Vipin V Tiwari
Head of Collections @Electronica Finance Limited
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WORK HISTORY
Head of Collections @Electronica Finance Limited
Leading the end-to-end collections function for MicroLAP and Two-Wheeler Retail Loan portfolios, with a mandate to build institutional-grade collections infrastructure while driving portfolio health and P&L outcomes.• Spearheading collections strategy design across MicroLAP and Two-Wheeler Retail Loan segments -setting frameworks, targets, and operating models aligned to business growth objectives.• Architecting a Centre of Excellence (COE) structure to standardise collections processes, best practices, and performance benchmarks across geographies.• Establishing a Digital Collections framework leveraging technology to improve debtor outreach efficiency, payment conversion, and end-to-end collections visibility.• Managing legal execution processes at scale overseeing escalation protocols, legal agency coordination, and resolution timelines across the portfolio.• Leading a team of 250+ collections professionals spanning 4 State Heads, with full accountability for field force productivity, agency management, and delinquency outcomes.• Maintaining rigorous P&L discipline monitoring cost of collections, write-off containment, and bucket-flow control across the entire portfolio.
EDUCATION
INDIAN SCHOOL OF BUSINESS MANAGEMENT AND ADMINISTRATION
DIPLOMA IN CALL CENTRE MANAGEMENT, BUSINESS
INDIAN SCHOOL OF BUSINESS MANAGEMENT AND ADMINISTRATION
MASTER IN BUSINESS ADMINISTRATION, Finance, General
Indian Institute of Management, Lucknow
APLDE, LEADERSHIP
ABOUT VIPIN V TIWARI
21 years. Pan-India scale. One consistent outcome - distressed portfolios turned into disciplined, high-performing operations.As Head of Collections & Recovery at Electronica Finance limited, I lead end-to-end collections across states and regions with full P&L accountability - delinquency, credit losses, cost of collections, and field force productivity. Before this, I have held national and zonal leadership roles at Bikebazaar,CARS24, Jana Small Finance Bank, TVS Credit, and Bajaj Auto Finance - spanning Two-Wheeler, Auto, Consumer Finance, and MicroLAP portfolios across the country.What I bring to the table:• Managed a zonal collections workforce of 300+ professionals (RCMs, ACMs, CROs, FSEs) across a BKT 2+ base of 1.37 lakh customers• Delivered ₹1.80 Crore reduction in state provisioning within 6 months at Bajaj Auto Finance — awarded Best Regional Manager nationally• Built and scaled balanced scorecards, bucket-flow frameworks, and agency productivity models deployed at pan-India level• Track record of driving NPA control, write-off containment, and cost-of-collections reduction across multi-product, multi-geography portfoliosMy edge: the ability to operate at both board level and field level - setting recovery strategy one day, fixing ground-level execution gaps the next. I identify portfolio vulnerabilities before they become losses, open new recovery avenues, and build teams that deliver repeatable results regardless of market conditions.Recognised with the Indian Achievers Award for Business Leadership 2021 -Outstanding Professional Achievement & Contribution to Nation Building. IIM Lucknow Alumnus.Open to connecting with senior leaders across BFSI, NBFC, Auto & Consumer Finance. v••••••••@gmail.com
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