About Us

About REVIK

Who We Are

Revik Empowering Business Solutions is an Ahmedabad-based NPA resolution and recovery agency serving Microfinance Institutions, NBFCs, and financial institutions across Gujarat.
We handle the full recovery lifecycle under one partnership – field collections, tele-calling, Bucket X recovery, write-off case resolution, and structured settlement facilitation. Every service line operates under the RBI Fair Practices Code.
Founded by a recovery operations leader with 17+ years of hands-on experience across India’s leading financial institutions – including building MFI collections operations from scratch at one of Gujarat’s top NPA resolution firms.

Mission & Vision

Mission

To resolve India’s NPA challenge through ethical, ground-level recovery operations that protect lender assets and preserve borrower dignity – one portfolio at a time.

Vision

To become India’s most trusted NPA resolution partner – the first name Banks, NBFCs, and FinTechs call when a portfolio needs to be recovered, not just chased.

Compliance & Ethical Practice

Your agency’s conduct is your regulatory exposure. REVIK is structured to protect your institution – not just recover your portfolio.

RBI Fair Practices Code

All recovery operations comply with the RBI’s Fair Practices Code. Contact windows, communication standards, and borrower interaction protocols are documented and enforced.

Agent Certification

Every field agent and tele-caller is trained on RBI-mandated conduct standards before deployment. No agent enters the field without certification on prohibited practices and borrower rights.

Borrower Complaint Escalation

A documented complaint escalation path is in place for every mandate. Grievances are logged, tracked, and resolved within defined timelines – with a full audit trail.

Contact Window Compliance

Borrower contact is restricted to 8 AM – 7 PM. No exceptions. No weekend calls without prior consent. No contact at the borrower’s workplace unless authorised.

Audit-Ready Documentation

Every interaction – call, visit, notice, settlement discussion – is recorded. Compliance records are auditable on request by the lender or regulator at any time.

Data Confidentiality

All borrower data, portfolio details, and client mandates are handled in strict confidence. No information is shared, disclosed, or used beyond the scope of the assigned recovery mandate.

Our Approach

What happens when you hand us a portfolio?

1

Portfolio Assessment

We receive and stratify your delinquent accounts by DPD bucket, product type, geography, and recovery complexity. Every account gets an individual strategy - not a standard script applied uniformly.

2

Multi-Channel Engagement

Field visits, tele-calling, and legal notices are deployed based on the account profile. Early-stage accounts get structured counseling. Hard NPA accounts get escalation. MFI and NBFC borrowers are engaged differently.

3

Settlement & Resolution

For accounts where full recovery is not immediately achievable, we structure OTS proposals that work for both the lender's provisioning math and the borrower's liquidity reality. The goal is closure - not indefinite pursuit.

4

Reporting & Closure

Regular MIS reporting throughout the mandate. Full documentation at account closure. RBI-compliant records are maintained for every resolved case. Your compliance team receives everything they need - without asking.

Our Values

What We Stand For

Ethical Recovery

Every field visit, every call, and every legal action follows the RBI Fair Practices Code. Not as a policy document filed away, but as a daily operating standard enforced on every case.

Accountability

Every account has a status. Every interaction has a record. Every outcome has documentation. No grey zones. No verbal updates without written trails.

Results Over Activity

We measure recovery rates and closure ratios - not call volumes and visit counts. Activity without outcome is cost, not progress.

Continuous Improvement

Training frameworks, QA systems, and recovery strategies are reviewed and refined every quarter. What worked last month is baseline - not ceiling.

Leadership

Vikas Parmar

Founder & Director

17+ years in recovery operations across India’s financial services sector. Built end-to-end MFI collections operations – training frameworks, quality assurance systems, and field governance – at one of Gujarat’s leading NPA resolution firms before founding REVIK.
Previous leadership roles at ClearDu (MFI Collections Head), mPokket (Finance Operations), Cogent E-Services (Airtel), Serco BPO (TATA Docomo), and TATA Business Support Services.
Core expertise:
Recovery Operations · Business Development · Team Management · Customer Handling · Training & Quality Governance · RBI Compliance

Our Experts

HR & Administration

Khushi Parmar

I handle HR and administration at REVIK – recruitment, onboarding, employee documentation, attendance, payroll coordination, and day-to-day office administration. Interview coordination, HR reporting, policy compliance, employee records – the operational side of keeping a growing recovery operations team organised and running smoothly. Comfortable with MS Office and Excel for HR reporting and record management. Confidentiality and attention to detail matter most in this role, and that’s where I focus. Ahmedabad, Gujarat.

Operations Manager

Shubham Boddu

I manage collections operations at REVIK – field, tele-calling, and portfolio execution across MFI and NBFC accounts. 6+ years working collections across product lines. Personal loans, vehicle loans, consumer loans, microfinance group accounts. Different products need different approaches, and that’s the part of this job I’ve spent the most time getting right. At REVIK, that means running the day-to-day – assigning accounts by bucket and product, coordinating field and tele-calling teams, and making sure every interaction stays within RBI’s Fair Practices Code. Ahmedabad, Gujarat.

Where We Operate

Gujarat - Primary Operations -

Field agents and tele-calling operations active across urban and semi-urban Gujarat.

Madhya Pradesh & Beyond - Expansion Underway -

Operations extending into MP’s growing NBFC and MSME lending markets – with PAN-India coverage as the long-term goal.