1. AMIT MALHAN
E-Mail: amalhan22@gmail.com Contact: +91-9530559999, 09530559999 (R)/ LinkedIn Profile:
amit.malhan@aol.com
~Aiming for assignments in Collections & Recovery Management with an organisation of repute preferably
in Banking / Financial Services industry~
MANAGEMENT PROFESSIONAL
~Demonstrated skills in handling Collection & Recovery Operations with key focus on profitability & effective resource utilisation;
deft in driving process improvement plans and contributing to higher rate of organic growth~
A result-oriented professional with nearly 9 years of rich experience in achieving results in highly competitive environment;
track record of attaining consistent growth both in terms of Collections & revenues majorly in Mortgage Industry
CORE
COMPETENCIES
Mortgage Collections &
Recovery
Market/Competitor
Analysis
Credit Administration
NPA Reduction
SOPs & SLAs
Compliances
Operations Management
Business
Development/Sales
Client Relationship
Management
Client Retention
MIS/Reports
Training & Development
Team Management
PROFILE SUMMARY
• Graduate with skills in ensuring successful management of Collection designing Client Retention
Strategies; presently associated with India Bulls Housing Finance Limited, Delhi-
NCR/Overseas as Chief Manager
• Adept in developing & implementing competitive strategies for generating Collections & expanding
market share towards achievement of revenue targets
• Demonstrated excellence in leading all aspects of day-to-day Operations including
developing & streamlining systems with proven ability to enhance administrative effectiveness and
meet operational goals within the cost, time & quality parameters
• Competent in managing Collections & Recovery operations for front-end, mid-range &
hard-core collections; deft in ensuring end-to-end collections including legal filing; well versed with
RBI & Financial Services industry’s guidelines
• Proficiency in designing & reviewing the Collections Strategy regularly and ensuring that
the collection techniques comply with the changing legal & economic situations
• A customer-centric leader with abilities in assessing & implementing effective solutions to
the customer needs, with an aim to improve customer contentment & consequently customer
loyalty, repeat & referral business
• Exceptionally well organized with a track record that demonstrates self-motivation & initiative
to achieve corporate goals; accurate & precise in all work related assignments
• Excellent team building, communication and relationship management skills with abilities
in training & guiding team members & enabling knowledge sharing among them
AREAS OF EXPERTISE
• Overseeing complete business operations in the assigned region with accountability of profitability ; planning
monthly/ annual sales targets, & attaining them in a given timeframe
• Developing relations with Corporate HNI & Overseas clients for business development; mapping client’s requirements &
providing them expert advisory services pertaining to selection of right products
• Performing the functions of assessing creditworthiness of clients & ensuring compliance with organisational credit policies;
designing and implementing strategy for collections and taking measures to reduce NPA
• Identifying overdue payments & initiating follow-up efforts to ensure immediate collection; taking adequate steps/ legal

2. action to ensure receipt of payments and recovery of bad debts
• Handling day-to-day operations & evaluating internal control systems / procedures with a view to highlight the
shortcomings and implementing necessary recommendations
• Preparing MIS reports & other statements with a view to apprise management of the process operations and assist in
critical decision-making process
• Managing service operations for rendering and achieving quality services; providing first line customer support by
answering queries & resolving their issues, ensuring minimum TAT
• Leading & monitoring the performance of team members to ensure efficiency in collections operations and meeting of individual
and group targets; organising training programs for staff to increase their productivity
ORGANISATIONAL EXPERIENCE
Since Aug’09: India Bulls Housing Finance Limited, Delhi-NCR/Overseas as Chief Manager
Growth Path: Joined as Manager and was promoted to Senior Manager in 2013 and Chief Manager in 2015
Present Role:
• Responsible for overseeing Mortgage Collections for Delhi-NCR/Overseas(Dubai, London) including:
o Securing instalments within defined due dates in the different delinquency buckets/ brackets
o Monitoring collections processes, setting up new processes for improving collections
o Formulating debt collection mechanisms for timely receipt of money from clients & recovery of bad debts
o Identifying probable risks by conducting audits of existing revenue streams & implementing corrective measures to mitigate
the same; monitoring & controlling delinquency and credit loss
o Creating & implementing workflows to facilitate structured support in all areas & issues
o Managing NPAs & formulating settlement schemes for recovery from NPAs
o Conceptualizing retention strategies based on analysis of service operations loopholes and market dynamics
o Ensuring delivery of value-added customer service for escalation of client satisfaction levels
Highlights:
• Successfully resolved customer grievances for superior customer service and ensured high productivity by maintaining
relationship with delinquent & irate customers; managed day-to-day operations & escalations if any
• Effectively developed relationship with Corporate HNI & Overseas clients.
• Merit of consistently achieving the target from past 6 years assigned for the bucket.
• Holds the distinction of receiving Spot Awards for over-achieving the target across the floor in May’12,Oct’13
• Awarded Best Senior Manager for achieving target & maintaining delinquency resolution for North Zone in May’14, June’15.
• Played a key role in overseeing functions like Legal Filing - 138 / 420 /402, executing Warrants.
Jun’08 to Aug’09: Mahindra Holidays & Resorts India Limited (Club Mahindra), New Delhi as Manager
Highlights:
• Individually handled Sales & Collection portfolio for Delhi-NCR region as well as provided support to team members deputed at
different locations for selling of Club Mahindra Holidays Membership
• Effectively motivated & trained a team of 20 members for achieving their pre-set monthly Sales & Collection targets
• Deftly coordinated with various internal departments for achieving service quality norms to ensure customer satisfaction & build
credibility in the market; instrumental in handling & resolving all client queries ensuring maximum client satisfaction
INITIAL EXPERIENCE
Dec ’06 to Jun ’08: Fullerton India Credit Company Ltd., Chandigarh as Assistant Branch Manager

3. EDUCATION
Pursuing MBA (Marketing) from Symbiosis Institute of HRM, Pune
BA (Arts & Humanities) from Kanpur University in 2007
IT Skills: Well versed with Windows 95, 98 & 2000, MS Office, Computer Programming and Tally 5.04
PERSONAL DETAILS
Date of Birth: 29
th
February 1984
Languages Known: English, Hindi & Punjabi
Address: Flat no-503, Tower-7, CHD Avenue 71, Sector-71, Sohna Road Gurgaon.