Ravi Lodwal

About Ravi Lodwal

With over 10 years of experience in safeguarding customer risk and controlling expenses, I am a seasoned professional who excels in making informed decisions at the right time. My expertise lies in financial analysis, managing financial tasks, and implementing cost-saving measures to enhance customer experience and build trust in growing organizations.As an Assistant Vice President - Collections & Strategy at Aye Finance Pvt Ltd, I have successfully mentored and led a team of Collection Officers and Regional Collection Managers across India. By creating and implementing a robust strategy, I have improved the collection of outstanding credit and set clear payment collection goals for the department. Additionally, I have implemented collection policies and procedures to minimize excessive outstanding credit while ensuring compliance with state and federal regulations. By negotiating with customers in cases of non-payment, I have effectively resolved issues and improved overall payment collections. I also prepare monthly feedback reports to track payment collections and stay updated on legislative procedural training regarding debt collection.Prior to this role, as a Credit Associate at OLX Autos, I demonstrated my skills in controlling and mentoring a pan India Central credit staff. With approval authority of up to Rs. 50 Lakhs, I effectively managed team targets and performed monthly reviews on limit utilization, stock audit, and EWS. I also played a pivotal role in loan disbursement through channel partners, ensuring smooth operations and compliance. Additionally, I contributed to policy development and managed projects related to risk management, including fraud detection and process improvement.In my previous role as a Credit Manager at Aye Finance Pvt Ltd, I oversaw and mentored a team of West Field and Regional credit staff. With approval authority of up to Rs. 10 Lakhs, I successfully managed team targets and played a key role in reporting the company\'s bureau data to credit information companies. I also contributed to the development and management of policies and effectively handled reschedule and restructure cases. With my expertise in risk management and user acceptance testing, I played a crucial role in implementing changes and analyzing data to identify fraud and process lapses.Feel free to reach out to me at +91 or r••••••••@gmail.com for further discussion or professional opportunities.

Experience

1. Assistant Vice President 3 - Collections Strategy

   Aye Finance Ltd

   Apr 2025 — Present · Gurugram, IN

Education

• Delhi University

  Bachelor of Commerce - BCom, Finance, General

• MIT School of Distance Education

  Master of Business Administration - MBA, Finance, General

• Indira Gandhi National Open University

  Masters of commerce, International Business