Aashish Kantharia
National Head – Collections Strategy & Digital Engagement • Retail Portfolio @ HDFC Bank • Home Loan Strategy • Debt Management • Digital Transformation • AI • Strategy, Risk & Recovery Leadership • 25+ years • BFSI
- Role
- Senior Vice President Ii National Head, Digital Collections, Dialer Ops & Home Loan Strategy at HDFC Bank
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Aashish Kantharia
Transforming India’s Collections Ecosystem - where data, technology, and empathy meet results.”With over 25 years of leadership across India’s leading banks, I’ve had the privilege of building and leading collections strategy, risk management, and digital transformation frameworks that have redefined how financial institutions recover, engage, and grow sustainably.From the early days of dialer-based collections to the era of AI-driven predictive models, my journey has been one of constant reinvention - balancing customer empathy with portfolio efficiency, and governance with innovation.At HDFC Bank, I have led national collections strategy and debt management across diverse retail assets - from Home Loans and Credit Cards to Consumer Durables, Gold Loans, and LAS. Through a blend of digital transformation, data-led insights, and low-cost recovery models, my teams have achieved sustained delinquency reduction, P&L optimization, and early-bucket resolutions, strengthening the bank’s financial backbone and customer trust.What drives me is the challenge - creating scalable systems where technology empowers people, where risk turns into resilience, and where every process improvement builds organizational integrity.What I Deliver Best:• End-to-End Collections & Recovery Strategy (Retail Assets)• Digital & AI-Enabled Transformation in Collections• Risk Management, Policy Design & Governance Excellence• P&L Stewardship & Cost Optimization• Cross-Functional Leadership (Business, Credit, Policy, Analytics, Finance)• People Development, Training & Engagement Culture Core CompetenciesCollections Strategy | Risk & Recovery Excellence | Portfolio Optimization | Digital Transformation (IVR, RCS, AI)| Predictive Analytics | Dialer Operations | Techno-Functional Projects | Sale of Assets (ARC)| Audit & Compliance Governance | NPA Management | Customer Engagement Journeys | Leadership DevelopmentI’m passionate about shaping next-gen collections ecosystems that are digital, data-driven, and human-centered - ensuring profitability, compliance, and customer dignity coexist. Let\'s connect!
Experience
Senior Vice President Ii National Head, Digital Collections, Dialer Ops & Home Loan Strategy
Dec 2024 — Present · Mumbai, IN
Senior Vice President II – National Head, Digital Collections, Dialer Operations & Home Loans Strategy• Defining annual budgets and aligning collections strategies with business targets across key indicators - fresh NPA stamping, normalizations, credit costs, and recoveries - ensuring consistent P&L achievement across all portfolio segments.• Leading pan-India collections strategy, digital engagements, and dialer operations across 10+ retail asset classes including - Home Loans, Credit Cards, Personal Loans, Business Loans, Auto & Two-Wheelers, Consumer Durables, Gold Loans, LAS, CTG, Agri, Tractor & Mortgage portfolios. • Also, responsible for Sale of Stressed and NPA to ARCs, techno-functional projects, digital recovery initiatives, and governance excellence.
Education
Kishinchand Chellaram (KC) College, Mumbai
Bachelor of Science - BS, Statistics & Computer Applications
2000
Lala Lajpatrai Institute Of Management
Master's degree, Masters in Financial Management
2006
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