Eshwari Srirangam
Visakhapatnam,AP
Summary
Dynamic Credit Underwriter at HSBC Electronic Data Processing, adept at financial credit assessment and fostering cross-functional teamwork. Achieved consistent success in reducing outstanding receivables while maintaining strong client relationships through effective problem resolution and communication skills. Committed to continuous improvement and compliance with lending regulations, ensuring a well-regulated work environment.
Overview
17
17
years of professional experience
Work History
Credit Underwriter
HSBC Electronic Data Processing
03.2020 - Current
- Continuously improved personal productivity through ongoing training sessions and staying updated on industry best practices.
- Upheld strict adherence to confidentiality policies when handling sensitive client information, preserving trust within the organization.
- Collaborated with loan officers and sales teams for seamless communication during the application process.
- Ensured compliance with lending regulations and guidelines, contributing to a well-regulated work environment.
- Built strong relationships with clients, fostering trust and loyalty in the company''s services.
Customer Service Executive
HSBC Electronic Data Processing
04.2017 - 02.2020
- Enhanced customer satisfaction by promptly addressing inquiries and resolving issues.
- Escalated critical customer issues to supervisor to avoid lost revenue and canceled policies.
- Collaborated with cross-functional teams to improve overall customer experience and streamline processes.
- Fostered an environment that encouraged open communication among team members, promoting collaboration and innovation.
- Established rapport with clients through effective communication and active listening skills.
- Escalated complex issues to appropriate departments for timely resolution, ensuring customer satisfaction.
- Exceeded performance targets by consistently maintaining high levels of productivity and quality service.
- Mentored junior staff members in best practices for delivering exceptional customer service in a fast-paced environment.
- Conducted ongoing training for new hires, contributing to the development of a skilled team of representatives.
Collection Customer Service Representative
HSBC Electronic Data Processing
03.2009 - 04.2017
- Reduced outstanding receivables by consistently following up on overdue payments and negotiating payment arrangements.
- Utilized advanced skip-tracing techniques to locate hard-to-find debtors, increasing the likelihood of successful collections efforts.
- Exceeded monthly targets for both individual collections results and team performance consistently, demonstrating a strong commitment to achieving organizational goals.
- Ensured compliance with all applicable federal, state, and local regulations governing debt collection activities while protecting consumer rights.
- Mitigated potential losses by closely monitoring high-risk accounts and taking appropriate action when necessary, such as recommending litigation or writeoffs.
- Proficiently managed a high-volume workload of inbound calls from customers seeking assistance with their past-due balances.
- Collaborated with cross-functional teams to implement strategies for improving collection rates and reducing bad debt.
- Educated customers on their financial obligations, offering guidance on budgeting and repayment options tailored to their individual circumstances.
- Negotiated settlements within approved guidelines while preserving positive customer relationships whenever possible.
- Maintained strict confidentiality of sensitive customer information, adhering to company policies and industry regulations regarding data privacy.
- Developed strong relationships with customers through empathetic communication and active listening, resulting in increased trust and cooperation during collections efforts.
- Contacted customers to discuss past-due accounts and negotiated payment plans.
- Responded to customer inquiries and provided detailed account information.
- Monitored customer accounts for payment delinquency and initiated collection efforts.
- Worked with customer to create debt repayment plan based on current financial condition.
- Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices.
- Analyzed customer financial records to determine appropriate payment plan.
- Initiated repossession process or service disconnection upon failure of other collection methods.
- Improved customer satisfaction by promptly addressing and resolving collection inquiries and concerns.
Customer Service Executive
HSBC Electronic Data Processing
10.2008 - 03.2009
- Maintained strict confidentiality while handling sensitive client information and records.
- Kept optimal quality levels to prevent critical errors and support team performance targets.
- Reduced manual input errors with thorough proofreading and attention to detail in all data entries.
- Enhanced data accuracy by meticulously entering and verifying information in various databases.
- Verified accuracy and validity of data entered in databases
- Ensured timely completion of assigned tasks, maintaining a high level of professionalism under pressure and tight deadlines.
- Committed to continuous learning, actively seeking opportunities for professional development within the field of Data Capturing.
- Developed expertise in multiple database systems, allowing for efficient navigation and prompt resolution of discrepancies when encountered.
- Excelled in working independently as well as collaborating with teams, utilizing strong multitasking skills to manage competing priorities.
- Contributed to a positive work atmosphere through effective communication and collaboration with colleagues.
- Participated in ongoing training sessions to stay current with industry best practices and improve overall performance as a Data Capturer.
- Entered client information into databases quickly and with minimal errors.
Education
B.Commerce -
Andhra University
Visakhapatnam, India07-2021
Skills
- Debt arrangement proficiency
- Thorough documentation review
- Financial credit assessment
- Detailed cash flow assessment
- Monitoring application statuses
- Cross-functional teamwork
- Effective team collaboration
- Effective problem resolution
Languages
English
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Telugu
Beginner (A1)
Work Preference
Work Type
Full TimeWork Location
RemoteImportant To Me
Work-life balanceFlexible work hoursHealthcare benefitsWork from home optionPaid time offPersonal development programsPaid sick leaveTeam Building / Company RetreatsCareer advancementCompany CultureWork Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Interests
Listening to Music
Timeline
Credit Underwriter
HSBC Electronic Data Processing
03.2020 - Current
Customer Service Executive
HSBC Electronic Data Processing
04.2017 - 02.2020
Collection Customer Service Representative
HSBC Electronic Data Processing
03.2009 - 04.2017
Customer Service Executive
HSBC Electronic Data Processing
10.2008 - 03.2009
B.Commerce -
Andhra University
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