Deepanshu Khatri
@deepanshukhatri
Debt collection and credit control manager driving delinquency reduction and process improvement.
IndiaWhat I'm looking for
I am a results-driven Debt Collection & Credit Control Manager with over four years of experience managing unsecured loan portfolios, recovery operations, and credit risk across leading financial institutions. I lead teams and vendors to optimize collection processes while ensuring regulatory compliance and audit readiness.
I have a track record of reducing delinquency, improving settlement rates, and strengthening vendor oversight through process re-engineering, intent analysis, and targeted recovery strategies. I produce actionable MIS reporting and dashboards to inform senior management decisions and performance improvement.
My strengths include team leadership, functional training, vault and cash control, reconciliation, and advanced MS Excel-based analytics. I bring a positive, goal-oriented approach focused on operational excellence and continuous improvement in collections.
Experience
Work history, roles, and key accomplishments
Collection Manager
HDB Financial Services Ltd.
Apr 2025 - Present (6 months)
Lead a team of 5 overseeing 20 field collection officers for high-risk unsecured loan portfolios; reduced overdue accounts across the Alwar cluster through delinquency control and vendor performance monitoring. Prepared MIS reports and drove customer intent analysis to improve recovery rates.
Agency Manager – Collections
SMFG India Credit Ltd.
Aug 2024 - Apr 2025 (8 months)
Managed write-off and Risk X unsecured loan portfolios in the Bhiwadi cluster and achieved delinquency reductions via targeted recovery strategies; strengthened vendor oversight reducing process and audit lapses by 25% and improved settlement rates by 15% with early-stage resolutions.
HLDeputy Manager – Collections
HDFC Bank Ltd.
May 2021 - Aug 2024 (3 years 3 months)
Managed unsecured loan collections across Risk X to Bucket 5 including high write-off accounts, reduced delinquency through recovery workflows and oversaw vendor compliance; produced MIS and performance reports for portfolio analysis and audit readiness.
HLAssistant Manager – Collections
HDFC Bank Ltd.
Jul 2020 - May 2021 (10 months)
Handled commercial vehicle and DLOD delinquent portfolios across the Alwar cluster, reduced delinquency through structured recovery strategies, managed vendors and in-house teams, and developed MIS dashboards tracking key collection KPIs.
Sales Executive
HDB Financial Services Ltd.
Managed dealer network and sales team for auto loan lead generation and loan sourcing, oversaw dealer payouts and maintained client relationships to support portfolio growth.
Education
Degrees, certifications, and relevant coursework
URUniversity of Rajasthan
Master of Commerce, Commerce
Activities and societies: Presidency College (affiliated college)
Completed a Master of Commerce degree with coursework in commerce and related subjects, conferred in 2019.
URUniversity of Rajasthan
Bachelor of Commerce, Commerce
Activities and societies: Presidency College (affiliated college)
Completed a Bachelor of Commerce degree with studies in accounting, finance, and commerce, conferred in 2017.
Happy Public School
12th Grade (CBSE), General (Higher Secondary)
Completed Higher Secondary education (Class 12) under the Central Board of Secondary Education in 2014.
Happy Public School
10th Grade (CBSE), General (Secondary)
Completed Secondary education (Class 10) under the Central Board of Secondary Education in 2012.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Job categories
Skills
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