JAGADISH A
Bangalore
Summary
Strong leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Uses independent decision-making skills and sound judgment to positively impact company success.
Overview
17
17
years of professional experience
Work History
ZONAL CLLECTIONS MANAGER
PEPPER ADVANTAGE
2023.12 - Current
- Managing Multiple Portfolios of Banks, NBFC & Fintech company’s handling Tele Collections and NPA Recoveries for Secured, unsecured & Auto loans Comprising of Secured and Unsecured Products for South Locations Karnataka, Andra Pradesh & Hyderabad since Dec 23.
Regional Collection Manager
L & T Financial Services
2022.03 - 2023.07
- Handling Homeloan & LAP collections from Early buckets to Write off collections for South location
- Also initiating Legal action for NPA cases for south region.
Regional Collection Head
KREDITBEE
2021.04 - 2022.01
- Overall portfolio management for Salaried and self-employed - delinquent segment from tele and field collections to recovery and settling targets for team.
Regional Collection Manager
IDFC BANK
- Overall portfolio management for retail asset - delinquent segment from tele-collections to recovery and settling targets for team.
State Head
Tata Capital Financial Service Pvt Ltd (TCFSL)
2017.07 - 2020.04
- Overall portfolio management for retail asset - delinquent segment from tele-collections to recovery.
Debt Manager
Arcil Arms
2012.10 - 2017.07
- Managing Retail Assets, SME Recoveries Comprising of Secured and Unsecured Products for Karnataka.
Assistant Manager (Debt Management)
HSBC Bank
2008.02 - 2012.05
- Monitoring collections for Home loans, SME recovery and legal activities for Karnataka.
Recovery Officer-Debt Management
Mahindra Finance
2007.01 - 2008.01
- Monitoring auto loan sales and collection activities for Karnataka.
Education
Bachelor of Arts -
St Josephs College
Bengaluru, IndiaSkills
- Team Leadership
- Past due balance management
- Goal-oriented focus
- Time management mastery
- Account Reconciliation
- Cash Flow Management
- Debt recovery expertise
- Process improvement strategies
- Conducting investigations
- Conflict resolution techniques
- Employee Retention
- Portfolio Management Competence
- Financial Reporting Knowledge
- Customer Service
Curriculum Vitae
A dynamic professional with nearly 16 Years of rich experience in handling Unsecured and Secured Collections, Channel Management, Operations and Team Management across organizations diverse sector. Collection management experience ranging from floor level supervision to executive operations experience with P&L responsibility. Driven by a motto to “succeed against all odds,” I am an industrious, honest, motivated and focused individual with a never-give-up attitude. I am a fast learner and can work under pressure with an aim to achieve my goal. My strength is in finding opportunities for improvement in existing processes. I have also designed and implemented entire collection strategies from scratch with great success., Collections, NPA Management, Analytics, Call Centre Management, Risk Management, Process Management, Legal Knowledge, Collection Strategy, Negotiation Skills, Risk, Channel and Team Management., To work in a challenging environment, apply my skills and experience in achieving success for my employer and me. Thus, to build on my skills and be an asset to the organization., B.A from Bangalore University, St. Josephs College in the year April -2006., PEPPER ADVANTAGE, ZONAL COLLECTIONS MANAGER, A division of Asset Reconstruction company India Ltd, 17 years +, Managing Multiple Portfolios of Banks, NBFC & Fintech company’s handling Tele Collections and NPA Recoveries for Secured, unsecured & Auto loans Comprising of Secured and Unsecured Products for South Locations Karnataka, Andra Pradesh & Hyderabad since Dec 23. Proficiency in effectuating strategies for Retail Risk Management, coordinating strategies with Agency Manager & Agencies for effective implementation. Overall portfolio management for Flows and recoveries of delinquent segment from tele and field collections to recovery and setting targets for team. Streamlining collections & improving existing systems / processes, envisioning new methodologies, future trends. Driving team to achieve the set target individually and supporting inhouse and agencies team plan accordingly to perform well. Ability to support and sustain a positive work environment that fosters team performance with strong communication and relationship management skills. Responsible for achieving and maintaining best performances on all products and maintaining Compliance within the division. Duties including implementing collection strategies tracking Performance holding management and collection team accountable for hitting performance benchmarks., L & T Financial Services, Regional Collection Manager, South, Secured loans, 03/02/22, 07/31/23, Handling Homeloan & LAP collections from Early buckets to Write off collections for South location. Also initiating Legal action for NPA cases for south region. Debt & Risk Management, Strategy Planning, and Team Management