Summary
Overview
Work History
Education
Skills
References
Timeline
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Hansraj Guptar

Felicity

Summary

Managerial professional with proven record of streamlining processes and leading high-performing teams. Known for strong analytical skills and commitment to achieving results. Teams rely on collaborative leadership and adaptability to changing needs.

Collaborative leader partners with coworkers to promote engaged, empowering work culture. Documented strengths in building and maintaining relationships with diverse range of stakeholders in dynamic, fast-paced settings.

Overview

22
22
years of professional experience

Work History

Manager Collections

ANSA Merchant Bank Limited
01.2023 - Current
  • Ensure company-wide compliance with the company’s Collections/Credit policies and procedures.
  • Setting collection goals and targets for the bank.
  • Creating and implementing strategies to improve the collection of outstanding debts.
  • Implementing collection policies and procedures to avoid excessive outstanding credit.
  • Ensuring that the company policy on recoveries is followed and that it is in line with regulations.
  • Implementing deadlines for invoicing leases and payment collection.
  • Negotiating with customers in cases when non-payment occurs.
  • Preparing monthly feedback reports on collections.
  • Attending to legislative matters and training staff regarding same.
  • Training and mentoring of staff members in the collections department.
  • Preparation of Bank’s provisioning reports in line with IFRS9 regulations.
  • Management of Delinquent portfolios over regional countries.
  • Management of Vehicles and Property Sales.
  • Perform other related duties as may be required.
  • Reviewing Credit Applications for restructures.
  • Managed and motivated employees to be productive and engaged in work.
  • Accomplished multiple tasks within established timeframes.
  • Developed and maintained relationships with customers and suppliers through account development.
  • Developed a strong company culture focused on employee engagement, collaboration, and continuous learning opportunities.
  • Achieved departmental goals by developing and executing strategic plans and performance metrics.
  • Built high-performing teams through effective recruitment, onboarding, and talent development initiatives.
  • Reduced operational costs through comprehensive process improvement initiatives and resource management.

Dedicated Restructure Unit

First Citizens Bank Limited
01.2022 - 01.2023
  • Reviewing and completing Credit Applications that required rehabilitation.
  • Analyzing Key Areas such as Working Capital, Inventory Levels, Receivables, Intercompany borrowings, dividends, Leverage, expenditure/Cost of Sales, DSCR and Accounts payables.
  • Worked effectively in fast-paced environments.
  • Self-motivated, with a strong sense of personal responsibility.
  • Proven ability to learn quickly and adapt to new situations.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Demonstrated strong organizational and time management skills while managing multiple projects.

Supervisor Mortgages

First Citizens Bank Limited
01.2017 - 01.2023
  • Supervises staff while ensuring on the job training, administering to staff related issues.
  • Oversees debt recovery via restructures, sales, arrangements etc.
  • Interviews delinquent and guarantors to rectify loan problems.
  • Liaises with Manager on legal matters on accounts.
  • Attends court matters where necessary.
  • Liaises with Attorneys, Bailiffs, and external service providers.
  • Ensures arrangement for maintenance and security of abandoned properties.
  • Submits recommendations to Manager for removal of loans from Non-performing.
  • Reviews CCMR’s and other reports.
  • Ensures individual and team targets.
  • Conducts site visits.
  • Oversees bidding process.
  • Makes recommendation to Manager for consideration/approval/implementation of policies affecting Unit’s effectiveness.

Account Officer

First Citizens Bank Limited
10.2006 - 04.2017
  • Control and Collection on assigned delinquent Mortgages portfolio and ensures that the mortgage accounts are restored to a current performing status and/or improved risk rating as effectively and expeditiously as possible through account rehabilitation to improve portfolio quality.

Account Officer

First Citizens Bank Limited - Taurus Services Ltd
09.2003 - 09.2006
  • Control and Collection on assigned delinquent Mortgages/Instalment/ADB loans portfolio and ensures that the accounts are recovered as possible through account rehabilitation/liquidation to decrease portfolio balance.

Education

FRM Designation - Risk Management

GAPP
Virtual
01-2026

Masters of Business Administration - Finance

University of Bedfordshire

Bachelors of Arts - Business Administration

University of Hertfordshire

Advanced Diploma Level 6 - undefined

Associate of Business Executives (ABE)

Certificate of Higher Education - Business Management

University of London - London School of Economics

Cambridge Advanced Level - Business Studies, Accounting

Skills

  • Highly motivated, diligent and goal oriented
  • Effective working in groups or individually
  • Strong written and verbal communication skills
  • Team leadership
  • Decision-making
  • Complex Problem-solving
  • Strategic planning
  • Operations management
  • Customer relationship management (CRM)
  • Risk management
  • Cross-functional team management
  • Process improvement

References

Susan, Moolchan, 652-3461, Girwar & Deonarine Attorneys at Law

Timeline

Manager Collections

ANSA Merchant Bank Limited
01.2023 - Current

Dedicated Restructure Unit

First Citizens Bank Limited
01.2022 - 01.2023

Supervisor Mortgages

First Citizens Bank Limited
01.2017 - 01.2023

Account Officer

First Citizens Bank Limited
10.2006 - 04.2017

Account Officer

First Citizens Bank Limited - Taurus Services Ltd
09.2003 - 09.2006

Bachelors of Arts - Business Administration

University of Hertfordshire

Advanced Diploma Level 6 - undefined

Associate of Business Executives (ABE)

Certificate of Higher Education - Business Management

University of London - London School of Economics

Cambridge Advanced Level - Business Studies, Accounting

FRM Designation - Risk Management

GAPP

Masters of Business Administration - Finance

University of Bedfordshire
Hansraj Guptar