Hemant Singh

Deputy Manager @RBL Bank

New Delhi, IN

Collection StrategySkilled in designing and implementing data-driven collection strategies to optimize delinquency management and recovery performance.Experienced in segmentation of customer portfolios, risk profiling, and defining appropriate collection actions across buckets (soft, hard, and legal).Hands-on knowledge of allocation models (automated/manual), NACH mandates, skip tracing, and digital communication strategies.Proficient in monitoring and analyzing collection MIS, flow rates, and roll rates to improve resolution efficiency and minimize credit losses.Strong coordination with agencies, call centers, and field teams to ensure regulatory compliance (RBI/Banking norms) and customer-centric recovery approach.Adept at using analytics and scorecards to enhance strategy effectiveness and achieve collection targets.• Control on CoC (Cost of Collection)Implemented efficient allocation models (agency, tele-calling, field) to optimize recovery at minimal cost.Enhanced digital and automated collection strategies (SMS, IVR, WhatsApp, eNACH) to reduce dependency on high-cost channels.Monitored agency performance and negotiated fee structures to keep CoC within approved limits.Regularly tracked CoC vs. recovery yield to ensure sustainable profitability.

SGIET Allahabad

Bachelor of Technology - BTech