AYAZ SHAIKH
Rander,India
Summary
Results-driven professional with expertise in planning and organising, customer service, and financial resource management. Demonstrates strong communication skills, problem-solving aptitude, and strategic decision-making capabilities. Proficient in data analysis, quality assurance, and operational reporting, with a proven ability to anticipate and resolve challenges effectively. Skilled in team leadership, risk assessment, and creative strategy development to achieve organisational goals. Adept at utilising MS Office tools and platforms such as Zoom and MS Teams to streamline processes and enhance productivity. Committed to continuous learning and innovation while delivering exceptional results in dynamic environments.
Overview
14
14
years of professional experience
6
6
years of post-secondary education
Work history
Area debt manger
IDFC BANK
Surat, India
04.2025 - Current
- Managed collections for South Gujarat, achieving monthly targets of 97% for BKT-X, 70% for BKT-1, and 55% for BKT-2.
- Ensured adherence to RBI legal guidelines by collection managers and agencies.
- Monitored productivity of in-house teams and agencies against established parameters.
- Maintained collection efficiency while controlling costs through strategic oversight.
- Tracked collections on a bucket-wise and DPD basis, focusing on non-starters.
- Conducted regular follow-ups with default customers via a dedicated team.
- Collaborated with the legal team to initiate action on specified cases.
- Evaluated agencies and DCTs through thorough background checks and ongoing assessments.
- Proactively identified risks associated with non-performing loans, improving portfolio quality.
- Trained junior staff members in effective methods of debt recovery, enhancing team performance overall.
- Negotiated payment terms with clients to ensure successful debt recovery.
- Oversaw preparation of monthly reports detailing collection activities, aiding in strategic decision making.
- Built strong relationships with external agencies involved in the recovery process, facilitating smoother operations.
- Resolved complex collection cases, liaising with debt collection agencies and local courts to foster positive outcome.
- Minimised delinquency rates by supervising regular follow-ups on overdue payments.
Collection Manager (Handling Surat & Rajkot Cluster)
WORTHGAGE FINANCE PRIVATE LIMITED
07.2024 - 08.2025
- Managing end-to-end operations to improve collections from X bucket to higher OD up to 3 buckets for BL and PL. 2 Agencies for Higher Buckets as from 120+ DPD’s
- Coordinate Activities to Staff Members to Ensure a Smooth and Efficient Department That Reduces the Number of Cases That Are Overlooked.
- Create and implement strategies to increase the number of successful collections on outstanding debt.
- Recruit, hire, training and evaluate staff members within the department to ensure enough staff members are available to handle the workload and handle the team of 15 executives and 2 Assistant Managers.
- Develop goals that complement the overarching business goals of the company and coordinate staff to continually meet and exceed goals.
- Run reports and analyze data pertaining to the department and share with executive staff and managers of department staff as needed.
- Implement credit policies and procedures that retain a smooth running of the department and avoid excessive credit limits.
- Oversee department objectives through the development and execution of budget business plans.
- Establish goals and targets for the collection of payments.
- Prepare monthly feedback reports on the collection of payments.
- Implement policies and procedures for the collection of outstanding debts to prevent excessive amounts owing.
- Investigate and locate missing client or financial information that's essential for the employees to perform their duties effectively.
Senior Executive Collection and Credit management (working as manager)
MAHINDRA HOLIDAYS AND RESORTS INDIA LTD
06.2022 - 07.2024
- Resolve members credit issues and all queries.
- Monitor memberships on daily basis.
- Identify outstanding account of membership receivables from the Member.
- Investigate historical data from the system and giving resolution to Members.
- Take actions to encourage timely payments.
- Process payments and refunds if any of the members.
- Resolve members’ queries and issues related to the membership.
- Contact members and discuss their overdue payments.
- If required visit members home/Office for collection of overdue Payments.
- Update account status records.
- Prepare and present reports on collection activities and progress.
- Collections on pending accounts with process as (Powerplay, Inflow & List case) of the branch to achieve the target.
- Achieving stretched targets & regularize for future payments.
- Weekly visits based on PTP (Promise to Pay) payments.
- Sending DCR (Daily Collection Report) to Reporting manager.
- Managing end-to-end operations to improve collections from X bucket to higher OD up to 12 buckets.
Collection and Relationship Manager
SAAKAR CO-OPERATIVE CREDIT SOCITY LTD
12.2018 - 05.2022
- Managing end-to-end operations to improve collections from X bucket to higher OD up to 3 buckets for BL and PL.
- Coordinate activities of staff members to ensure a smooth and efficient department that reduces the number of cases that are overlooked.
- Oversee the collection of outstanding credit and invoices to minimize profit loss while ensuring it is handled appropriately and per company policy.
- Create and implement strategies to increase the number of successful collections on outstanding debt.
- Recruit, hire, training and evaluate staff members within the department to ensure enough staff members are available to handle the workload and handle the team of 5 executives.
- Develop goals that complement the overarching business goals of the company and coordinate staff to continually meet and exceed goals.
- Run reports and analyze data pertaining to the department and share with executive staff and managers of department staff as needed.
