GOWTHAM MAHENDRAN
DEBT MANAGEMENT
TAMIL NADU,TAMIL NADU
Summary
Dynamic Collections Manager with over 9years thriving in high pressure, team atmospheres. Strong team leader with clear record of success meeting revenue and staff retention goals.
Overview
8
8
years of professional experience
Work History
Deputy Area Manager
BAJAJ FINSERV VENTURES LIMITED
HOSUR
12.2023 - Current
- Handling four locations managers and vendors taking care of Bkt 1 book size of 2.5Cr and maintains collections and process management.
- Encouraged customers to pay due amounts on credit accounts, claims or overdrawn checks.
- Reviewed accounts and negotiated repayment plans with clients.
- Improved overall recovery rates through strategic negotiation tactics.
- Recorded information about status of collection efforts.
- Ensured compliance with federal, state, and local regulations in collections activities.
- Handled escalated customer complaints related to billing issues.
- Monitored overdue accounts to identify potential collection issues.
- Received payments and posted amounts to customer accounts.
- Investigated billing discrepancies and implemented effective solutions to resolve concerns and prevent future problems.
- Trained new team members on company policies and procedures.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
COLLECTION MANAGER ( CREDIT CARDS)
HDFC BANK LTD
08.2019 - 11.2024
- Trained and mentored new employees on collection methods, documentation requirements and performance strategies.
- Supervised staff of collectors, monitoring phone calls and letters.
- Contacted customers to discuss late payments and options for remitting amounts due.
- Researched accounts and completed due diligence to resolve collection problems.
- Contacted customers to collect outstanding payments via one-time or negotiated installment methods.
- Conducted investigations of customer accounts and payment histories.
- Contacted clients with past-due payments and actively monitored payments due from clients.
- Reviewed, researched and corrected discrepancies and customer concerns.
- Follow up on Strategies of field for the portfolio managed.
- Monitor and review field team to achieve set targets.
- Achieve the resolution normalization & rollback as per target.
- Inventory Control for reducing opening balance of portfolio using the rollback & normalization concept.
- Collection efficiency has to tracked monitored and improved consistently over the baseline target published on an on going basics.
- To focus on reduction of NPA with special attention to 30+ segments along with higher resolution & rollback on focus segment.
AREA COLLECTION MANAGER
JANA SMALL FINANCE BANK
07.2016 - 08.2019
- Portfolio Size:11500 Small batch Customers (Unsecured Loan)Size-27C.
- Portfolio Size:370 Individual Loan Customer (Unsecured Loan)Size - 13C.
- Preparing MIS reports (sales and Collection) to Middle management on business operations.
- Business Expansion Loan & Small Batch Loans & Personal Loans
- Conducting personal discussion pertains to the loan.
- Analyzing Business potential and Income in Market.
- Managing Sales and Collection Target.
- Verification on post utilization of loans.
- Carrying out the cash flow analysis .
- Positive motivation with Low attrition among team.
- Carrying good Audit report
Education
MBA - MARKETING & OPERATIONS
SRM UNIVERSITY
CHENNAI06.2016
BE - Computer Engineering Technology
SATHAYABAMA UNIVERSITY
CHENNAI07.2014
High School Diploma -
SARAWATHI MATRIC HIGHER SECONDARY SCHOOL
ATTUR05-2010
Skills
- Performance Strategies
- Audits Expertise
- Superior Attention to Detail
- Microsoft Excel
- Collection Calls
- Past Due Procedures
- Past Due Balance Management
- Payment Acceptance
Languages
Tamil
First Language
Tamil
Proficient (C2)
C2
English
Proficient (C2)
C2
Telugu
Beginner (A1)
A1
Timeline
Deputy Area Manager
BAJAJ FINSERV VENTURES LIMITED
12.2023 - Current
COLLECTION MANAGER ( CREDIT CARDS)
HDFC BANK LTD
08.2019 - 11.2024
AREA COLLECTION MANAGER
JANA SMALL FINANCE BANK
07.2016 - 08.2019
MBA - MARKETING & OPERATIONS
SRM UNIVERSITY
BE - Computer Engineering Technology
SATHAYABAMA UNIVERSITY
High School Diploma -
SARAWATHI MATRIC HIGHER SECONDARY SCHOOL
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