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    "name": "Nitin Bargoti",
    "label": "Collection Manager | Credit, Sales & Recovery Professional",
    "summary": "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.",
    "location": "New Ashok Nagar, Delhi, India"
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  "work": [
    {
      "company": "Home Credit India Finance Pvt. Ltd., Gurgaon",
      "position": "Executive Collections",
      "startDate": "2017-11",
      "endDate": "2018-12",
      "highlights": [
        "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"
      ]
    },
    {
      "company": "Medbay India Pvt. Ltd., Noida",
      "position": "Senior Executive – Sales",
      "startDate": "2019-01",
      "endDate": "2020-11",
      "highlights": [
        "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"
      ]
    },
    {
      "company": "Indifi Technologies Pvt. Ltd., Gurgaon",
      "position": "Executive Collections",
      "startDate": "2021-01",
      "endDate": "2022-12",
      "highlights": [
        "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"
      ]
    },
    {
      "company": "R. K. Bansal Finance Pvt. Ltd.",
      "position": "Senior Collection Executive",
      "startDate": "2023-01",
      "endDate": "2024-09",
      "highlights": [
        "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"
      ]
    },
    {
      "company": "Ayaan Finserve India Pvt. Ltd.",
      "position": "Deputy Collection Manager",
      "startDate": "2024-09",
      "endDate": "2025-02",
      "highlights": [
        "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"
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    {
      "company": "Har Shreejee Finance and Leasing Company Limited",
      "position": "Collection Manager (Operations Head)",
      "startDate": "2025-05",
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      "highlights": [
        "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"
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    }
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  "education": [
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      "institution": "H.L.R.L. Inter College",
      "degree": "Intermediate (12th Standard)"
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      "institution": "City Convent School",
      "degree": "High School (10th Standard)"
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    "Tele-calling Operations",
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    "MIS Reporting",
    "Operational Management",
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      "language": "Hindi",
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      "fluency": "Fluent"
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