Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Salvius D'silva

68 Scottwell Drive Colindale ,London

Summary

Experienced financial services professional with 10+ years in debt management, asset recovery, and collections across banking and finance sectors. Proven track record in NPA account recovery, team management, and regulatory compliance. Expertise in SARFAESI procedures, e-auction management, and strategic portfolio optimisation.

Overview

12
12
years of professional experience

Work History

Assistant Manager Recovery (Home Loans, Auto)

Citizencredit Co-operative Bank Ltd
Mumbai
08.2022 - 04.2025
  • Managed NPA account recovery through direct borrower engagement and legal proceedings
  • Executed physical possession of mortgage properties under SARFAESI guidelines
  • Coordinated asset disposal through e-auctions and private treaties, optimising recovery rates
  • Developed quarterly and monthly recovery plans, achieving consistent target performance.
  • Supervised portfolio across Mumbai, Goa, Pune, and Daman regions
  • Prepared comprehensive MIS reports for Board and Management review
  • Conducted asset valuations and managed reserve price approvals for auction processes.

Assistant Manager Debt Management (Commercial Vehicles)

Bajaj Auto Finance Ltd
01.2021 - 08.2022
  • Managed Bucket 3-6 Commercial Vehicles Portfolio with focus on performance optimization
  • Allocated vendor resources based on performance metrics and field officer availability
  • Supervised repossession operations and coordinated with enforcement agencies
  • Handled customer escalations and legal compliance issues
  • Achieved collection targets through strategic team deployment and process improvement

Associate Collection Manager (Two Wheeler)

IDFC First Bank
12.2019 - 10.2020
  • Managed collection processes for assigned debt portfolio with bucket-wise tracking
  • Controlled area delinquency through targeted intervention on non-starter accounts
  • Coordinated with legal team for LRN notice issuance on non-recoverable cases
  • Maintained comprehensive MIS reporting and collection performance analytics
  • Conducted high-value customer visits for personalized recovery approaches

Senior Sales & Collections Coordinator

Matrimony.com Ltd
09.2013 - 12.2019
  • Coordinated payment processes and managed doorstep sales operations.
  • Supervised collection team and identified process improvement opportunities
  • Conducted skills assessments and provided sales training recommendations
  • Managed revenue reconciliation and maintained financial reporting standards
  • Achieved consistent collection targets through effective team coordination

Education

Bachelor of Commerce -

Brights College of Arts And Commerce
Mumbai
05-2018

Higher Secondary Certificate - Commerce

St. Joseph's Junior College
Mumbai
05-2012

Secondary School Certificate -

St. Aloysius High School
Mumbai
06-2010

Skills

  • Debt Management
  • Asset Recovery
  • NPA Resolution
  • Portfolio Management
  • SARFAESI Procedures
  • Legal Documentation
  • Audit Compliance
  • Team Leadership
  • Vendor Management
  • Process Optimization
  • MIS Reporting
  • E-auction Management
  • Asset Valuation
  • Risk Assessment

Languages

  • English, Advanced - C1
  • Hindi, Native

Timeline

Assistant Manager Recovery (Home Loans, Auto)

Citizencredit Co-operative Bank Ltd
08.2022 - 04.2025

Assistant Manager Debt Management (Commercial Vehicles)

Bajaj Auto Finance Ltd
01.2021 - 08.2022

Associate Collection Manager (Two Wheeler)

IDFC First Bank
12.2019 - 10.2020

Senior Sales & Collections Coordinator

Matrimony.com Ltd
09.2013 - 12.2019

Bachelor of Commerce -

Brights College of Arts And Commerce

Higher Secondary Certificate - Commerce

St. Joseph's Junior College

Secondary School Certificate -

St. Aloysius High School

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Salvius D'silva