KANDAN G

Team - Retail Portfolio Management (Credit Cards)

Designation- Senior Manager,

Job Band - E4

Role Type - Supervisory,

Number of direct reportees: 8.

• Handling credit card recovery portfolio DPD 180 to 390 days accounts (allocation value - 40 crores, and MTD target RoR 2.5%, which is 1 crore, and YTD targets 12 crores).

Job Responsibilities

• Manage and deliver portfolio indicators including Recovery Rate & Recovery value for the region as per the Targets given.
• Incremental recovery/Collection Efficiency must be tracked, monitored, and improved consistently over the Baseline targets published on an ongoing basis.
• To monitor and coach the Laggard callers and FEs and ensure improvement
• Monitor and review regional recovery team to achieve set targets
• Review teams on various parameters and ensure the unit's objective is uncompromised.
• To increase the Number of Collection vendors by empanelling quality vendors
• To track and monitor Settlement raised cases and sett conversions, and pre NDC cases
• Open ARTS & Hygiene are to be escalated within 30 days to the next level
• Relationship management with the vendor.
• To ensure Incremental FEs are onboarded as per the requirement.
• To identify the need for empanelment/ termination of a vendor and have an objective approach on vendor management

ACHIEVEMENTS

YTD numbers increased year to year in V1 vertical.

Pan India in V1 slab is doing less than 2% RoR, but I am doing greater than 2.5% year to year.

Pipelined 20+ good vendors for the V1 vertical.

• Handled SME and HNI recovery portfolio TD and PD accounts (Allocation value - 50 laks and MTD target MC 15% which is 7.5laks and 90laks forYTD targets)
• Managed accounts receivable, collections and credit activities for a large customer base.
• Developed procedures to ensure timely collection of payments from customers.
• Analyzed customer payment trends and developed strategies to reduce overdue accounts.
• Created reports for management on past due accounts and delinquency rates.
• Relationship management with the vendor.
• To ensure Incremental FEs are onboarded as per the requirement
• To identify the need for empanelment/ termination of a vendor and have an objective approach on vendor management
• To build a healthy working relationship with the vendor and use the same to attain the Unit’s/ buckets overall objective