Looking for a job

Rahul Kumar

@rahulkumar114

Branch Collections Officer at SMFG India Credit, reducing NPA through home loan recovery and proactive customer follow-ups.

India

Message

What I'm looking for

I'm open to networking opportunities and discussions on best practices in loan recovery and financial compliance.

At SMFG India Credit, I manage home loan collections across BKT 0 to 3, focusing on timely repayments and reducing NPA through strategic collection techniques and proactive follow-ups.

I counsel customers on credit scores and repayment behavior, and negotiate settlements and loan restructuring while following RBI guidelines.

I also collaborate with legal teams on recovery action for high-risk cases.

Previously, at Dhani Loan & Services Ltd. (formerly Indiabulls Ventures Ltd.), I managed personal loan and credit card collections, used skip tracing to locate overdue payments, and helped improve repayment compliance.

Experience

Work history, roles, and key accomplishments

Current

Branch Collections Officer

Current

SMFG India Credit

Jan 2025 - Present (1 year 10 months)

Successfully managed home loan collections (BKT 0 to 3) and ensured timely repayments. Reduced NPA by implementing strategic collection techniques and proactive follow-ups. Conducted financial counseling sessions to educate customers about credit scores and repayment behavior. Negotiated settlements and loan restructuring while ensuring compliance with RBI guidelines. Collaborated with legal teams

Collections Officer

Dhani Loan & Services Ltd. (formerly Indiabulls Ventures Ltd.)

Oct 2021 - Aug 2024 (2 years 10 months)

Managed personal loan and credit card collections across multiple delinquency buckets. Implemented effective skip tracing methods to locate and recover overdue payments. Resolved customer disputes related to loan repayment through clear communication and negotiation. Assisted in reducing default rates and improving overall repayment compliance. Maintained proper documentation and ensured all colle