Nitin Bargoti

Collection Manager | Credit, Sales & Recovery Professional

Results-driven Operations Head and Collection Manager with 8+ years of experience in NBFC, Fintech, and Financial Services organizations. Proven expertise in Sales Operations, Credit Operations, Collections, Recovery Management, Portfolio Monitoring, Team Leadership, and Business Development. Experienced in leading cross-functional teams, driving business growth, controlling delinquency, improving portfolio quality, supporting credit decisions, and achieving organizational targets. Strong leadership, analytical, negotiation, and operational management skills with a proven track record of delivering business results.

[email protected] +91 7303948077 New Ashok Nagar, Delhi, India
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Languages
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Skills
Work Experience
Executive Collections
Home Credit India Finance Pvt. Ltd., Gurgaon
Nov 2017 — Dec 2018
  • Managed collections for Consumer Durable Loan portfolios
  • Contacted customers regarding overdue payments and negotiated repayment solutions
  • Maintained collection records and ensured policy compliance
  • Assisted in improving collection efficiency and portfolio recovery performance
Senior Executive – Sales
Medbay India Pvt. Ltd., Noida
Jan 2019 — Nov 2020
  • Promoted Medical Loans and Personal Loan products through tele-sales channels
  • Generated leads, converted prospects, and achieved sales targets
  • Built and maintained strong customer relationships
  • Guided customers throughout the loan application and approval process
Executive Collections
Indifi Technologies Pvt. Ltd., Gurgaon
Jan 2021 — Dec 2022
  • Managed overdue Business Loan accounts through field teams and collection agencies
  • Coordinated recovery activities and monitored collection performance
  • Followed collection compliance standards and internal policies
  • Assisted in reducing portfolio delinquency and improving recovery rates
  • Maintained customer communication and account resolution records
Senior Collection Executive
R. K. Bansal Finance Pvt. Ltd.
Jan 2023 — Sep 2024
  • Managed tele-calling and field collection teams for recovery operations
  • Coordinated with customers to resolve overdue accounts and negotiate repayment plans
  • Supervised field collection activities and ensured operational efficiency
  • Prepared collection reports and recovery performance analysis
Deputy Collection Manager
Ayaan Finserve India Pvt. Ltd.
Sep 2024 — Feb 2025
  • Managed end-to-end collection operations across tele-calling and field recovery teams
  • Led collection executives and field staff to achieve monthly recovery and delinquency control targets
  • Monitored portfolio performance, overdue accounts, bucket movement, and collection efficiency
  • Provided direct operational support to the Credit Department through customer repayment analysis and risk feedback
  • Assisted credit teams in customer profile evaluation and lending decision support
  • Handled escalated collection cases, settlements, restructuring discussions, and recovery negotiations
  • Generated MIS reports and performance dashboards for management review
  • Implemented collection strategies and operational improvements to maximize recoveries
Collection Manager (Operations Head)
Har Shreejee Finance and Leasing Company Limited
May 2025 — PresentCurrent
  • Lead and manage Sales, Credit, and Collections departments to achieve business and operational goals
  • Oversee customer acquisition, loan processing, portfolio growth, and revenue generation activities
  • Manage credit assessment, customer verification, documentation review, and underwriting support processes
  • Lead collection and recovery operations through tele-calling teams, field executives, and recovery staff
  • Monitor portfolio quality, delinquency levels, recovery performance, and overall business profitability
  • Develop and implement operational policies, recovery strategies, and performance improvement initiatives
  • Prepare MIS reports, portfolio analysis, and management dashboards for senior leadership
  • Drive team productivity through recruitment, training, performance monitoring, and mentoring
  • Ensure compliance with company policies, regulatory guidelines, and risk management standards
Skills
Collection ManagementRecovery OperationsCredit SupportTeam HandlingField OperationsTele-calling OperationsPortfolio MonitoringDelinquency ManagementCustomer NegotiationMicrosoft ExcelMIS ReportingOperational ManagementLeadership & Team Development
Education
Intermediate (12th Standard)
H.L.R.L. Inter College
High School (10th Standard)
City Convent School
Languages
Hindi
Native
English
Fluent
Personal Details
Date of Birth: 20 August 1997
Nationality: Indian
Place of Birth: Bulandshahr, Uttar Pradesh
Driving License: Available
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