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Nivedita Pandey

@niveditapandey

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Senior Manager – Collections at DMI Finance, where I oversee Flow and NPA recovery across Pune and Maharashtra.

India

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What I'm looking for

I’m looking for opportunities based in Pune.

At DMI Finance Ltd., I manage a collections portfolio across Pune and Maharashtra, handling 2,000+ cases and meeting monthly recovery targets for Flow and NPA buckets. Targeted recovery strategies and disciplined execution helped elevate the allocated region to 138% growth in FY 25-26.

I mentor Unit Managers, field executives, and agency partners, and onboard channel partners to broaden collection reach. I use Tableau, Salesforce, and CG to monitor field coverage and intensity, and adjusted recovery strategies based on local market trends to reduce NPA within my first six months of operations.

Previously, I managed collections at IDFC First Bank Ltd. and HDFC Bank Ltd., including early delinquency, EMI collections, and personal-loan tele-calling. At ICICI Bank Ltd., I worked in sales and debt management, disbursing ₹15 Crore+ in personal loans annually and leading a team of eight executives.

Experience

Work history, roles, and key accomplishments

Current

Senior Manager – Collections

Current

DMI Finance Ltd.

Oct 2022 - Present (4 years)

Managed a geographic portfolio across Pune and Maharashtra, handling 2000+ cases and consistently meeting monthly recovery targets for Flow and NPA buckets. Led and mentored a team of 4–5 Unit Managers, achieving 138% growth in FY 25-26 and reducing NPA percentages.

Collections Strategy Portfolio Management NPA Management Team Leadership Agency Management Tableau Salesforce CGI MIS Documentation Process Improvement

Manager – Collections

IDFC First Bank Ltd.

Sep 2021 - Oct 2022 (1 year 1 month)

Handled early delinquency buckets and optimized EMI collection to manage case flow and reduce roll-forward rates. Managed repossession/surrender processes and a settlement tracker for approximately 300 TW-Loans cases.

Collections Delinquency Management Repossession Settlements Portfolio Management MIS

Deputy Manager – Collections (Personal Loan)

HDFC Bank Ltd.

Aug 2020 - Sep 2021 (1 year 1 month)

Managed a tele-calling unit team of 14 associates, focusing on soft collection strategies and customer relationship retention. Boosted early-stage cure rates by 2%–3% and implemented a Root Cause Analysis framework to classify early delinquencies.

Collections Telecalling Team Management Root Cause Analysis Customer Retention Process Optimization

Sales Manager / Debt Manager I

ICICI Bank Ltd.

Nov 2014 - Jul 2020 (5 years 8 months)

Disbursed ₹15 Crore+ in personal loans annually, exceeding sales targets by 115%–120% for consecutive quarters. Led a sales team of 8 executives, boosted average ticket size by 25%, and cross-sold credit cards and insurance policies.

Sales Personal Loans Team Leadership Cross Selling Credit Cards Insurance HNI Management