Owais Handoo

Collection Manager Retail Assets @HDFC Bank

Srinagar, IN

Lead recovery efforts for high-risk NPA accounts by employing advanced negotiation and debt restructuring techniques to optimize settlements and asset recovery. You manage delinquency portfolios using analytics-driven segmentation and tailored customer outreach to ensure effective collection of overdue interest and EMIs. You oversee resolution of complex disputes and high-value grievances while maintaining audit trails and strict compliance with banking, RBI guidelines, and regulatory requirements. You implement proactive portfolio monitoring and early warning systems to detect and address potential slippage, improving recovery rates for stressed assets.

University of Kashmir

Bachelor of Commerce - BCom

Islamic University of Science & Technology, Pulwama

Master of Business Administration - MBA