1. AREEF K A
No 16Th B Cross No 1947 A block AECS Layout Singasandra Banglore 560100
Mobile: 9742270471 ; E-Mail: arif.abdulla@outlook.com
OBJECTIVE
To attain professional excellence and contribute towards the sucess of the organisation through a leadership
role in credit & risk Resolution / Debt servicing & Managment / conflict resolution/Cusotmer relations
SYNOPSIS
• Over 7 years of experience in Collections & Recovery , Strategy Planning, Credit Administration,Risk
Management, Customer Relationship Management and Team Management.
• In depth knowledge of day to day operations in all type of credit business with rich experience in handling
teams and designing new strategies to win in the market.
• A strategic planner with proficiency in devising strategy for debt, collection and recovery from clients after
providing advise on the various payment options.
• Competent in streamlining & improvising existing systems / processes, envisioning new methodologies,
future trends and driving development, direction and accomplishment.
• Ability to support and sustain a positive work environment that fosters team performance with strong
communication and relationship management skills.
• Strong background of Credit Card and Personal loan Collections in the Banking Industry. Other strengths
covers: Vendor Management, Conflict Resolution and Servicing & Management.
PROFESSIONAL EXPERIENCE
Present Employment
Kotak Mahindra Bank
Duration : June 2009 onwards
Position : Manger
Reporting to : Regional Collection Manger
Roles and Responsibilty:
Credit Card and personal Loan Administration
• Collecting payments from the defaulted customers after usage of the credit card
• Collecting payments from the defaulted personal loan customers
• Handling escalations/looking at the field part of collections for executing collection operations.
• Making collection from the customers differently depending upon the aging of cards, the tenure
for which payments have not come in and then giving the right kind of treatment.
• Preparing the monthly bill according the vendros performance
Collections / Debt Management
• Managing and monitoring delinquent account collection and establishing terms of payment as
well as handling Vendor Management.
• Preparing MIS reports to provide feedback to top management on business operations, viz.
collection, credit control, agency performance, etc.
Recovery Management
• Conceptualizing & implementing recovery strategies in case of payment defaults.
• Supervising the team for managing high value fraud cases / defaulters / insolvent clients and
initiating appropriate legal actions against them.
• Coordinating with legal department for sending the legal notices to the non-payment accounts.
Client Relationship Management
• Managing customer centric operations, forwarding customer instructions to the concerned
department & ensuring customer satisfaction by achieving delivery & service quality norms.

2. • Interfacing with clients for understanding their requirements & suggesting the most viable
solution and cultivating relations with them for customer retention & securing repeat business.
Team Management
• Training, leading & monitoring the performance of team members to ensure efficiency in
process operations and meeting of individual & group targets.
• Creating and sustaining a dynamic environment to foster development opportunities and
motivate high performance amongst team members.
Audit and Monthly report
• Conducting monthly audit in agency to monitor collection and other activities
• Preparing monthly performance of agency and staff
• Providing monthly report to top mangement about target vs achived month on month
Highlights
• Efficiently handling 30 , 90 and 120 DPD with a pool size of 3 crores in cards bussiness and 5
crores in salaried personal loan and a team of 30 field executives plus 2 team leaders.
• Sucessfully launched android mobile application collection activity in Banglore .
• Actively managed 30 DPD with a portfolio size of 3 crores and delivered the best numbers in
pan India.
• Portfolio analysis and performance monitoring to reduce write-offs in lesser time and effort.
• Periodic audits and quality control exercise on existing external agents of the organization in
order to confirm compliance with the procedures laid down and maintain quality of portfolio of
the organization.
• FPR for organizing fun activities and process parties for re-energizing the team
• Dealt with the vendors, agency managers, tele-callers and backend personnel.
• Successfully implemented application of various collection techniques, including tracing through
various social network, telecalling, field collection & legal.
• Over-achieved 30 DPD targets by 9% rollforward against the target of 20%
• Reduced GWO by sustaining improvisations in 120 DPD resolution with key focus on GWO
TCS E-Serve (formally Known as Citi Group Service Ltd ) , Bangalore
Telecalling Executive – Payment Assistance: Since Feb 2008 to June 2009
• Efficiently handling 180 days account with 8 executives
• Actively managed telecalling with a portfolio size of 2 crores
• Making collection call to the customers and giving difference option to clear the dues the card.
• Rewriting the card by emi option
• Telecalling accounts on manual and dailer system
Achievements
• Continuously achieved 150 PIP (Performance Incentive Programme ) Score from last six
month and nominated for Credit Elite 2009
• Winner of Plaudits Award for best performance in the month of September 2008
• Handled Cycle 9 as a agency manger for two months and given save of 2 lakh
• New record of normalizing the account about 37 lacks on a portfolio size of 2.2 crores in GCL
• Winner of Plaudits Award for best performance in the month of December 2008
• Winner of Plaudits Award for best performance in the month of January 2009
• Winner of Star of month Award for Feb 2009
Reliance infostream Pvt ltd ,Chennai
Customer service Executive –
• Its an inbound services and giving highly valued services for reliance mobile postpaid and
prepaid customer regarding enquiries and complaint
Academics
• 2006 BSW, School Of Social work Roshni Nilaya , Manglore

3. • 2003 Class 12th,NMPUC Sullia DK
• 2001 Class 10th, JHS Peraje Coorg
•
Computer Proficiency
• Operating System: Windows 2000, XP
• Applications: MS Office
• Internet
Personal Details
• Date of Birth 10th Feb
• Languages Kannada English Malayalam Tamil and Hindi
The above-furnished details are true to the best of my knowledge & belief.
Thanks and regards
AREEF K A