Charles M
Hansa Abhinav,No 67A,Flat no 6C F2,Glass Factory Road, Thiruvottiyur Chennai
Summary
Confident professional with experience in fostering strong interpersonal relationships and effective communication. Contributed to organizational goals through dedication and a strong work ethic. Committed to supporting company objectives and driving success.
Seasoned Area Collection Manager with background in overseeing successful collection operations. Skilled in strategizing and implementing effective collection initiatives, ensuring compliance with legal guidelines, and managing high-performing teams. Known for strong leadership skills, ability to reduce debt outstanding amounts, and improving overall operational efficiency. Committed to fostering positive customer relationships while achieving business objectives.
Overview
3
3
years of post-secondary education
19
19
years of professional experience
Work History
Area Collection Manager
ARKA Fincap Limited
Chennai,Tamilnadu
02.2026 - Current
- Led collection efforts to recover overdue accounts, increasing recovery rates across assigned regions.
- Managed secured and unsecured business loans, ensuring compliance and risk mitigation throughout Tamilnadu region.
- Developed strategies to enhance collection processes and boost customer engagement.
- Trained and mentored staff on effective collection techniques and compliance standards.
Deputy Manager (Secured & Unsecured)
OFB – Oxyzo Financial Private Ltd
Chennai
06.2019 - 01.2026
- Drove team efforts for entire bucket and early defaulters, contributing to delinquency reduction.
- Handled Purchase Financing,Supply chain Financing,Loan Against Property,Business loans
- Handled secured and unsecured delinquent customers to ensure effective recovery.
- Managed branch collections in Tamil Nadu and Mysuru regions.
- Managed seized asset processes and coordinated distribution.
Senior Officer – Business Loan
Indiabulls – Team Lease Payroll
Chennai
09.2018 - 06.2019
- Managed over 60 days past due accounts
- Managed daily operational tasks ensuring smooth workflow in a fast-paced environment.
- Collaborated with team members to improve efficiency and streamline processes.
- Assisted in training new employees on company policies and procedures.
Manager – Used Cars
Pranav Associates
03.2017 - 09.2018
Territory Manager Collections (Used Cars)
TVS Credit Service Ltd
Chennai
02.2015 - 03.2017
- Managed 8 in-house field executives and agencies
- Managed a portfolio of used cars, ensuring proper documentation and compliance.
- Oversaw all aspects of delinquent client account management to ensure timely follow-up.
- Coordinated repossession of used cars with organized repo agencies
- Reporting to Regional Collection Head
Junior Manager Receivables (Commercial Vehicles)
Cholamandalam Investments and Finance Company Ltd
Chennai
06.2009 - 02.2015
- Led in-house field team of 6 members
- Taking care of All Buckets Delinquent Client
- Managed all buckets of delinquent clients
- Coordinated repossession efforts for commercial vehicles with agencies
- Submitted reports to state heads for review
Team Leader ( Credit Card & Personal Loans)
ABN AMRO BANK
Chennai
08.2007 - 06.2009
- Handled in-house calling Team with 8 Members & 2 Field Agencies
- Handled in-house calling Team with 8 Members & 2 Field Agencies
- Managed call assignments for Bucket X with a team of 8 members and 2 field agencies.
Education
B B A - General Management
Norwich Institute of Management Studies
Chennai 03.2018 - 03.2021
H S C -
K C S H S S
CHENNAIS.S.L.C -
K C S H S S
CHENNAISkills
- Collections
- Sarfaesi
- Repossession
- Asset recovery
- Settlements
- Agency Management
- Problem Resolution
- Interpersonal skills
- Effective communication
- Strong work ethic
Languages
- Tamil
- English
Personal Information
Handled in-house calling team with 8 members & 2 field agencies, Taking care of Credit Cards & STPL, Bucket X with calling team & 31-60, 61-90 with agencies, Handled in-house field team with 6 members, Commercial Vehicle Portfolio Handled, Taking care of All Buckets Deliquent Client, Repossession CV with help of Repo Agencies, Reported to State heads, Handled 8 in-house field executives & agencies, Used Car Portfolio Handled, Taking care of all buckets Deliquent Client, Repossession Used Cars with the help of Organized Repo Agencies, Reporting to Regional Collection Head
Languages
Tamil
First Language
English
Upper Intermediate
B2
Timeline
Area Collection Manager
ARKA Fincap Limited
02.2026 - Current
Deputy Manager (Secured & Unsecured)
OFB – Oxyzo Financial Private Ltd
06.2019 - 01.2026
Senior Officer – Business Loan
Indiabulls – Team Lease Payroll
09.2018 - 06.2019
B B A - General Management
Norwich Institute of Management Studies
03.2018 - 03.2021
Manager – Used Cars
Pranav Associates
03.2017 - 09.2018
Territory Manager Collections (Used Cars)
TVS Credit Service Ltd
02.2015 - 03.2017
Junior Manager Receivables (Commercial Vehicles)
Cholamandalam Investments and Finance Company Ltd
06.2009 - 02.2015
Team Leader ( Credit Card & Personal Loans)
ABN AMRO BANK
08.2007 - 06.2009
H S C -
K C S H S S
S.S.L.C -
K C S H S S