RAKHI VIDYAKAR

DONE COLLECTION FOR LOAN AGAINST PROPERTY (BKT. 1) FOR INDUSIND BANK

• Managed a portfolio of loans accounts secured by properties.
• Achieved and exceeded monthly recovery targets through persistent follow-ups and persuasive communication.
• Collaborated with internal teams to escalate complex cases, seeking assistance from legal or senior recovery specialists when necessary.
• Developed and Implemented effective recovery strategies, resulting in more than 98 % improvement in recovery rates.
• Documented detailed information from telephonic interactions and maintained accurate records of negotiations and commitments.

• Collaborated with Field Executive teams to develop and execute recovery plans.
• Utilized negotiation skills to establish communication with debtors, providing information on resolution options and repayment plans

DONE COLLECTION FOR WRITE-OFF CASES (CREDIT CARD) FOR ICICI BANK.

• Conducted detailed assessments of delinquent loan accounts, providing accurate write-off recommendations.
• Explored alternative resolution strategies with team members on each Write-off cases.
• Collected and documented accurate information on the financial status of borrowers and the condition of collateral.
• Ensured compliance with legal and regulatory standards during recovery processes.
• Maintained accurate records of all communication and actions taken and also ensured compliance with legal and regulatory standards during the recovery process.

DONE COLLECTION FOR BUSINESS LOAN FOR ( INDUSIND BANK, IDFC FIRST BANK AND CLIX CAPITAL.

• Initiated outbound calls to delinquent business loan account holders, conducting financial assessments and negotiating repayment plans.
• Utilized effective communication skills to explain recovery options, encourage dialogue, and provide information on alternative resolution strategies.
• Stayed informed about relevant regulations and compliance standards related to debt recovery in business loan cases.
• Conducted on-site visits whenever necessary to businesses with delinquent loan accounts, assessing collateral and gathering necessary information.
• Prepared comprehensive reports on field visits, providing insights and recommendations for recovery decisions.
• Ensured compliance with legal and regulatory standards during field visits and recovery processes.