with Both Banking & Non-Banking sector. Proficiency in effectuating strategies for Retail Risk Management, coordinating strategies with Central Office, Clusters & Branches for effective implementation. Overall portfolio management for retail asset - delinquent segment from tele-collections to recovery. Streamlining & improving existing systems / processes, envisioning new methodologies, future trends and driving development, direction and accomplishment. Track record of receiving numerous awards and appreciation in recognition of superlative performance rendered across assignments, as well as special assignments as growth opportunities. Ability to support and sustain a positive work environment that fosters team performance with strong communication and relationship management skills., KREDITBEE, Regional Collection Head, South, Unsecured portfolio, 04/01/21, 01/31/22, Proficiency in effectuating strategies for Retail Risk Management, coordinating strategies with Agency Manager & Agencies for effective implementation. Overall portfolio management for Salaried and self-employed - delinquent segment from tele and field collections to recovery and settling targets for team. Streamlining collections & improving existing systems / processes, envisioning new methodologies, future trends. Driving team to achieve the set target individually and supporting inhouse and agencies team plan accordingly to perform well. Ability to support and sustain a positive work environment that fosters team performance with strong communication and relationship management skills., IDFC BANK, Regional Collection Manager, Karnataka, Secured, Unsecured and Commercial Vehicles, Proficiency in effectuating strategies for Retail Risk Management, coordinating strategies with Central Office, Clusters & Branches for effective implementation. Overall portfolio management for retail asset - delinquent segment from tele-collections to recovery and settling targets for team. Streamlining & improving existing systems / processes, envisioning new methodologies, future trends and driving development, direction and accomplishment. Driving team to achieve the set target individually and supporting inhouse team plan accordingly to perform well. Ability to support and sustain a positive work environment that fosters team performance with strong communication and relationship management skills., M/s Tata Capital Financial Service Pvt Ltd (TCFSL), State Head Collection Manager, Karnataka, LAP and CV, 07/01/17, 04/30/20, Debt & Risk Management, Strategy Planning, and Team Management with Both Banking & Non-Banking sector. Proficiency in effectuating strategies for Retail Risk Management, coordinating strategies with Central Office, Clusters & Branches for effective implementation. Overall portfolio management for retail asset - delinquent segment from tele-collections to recovery. Streamlining & improving existing systems / processes, envisioning new methodologies, future trends and driving development, direction and accomplishment. Track record of receiving numerous awards and appreciation in recognition of superlative performance rendered across assignments, as well as special assignments as growth opportunities. Ability to support and sustain a positive work environment that fosters team performance with strong communication and relationship management skills., Arcil Arms, Manager in Debt Management, Karnataka, Retail Assets, SME Recoveries, 10/01/12, 07/31/17, Responsible for the daily operation and performance of a collection team consisting of Collection Managers, Operation Associates, Agency Manager Supervisors, and collection associates. Responsible for achieving and maintaining best performances on all products and maintaining compliance within the division. Overseeing the design and implementation of workflow and mass dialing strategies to maximize performance. Set benchmarks and tracked KPI’s to ensure maximum efficiency. Regional profit and loss responsibility, budgeting, goal setting, performance evaluations, and all other operational duties. Determines the appropriate collection activity on accounts including charge off, legal action, and repossession. Ensures repossessed assets are disposed of properly and in accordance with all relevant state. Making real and positive contributions to the growth and profitability of the businesses through cost-effective delinquent portfolio management, minimization of losses through appropriate and timely feedback to credit policy and processes. Maintaining the highest degree of Customer satisfaction by Risk Management and escalating and addressing the key risks that intimidate an engagement. Coordinating with all levels of management (across department) and influence to build consensus on conflicting issues. Assessing performance against targets location-wise, identifying potential problem areas, and liaising with management to develop solutions. Ensuring that the flow rates, rollbacks, normalization, and recovery targets for each bucket in all locations are met every month. Discussing reviewing of the cases every