Puneet Kumar

Manager with expertise in Business Loan, Personal Loan, and Digital Loan recovery. Skilled in handling delinquent accounts, high-bucket portfolio management, and achieving monthly recovery targets through strategic planning, negotiation, and effective team leadership. Key Responsibilities: Managing end-to-end loan recovery operations for Business & Personal Loans. Leading a team of field executives, telecallers, and collection agencies. Monitoring high-bucket delinquency accounts and ensuring timely resolution. Conducting customer visits for settlement negotiations and payment follow-ups. Ensuring achievement of Daily Recovery Run Rate (DRR) and monthly collection targets. Handling escalated cases with empathy while maintaining compliance with company policies. Reviewing agency performance, compiling feedback, and implementing corrective actions. Preparing and analyzing MIS reports for management review. Coordinating with supervisors and agencies to design effective collection strategies. Maintaining customer relationship and continuous follow-up to reduce NPA (Non-Performing Assets). Core Skills: Loan Recovery & Collections (Business & Personal) Team Management & Agency Handling Field Operations & Negotiations Portfolio & Delinquency Management Customer Relationship & Conflict Resolution Target Achievement & Strategic Planning Reporting & Compliance