Naresh Rawat

About

Debt recovery professional with 3+ years of experience managing delinquent credit accounts in a fast-paced NBFC environment. Currently pursuing an MBA and known for balancing recovery targets with customer relationships, financial assessment, negotiation, and regulatory compliance.

Experience

• Debt Recovery Officer (DRO)
  TVS Credit Services Ltd
  Aug 2026 – Present

  Manage a portfolio of delinquent credit accounts end-to-end, from risk assessment through resolution, consistently meeting monthly recovery targets. Assess customer repayment capacity through financial analysis and structure realistic, sustainable repayment plans that improve recovery rates while preserving the customer relationship. Negotiate directly with customers to resolve overdue accounts, balancing firmness on recovery with professionalism and empathy. Prepare daily and weekly MIS reports on collections activity, giving management accurate, up-to-date visibility into portfolio health. Ensure every recovery action adheres to RBI fair-practice guidelines and internal compliance standards. Partner with internal teams (credit, operations, legal) to resolve account discrepancies and escalations efficiently.

Education

• Master of Business Administration (MBA)
  Suresh Gyan Vihar University
  Jun 2028
• Bachelor of Science (B.Sc.)
  Jiwaji University
  2018
• Higher Secondary (12th)
  2015
• High School (10th)
  2013

Skills

Languages