M RAMESH KUMAR

To Excel in career as a collection professional by utilizing the management skills adopted from my previous work experience

MBA (Marketing) professional with 23 years of experience in collections. Presently designated as Area Collection Manager IDFC FIRST BANK Limited. Endowed with a passion for winning as evinced through demonstrated excellence in the academic & extracurricular areas. Acquired practical knowledge through various trainings and academic projects. Team player with strong analytical and built leadership skills in team.

Professional and prepared collections manager with strong focus on team collaboration and achieving results. Proven track record in managing collections processes and enhancing recovery rates. Skilled in strategic planning, conflict resolution, and regulatory compliance. Reliable and adaptable, ensuring smooth operations despite changing needs.

• Every Month Continuously Achieved Star Award from Mar 16 Onwards.
• Received annual awards for best performance as a collections manager in IDFC FIRST BANK.
• Handled multiple portfolios at erstwhile capital first (CD, TWO WHEELER, LAP) during the early stages of inception of Vijayawada branch.
• Continuously rated 5 for overall performance for the years 2019-2020, 2020-2021 financial years.
• Part of Australia Tour contest for best performance.

• 01/01/20, Present, IDFC FIRST BANK LIMITED, Regional Collections Manager, Handling Consumer Durable products and Playing major key role AP and TS with huge team., Managing delinquent portfolio and control flows to OD and achieving high benchmarks., Co-ordination with sales team for achieving FST resolution at 96% and also monitoring delinquency at store level., Collection planning and data allocation to Agencies & Ground level executives., Delivering Targets month on month through agencies and FE with proper milestone plan., Proper training and manpower planning in Agencies to increase productivity as per company norms., Resolving high delinquency customer through personal visits with Field Executives., Adhere to the audit and compliance norms., Circulating Daily MIS with set rated targets and positions of efficiency and timely reporting., Tracing of skip cases & control bad debts / Reduces losses in NPA., Maintained successfully banks NPA portfolio as an additional responsibility in the company., Responsible for skip tracing customers, doing settlements, negotiating on payment arrangements, depositing & updating in system., Monitoring legal actions such as LRN notices and explanatory letters to default customers., To document and maintain accurate and pertinent information on customer accounts., Resolving conflicts, investigation of disputed amounts or discrepancies calculation., To work on delinquent accounts, billing queries, service requests, and disputes., Performance evaluation of managers and ACM as per their KRA.
• 01/01/18, 12/31/20, IDFC FIRST BANK LIMITED, Area Collections Manager, Handling Consumer Durable products and Playing major key role AP 2 TCM,10 managers, 17 Agencies, and 180+ Executives., Managing delinquent portfolio and control flows to OD and achieving high benchmarks., Co-ordination with sales team for achieving FST resolution at 96% and also monitoring delinquency at store level., Collection planning and data allocation to Agencies & Ground level executives., Delivering Targets month on month through agencies and FE with proper milestone plan., Proper training and manpower planning in Agencies to increase productivity as per company norms., Resolving high delinquency customer through personal visits with Field Executives., Adhere to the audit and compliance norms., Circulating Daily MIS with set rated targets and positions of efficiency and timely reporting., Tracing of skip cases & control bad debts / Reduces losses in NPA.
• 09/01/14, 01/31/18, CAPITAL FIRST LIMITED, Area Collection Manager, Handling Mortgage, BIL, Home Loans and CL portfolio entire Vijayawada, Guntur, Rajahmundry & Kakinda Locations., Appointing new agencies for required areas., Creating new agency executive IDs and train them to achieve their targets., Taking day wise commitments and follow up for achieving the targets., Agency and In House recruitment and train them to achieve our Targets., We Have close Bkt x Mortgage, BIL and Home Loan Portfolio 100% resolution, Two wheeler Consumer loan & Cross sell product BKT X resolutions 94.5%., Initiating for Bkt 3 onwards cases for legal action and Orbitaraion, Sarfaesi acts., Setting weekly targets for Agencies and Managers., Taking reviews from agencies Fos., Close monitoring NON STARTER cases., Skip tracing & Personal reviews for SKIP, SHIFTED and ANF cases from Agency Managers., Hands on experience in yard management, Repo process and settlements., Handling seizing agencies across multiple locations for two wheeler NPA accounts., Handling legal aspect like pre and post sale notices.
• 05/01/11, 09/30/14, Bajaj Finserv Ltd, Area Collections Manager, Hyderabad, Maintain Bucket Zero STS portfolio entire Hyderabad and Warangal Locations., Receipt book Tracking., Agency recruitment and train them to achieve our Targets., Preparing cost tracker within the timeline., Setting weekly targets for Agencies and Managers., Total team handling 6 managers and one backend., Taking reviews from agencies., Close monitoring NON STARTER cases., Skip tracing., Personal reviews for SKIP, SHIFTED and ANF cases from Managers., Cases initiate to Legal., Concentrating PL resolution at 93% and CD resolution 96%., Penal Collection improving 7.5%., Handling manpower of 11 agencies and 5 in house employees.

• Father's Name: M VEERABHADRA RAO
• Date of Birth: 03/08/77