2000 to December 2001

Job Responsibilities: Responsible for proper maintenance of the books of accounts of the branch by leading a team of 2 members;

generated reports for submission to the assistant general manager regularly Handled the payroll functions of the organization to ensure timely disbursement of salaries Responsible for debtors & creditors management functions and reconciliation of bank transactions Responsible for preparing budgets on time to planning the functional activities of the organization

MANDAR BHAVE, CHARTERED ACCOUNTANTS, MUMBAIAccounts Executive: 3 yrs in breaks during college

Job Responsibilities: Handling the functions relating to maintenance of the client’s books of accounts Planned & conducted statutory & non statutory audit of individual and corporate clients Responsible for the calculating & filing the tax liabilities of the clients with the competent authority

Education Profile

L.L.B ( Law ) Mumbai University ( 2011 )JAIIB, Indian Institute of Banking & Finance (2005)

M.Com, Pune University (2000)B.Com, Mumbai University (1998)

Personal details

Date of Birth- 16th September, 1976Passport No- M2732914

PAN No-ARCPS8538ELanguages Proficiency- English, Hindi, Marathi, Guajarati

Computer Proficiency- MS Office, CTLPrime, Finacle 7,FINONE Finacle CRM, Tally i-Flex , P2P ,SAP & BANCs