Summary
Overview
Work History
Education
Skills
Awardsrecognition
Personal Information
Languages
Timeline
Generic
Guru Prasad M

Guru Prasad M

Hyderabad

Summary

Experienced Regional Manager with 20 years of expertise in Financial Services, specializing in Early & Mid Bucket NPA Collection Management. Proven track record in leading large teams and implementing effective systems to enhance productivity. Adept in managing collections across various products, including Small Business Loans, Loan Against Property, Farm Collections, Business loans, Personal Loans, TW Loans, Used & New car loans, Commercial Vehicle loans with significant experience in the Captive environment. I am currently working as an Area Manager, overseeing operations in the southern states. I have extensive experience in each state, having worked in the capitals: Hyderabad, Bangalore, Vijayawada, and Chennai. I am fluent in Telugu, Hindi, Tamil, and Kannada.

Overview

18
18
years of professional experience

Work History

Area manager - South

Tata capital limited
5 2023 - Current
  • Managing the CV Pool for the entire south..
  • Handling 0-N Bkts


Currently looking for better opportunity due to CV Business has been stopped and No growth in the book

Regional Manager - Karnataka

L&T Finance Limited
3 2022 - 05.2023
  • Manage a ₹550 Cr portfolio in Farm collections across Karnataka
  • Lead a team of 6 managers and 55 field officers, overseeing daily operations and ensuring targets are met
  • Spearheaded legal actions, including asset verification and repossession processes.


Job changed due to the family issues.

Regional Manager-Risk

Cholamandalam Investments and Finance Company Limited
02.2021 - 03.2022
  • Handled the RCU vertical, Handled entire Telangana state
  • Responsible for the PL,BL,LAP,HL, Vehicle finance RCU activities.


Joined for the different work exposure, But growth was very slow, Hence decided to left the organisation

Cluster Manager

RBL Bank Limited
12.2017 - 02.2021
  • Managed collections for Personal Loans, SME, and other products across Telangana & Andhra Pradesh
  • Achieved substantial performance improvements, notably increasing collection rates from 85% to 98%.



Left the Organization due to Personal loan business was stopped

Area Manager

Tata Motors finance solutions limited
04.2016 - 12.2017
  • Directed collection activities for Two-Wheeler loans and other products in Chennai, achieving significant improvements in recovery.


The Book which we are handled was More than 600 DPD book. Book got reduced , Hence i was left the company.

Area Manager

L&T Finance Limited
12.2015 - 04.2016
  • Directed collection activities for Two-Wheeler loans and other products in Chennai, achieving significant improvements in recovery.


Left the organization due to Layoff

State Head

Tata Business Support Services
11.2009 - 12.2015
  • Led collections for Commercial Vehicles across Telangana and Andhra Pradesh
  • Maintained low manpower attrition and consistently delivered top performance.

Field Executive to Territory Manager

Various Organizations
05.2006 - 11.2009
  • Gained extensive experience in collections, repo management, and customer handling across various regions and financial products.

Education

Master of Commerce -

SV University

Bachelor of Commerce - undefined

OVR Degree College, SV University

Skills

Collection Management: Expert in handling Farm verticals, Small Business Loans, and other financial products with a focus on reducing NPA and improving recovery rates

Team Leadership: Managed teams of over 300 field officers, with direct oversight of up to 20 managers Strong in training, motivating, and retaining talent

Strategic Planning & Execution: Skilled in setting goals, planning strategies, and executing plans to achieve collection targets Proficient in MIS and data management for informed decision-making

Customer Relationship Management: Developed customer retention strategies, ensuring high levels of client satisfaction and efficient dispute resolution

Vendor Management: Led vendor compliance and performance management, ensuring adherence to regulatory standards and mitigating risks effectively

Portfolio Management: Analysed portfolio performance and devised strategies for improving collection processes and reducing delinquency rates

Awardsrecognition

  • Achieved 98.89% in Bkt 1 in the month of Feb'24-Tata capital CV collections
  • Delivered the PAN India best numbers in every organisation.
  • Consistently delivered top performance, including 100% target achievement for 9 consecutive months.
  • Achieved PAN India No. 1 performance in Tata Motor Finance for 11 months.
  • Recognized for increasing collection performance in multiple regions, with notable improvements from 75% to 98%.

Personal Information

  • Date of Birth: 06/09/85
  • Marital Status: Married

Languages

English
Tamil
Telugu
Kannada
Hindi

Timeline

Regional Manager-Risk

Cholamandalam Investments and Finance Company Limited
02.2021 - 03.2022

Cluster Manager

RBL Bank Limited
12.2017 - 02.2021

Area Manager

Tata Motors finance solutions limited
04.2016 - 12.2017

Area Manager

L&T Finance Limited
12.2015 - 04.2016

State Head

Tata Business Support Services
11.2009 - 12.2015

Field Executive to Territory Manager

Various Organizations
05.2006 - 11.2009

Area manager - South

Tata capital limited
5 2023 - Current

Regional Manager - Karnataka

L&T Finance Limited
3 2022 - 05.2023

Master of Commerce -

SV University

Bachelor of Commerce - undefined

OVR Degree College, SV University
Guru Prasad M