day, taking steps to safeguard the interest of the Company, and ensuring the issuance of notices against delinquent accounts. Coordinating with legal agencies, getting proper MIS, and submitting reports to the reporting authority and the central team every month. Ensured to focus on filing of Criminal Cases, Cheque Bounce Cases, recovery suits & filling of petitions under Securitization Act (SARFAESI). Handled all chronic default customers and have successfully overachieved targets. Performing investigations on litigation causes, collecting evidence to present in court, and arranging groundwork to fight a case. Ensuring high-level secrecy and privacy of all data for the organization., HSBC Bank, Assistant Manager (Debt Management), Mortgage, SME & Autoloans Collections, 02/01/08, 05/31/12, Monitoring collections for Home loans, SME recovery, and legal activities for Karnataka. Publishing daily MIS and tracking, Identification and segmentation of the portfolio for optimum penetration. Managing DCA’s at different levels and attaining targeted monthly recovery rate, reducing bad debts, provisions / NPA, and thereby reducing the Delinquency of the region. To manage operational risk, including its identification, assessment, mitigation, and control, loss identification and reporting. Maintain and ensure due observance of HSBC Internal Control Standards, including the timely implementation of recommendations made by internal/external auditors and external regulators. Ensure awareness of compliance requirements and implementation of Group Compliance Policy. Maintain awareness of operational risk including its identification, assessment, mitigation, and control, loss identification and reporting. Organizing visits for high-profile, delinquent customers to understand and resolve issues relating to the services and collections. Liaising with other departments like Credit and Risk to discuss the overall performance of the region and general concerns and highlights. Property visits with Sales Team and Risk team for possible irregularity in exposure of Loan Pre and post disbursal. Generating new leads provided to the Sales team as a value addition and coordination with different departments., Mahindra Finance, Recovery Officer - Debt Management (Auto Loans & Commercial Vehicles), Bangalore, Auto Loans & Commercial Vehicles, Monitoring auto loan sales and collection activities for Karnataka and coordinating Internal Audits, in compliance with prescribed guidelines. Handling the publication of daily MIS and tracking attained vis-à-vis planned performance figures. Checking Live Sheet updates and monitoring cash/cheque deposits. Managing Debt Collection agencies at different levels and ensuring the targeted monthly recovery rate is achieved. Coordinating visits for high-profile, delinquent customers to understand and address issues relating to the services and collections. Collaborating with other departments for meeting overall performance figures of the Branch as a whole. Providing value-added services by generating new sales leads., Team orientation/Teamwork, Quality and customer orientation, Initiative and Self direction, Settled many high accounts which were in litigation, Sold multiple properties in auction with maximum bidding, Awarded as best performer and selected to foreign trip Mauritius in 2018, Awarded as best performer and selected to Europe trip in 2019, Successfully taken the SME Legal Service Authority and solved most of the pending cases filed by the organization, Successfully applied the appropriate laws in recovering bad debts to the Bank by identifying the other properties of the customer despite their being no collateral security, Successfully applied the “SARFAESI LAW” to recover by repossession and auction of secured assets of Bank to reduce the loss on books and has saved the Bank from taking the loss in the account, Group Fraud Risk- Social Engineering, Internal Fraud – Group Fraud Risk, Group Anti Money Laundering, HSBC Business Continuity Awareness, Making A difference with One HSBC- Test of Knowledge, Understanding One HSBC Account Opening Capabilities, Making a difference with One HSBC, Operational Risk Awareness, HSBC Information Security Risk and Privacy/Data Protection Awareness
Father's Name
M ANJINAPPA
Languages
English
Hindi
Kannada
Telugu
Tamil
Classification
Internal - Non - Shareable
Personal Information
- Date of Birth: 08/10/84
- Nationality: Indian
- Marital Status: Married
Hobbies and Interests
- Listening to Music
- Playing Cricket
Timeline
ZONAL CLLECTIONS MANAGER
PEPPER ADVANTAGE
2023.12 - Current
Regional Collection Manager
L & T Financial Services
2022.03 - 2023.07
Regional Collection Head
KREDITBEE
2021.04 - 2022.01
State Head
Tata Capital Financial Service Pvt Ltd (TCFSL)
2017.07 - 2020.04
Debt Manager
Arcil Arms
2012.10 - 2017.07
Assistant Manager (Debt Management)
HSBC Bank
2008.02 - 2012.05
Recovery Officer-Debt Management
Mahindra Finance
2007.01 - 2008.01
Regional Collection Manager
IDFC BANK
Bachelor of Arts -
St Josephs College
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