- Communicate with clients to build and maintain a strong working relationship and reduce the number of clients who stop working with the company.
- Implement credit policies and procedures that retain a smooth running of the department and avoid excessive credit limits.
Relationship Manager
PRAMUKH NISSAN
05.2014 - 11.2018
- Build long-term relationships with clients and customers.
- Gain solid knowledge of competitors.
- Manage the vehicle data base and commissioning of vehicles.
- To ensure staff in these sections undergo training appropriate to the post and that they each have an Individual Training and Development program.
- To agree personal development targets for each year.
- Handle the team of 2 executives.
- Create and enforce plans that will help meet the needs of customers.
- Work quickly to address and resolve customer issues.
- Notify the sales team of new sales and cross-selling opportunities.
- Understand customer needs and develop plans to address them.
- Identify key staff in client companies to cultivate profitable Relationships.
- Resolve customer complaints quickly and effectively of service.
- Forward upselling and cross-selling opportunities to the sales team.
- Promote high-quality sales, supply, and customer service processes.
- Aim to preserve customers and renew contracts.
- Approach potential customers to establish relationships.
Member Relation Executive
MAHINDRA HOLIDAYS AND RESORTS INDIA LTD, Adecco India Pvt Ltd
08.2013 - 04.2014
- Handling front and back-end operations and documenting the course of action.
- Coordinating with sales, corporate, collections, accounts and reservations department for solving member's requests, enquiries and complaints through emails and incoming calls.
- Retaining members and generating references also Planning holidays and confirming reservations.
- Additional role of being Relationship Manager for Elite members.
- Meeting Elite members for queries related to bookings, transfer of membership, etc.
Assistant Collection and Relationship Manager
INDIAN ADVENTURES
06.2011 - 07.2013
- Identifying business opportunities by identifying prospects and evaluating their position in the industry; researching and analyzing collection and sales options.
- Sells products by establishing contact and developing relationships with prospects, recommending solutions.
- Maintain relationships with clients by providing support, information, and guidance; researching and recommending new opportunities; recommending profit and service improvements.
- Identifying product improvements or new products by remaining current on industry trends, market activities, and competitors.
- Prepare reports by collecting, analyzing, and summarizing information.
- Maintain quality service by establishing and enforcing organization Standards.
- Maintain professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; benchmarking state-of-the-art practices; participating in professional societies.
- Contribute to team effort by accomplishing related results as needed.
Education
M.B.A - Finance
Pune University
Pune university 06.2009 - 01.2011
BCom - Finance
North Maharashtra University
Maharashtra 01.2005 - 01.2009
Skills
- Planning and organizing
- Strong communication skills
- Information and task monitoring
- Problem analysis
- Judgment and problem solving
- Management skills
- Customer Service
- Overcoming Objections
- Effective Customer Communication
- Requirement Determination
- Quality Assurance
- Work Planning
- Sound Judgment
- Problem Anticipation and Resolution
- Data Analysis
- Willing to Learn
- Team Building Leadership
- Proactive and focused
- Financial Resource Management
- Decision Making
- Strategy Development
- Operational Reporting
- Prioritizing and Planning
- Goal Setting
- Risk Assessment
- Creative and Innovative
- MS-Office-Excel, PowerPoint, Word, and Outlook
- Tools used-Zoom, MS, Teams, etc
- Decision-Making aptitude
- Debt restructuring proficiency
Projects
ORGANIZATION: Oil& Natural Gas Corporation Limited (ONGC), Mumbai BKC, DURATION: 2 months, PROJECT TITLE: Asset’s accounting had done under ERP Environment., REPORTING TO: Mr. Abhay Dongre (Finance Head of ONGC Mumbai Branch), PROJECT DESCRIPTION: To know what Asset’s accounting & How assets accounting is done under ERP environment., ROLE: Trainee student in finance department., RESPONSIBILITY: To find out different methods of assets accounting under SAP software& how company makes deprecation on its asset with the use of SAP software.
Languages
English
Advanced (C1)
Hindi
Proficient (C2)
Timeline
Area debt manger
IDFC BANK
04.2025 - Current
Collection Manager (Handling Surat & Rajkot Cluster)
WORTHGAGE FINANCE PRIVATE LIMITED
07.2024 - 08.2025
Senior Executive Collection and Credit management (working as manager)
MAHINDRA HOLIDAYS AND RESORTS INDIA LTD
06.2022 - 07.2024
Collection and Relationship Manager
SAAKAR CO-OPERATIVE CREDIT SOCITY LTD
12.2018 - 05.2022
Relationship Manager
PRAMUKH NISSAN
05.2014 - 11.2018
Member Relation Executive
MAHINDRA HOLIDAYS AND RESORTS INDIA LTD, Adecco India Pvt Ltd
08.2013 - 04.2014
Assistant Collection and Relationship Manager
INDIAN ADVENTURES
06.2011 - 07.2013
M.B.A - Finance
Pune University
06.2009 - 01.2011
BCom - Finance
North Maharashtra University
01.2005 - 01.2009
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