C. RAJESH
State Head – Collections (TN & Kerala)
Mayiladuthurai
Summary
Results-driven Banking & Collections Leader with 19+ years of experience in managing large-scale retail and rural loan portfolios across top financial institutions. Currently serving as State Head – Collections (TN & Kerala) at Axis Bank, driving high-impact recovery strategies, reducing delinquency, and leading multi-layered teams. Expertise in portfolio management, legal recovery, field collections, team leadership, and strategic delinquency control. Proven ability to deliver consistent results in high-pressure, target-driven environments while ensuring compliance and customer-centric resolution.
Overview
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1
Language
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1
Certificate
21
21
years of professional experience
Work History
State Head – Collections (TN & Kerala)
AXIS BANK LTD.
09.2024 - Current
- Lead end-to-end collections for RPMG portfolio across Tamil Nadu & Kerala
- Manage and mentor a team of 2 Area Collection Managers & 11 Collection Managers
- Drive daily/monthly recovery targets through real-time monitoring and field interventions
- Design action plans for high-risk and overdue accounts, improving recovery efficiency
- Ensure strict adherence to SOPs, compliance, and legal recovery processes
- Conduct Lok Adalats and conciliation camps for dispute resolution and settlements
- Handle escalated customer issues, ensuring service quality and retention
- Present daily MIS, dashboards, and performance insights to senior leadership
Area Relationship Manager – Collections (RIBG)
ICICI BANK LTD.
10.2016 - 09.2024
- Managed collections for RIBG products (KCC, Farm Equipment, SHG, Agri Finance) across multiple districts
- Led a team of 6 Relationship Managers, ensuring consistent target achievement
- Strengthened recovery through structured field visits and delinquency tracking
- Reduced portfolio risk through cycle-based delinquency resolution strategies
- Specialized in legal recovery and disputed account resolution
- Conducted Lok Adalats and negotiated settlements for high-value delinquent accounts
- Maintained strong control over NPAs and overdue accounts
- Delivered consistent performance in target achievement and portfolio health improvement
Team Leader – Collections
HDB FINANCIAL SERVICES PVT. LTD.
10.2009 - 09.2016
- Managed a team of 30+ collection executives across secured & unsecured products
- Handled portfolios including Personal Loans, Auto Loans, CV, Two-Wheeler Loans & Credit Cards
- Ensured target achievement through field collections and recovery strategies
- Resolved high-value and sensitive customer disputes
- Maintained quality standards in customer interactions and recovery processes
- Coordinated with internal stakeholders and clients to meet business goals
Customer Contact Executive – Collections
ADVENTITY GLOBAL SOLUTIONS PVT. LTD.
05.2008 - 10.2009
- Managed tele-collections for Citi Financial portfolio
- Handled delinquent accounts through structured follow-ups
Data Entry Operator
NETMATRIX PVT. LTD.
12.2005 - 04.2008
Education
Bachelor of Science - Physics
Higher Secondary - HSC
SSLC - undefined
Skills
Collections management
Analytical problem-solving
Team leadership
Communication negotiation
Microsoft Office Suite
Friendly, positive attitude
Teamwork and collaboration
Customer service
Certification
Debt Recovery Agent Certification
Accomplishments
- Successfully managed multi-state collection portfolio (TN & Kerala) at Axis Bank
- Consistently achieved collection targets and reduced delinquency rates
- Led large teams (30+ members) with high performance output
Timeline
State Head – Collections (TN & Kerala) - AXIS BANK LTD.
09.2024 - Current
Area Relationship Manager – Collections (RIBG) - ICICI BANK LTD.
10.2016 - 09.2024
Team Leader – Collections - HDB FINANCIAL SERVICES PVT. LTD.
10.2009 - 09.2016
Customer Contact Executive – Collections - ADVENTITY GLOBAL SOLUTIONS PVT. LTD.
05.2008 - 10.2009
Data Entry Operator - NETMATRIX PVT. LTD.
12.2005 - 04.2008
A.V.C College of Arts & Science - Bachelor of Science, Physics
T.G.N.M Hr. Sec School - Higher Secondary, HSC
T.G.N.M Hr. Sec School - SSLC,
PERSONAL DETAILS
Languages: English, Tamil
DECLARATION
I hereby declare that the above information is true and correct to the best of my knowledge.