Manjunath R
Chennai
Summary
Results-driven professional seeking opportunities in dynamic work environments to leverage skills and knowledge for organizational growth. Demonstrates a strong commitment to achieving high performance and fostering a culture of collaboration. Core competencies include problem-solving, adaptability, and effective communication.
Overview
8
8
years of professional experience
Work History
Credit and Operation Manager-Home Loan/Two-Wheeler
Orange Retail Finance India Pvt LTD
Chennai
10.2022 - 12.2024
- Managing a team of 5 Area Credit Operation Managers and 54 Credit Operation Officers across 4 states: Tamil Nadu, Karnataka, Andhra Pradesh, and Telangana.
- Maintained a Portfolio 120 Cr across sates
- Developed and implemented credit policies, procedures, and processes to ensure customer accounts were managed efficiently for Home Loan and Two-Wheeler
- Ensure prompt changes in regulations and policies as per RBI guidelines
- Monitored customer accounts for payment delinquency, and initiated collections when needed for Home Loan and Two-Wheeler
- Analyzed financial statements to assess customer risk profiles and set appropriate credit limits.
- Prepared weekly reports on delinquent accounts to keep management informed of collection activities.
- Conducted monthly meetings with sales team to implement new strategies for reducing Risk
- Performed periodic reviews of accounts to identify any changes in the customer's creditworthiness.
- Implemented new software systems designed specifically for managing the portfolio efficiently.
- Responsible for managing the bureau update process, ensuring that all credit-related information is accurately reported and maintained with credit bureaus.
- Vendor management for CPV, valuation, and CKYC for ensuring efficient operations, compliance, Risk mitigation and AML
- Preparing portfolio cuts on a monthly basis and sharing them with management for reviewing the risk in Home Loan and Two- Wheeler
- Conduct training and assessments for the existing team for effective outcomes.
Territory Collection Manager
Fullerton India Credit Company Limited
Bangalore
07.2022 - 10.2022
- Handled a total of 6 branches (Kengeri, Kanakpura, Doddballapur, Chikkballapur, Chintamani, Bangarpet).
- Handled a portfolio of 22 crore in buckets and NPA (Home Loan, Two-wheeler, Personal loan).
Senior Branch Head (Manager)
Jana Small Finance Bank
05.2019 - 07.2022
- Handled a team of 30 members (both sales and collections).
- Handled Assets & Liabilities
- Driving the team for a 100% sales and collection target.
- Handled a portfolio of 48 crores.
Area Head (Assistant Manager)
Jana Small Finance Bank
07.2016 - 04.2019
- Handled a team of 8 members which includes both sales and collection
- Motivating team for outstanding results
- Regular follow-ups to avoid any delinquency in payments
- Meet customers on a regular basis to understand their requirement and solve their queries
- Regular visits to PAR customers and explain them about the consequences of delay payment
Education
MBA - Finance and Marketing
Vellore Institute of Technology
06-2016
BBA -
SRM UNIVERSITY
06-2014
XII -
Kendriya Vidyalaya INS Rajali
05-2011
X -
Kendriya Vidyalaya INS Rajali
05-2009
Skills
- Underwriting expertise
- Credit evaluations
- Portfolio management
- Risk assessments
- Training
- Excel
- Credit risk assessment
Languages
- English
- Hindi
- Tamil
- Telugu
- Kannada
Certification
- Certified with HDCA (Honors Diploma in Computer Application)
- Stanford Technology Entrepreneurship Certificate
- Prezi Effective Presentation certificate
- Banking Certification from CAIIB
Projects
Builders Relationship, MBA Project work carried out at Sundaram BNP Paribas titled Builders Relationship in which I had researched various builders through survey instruments to identify the Relationship between Non-Banking financial company and the builders. I had shared the results with the organization to improve relationship with their builders.
Areas Of Interest
- Marketing
- Finance
Personal Information
- Father's Name: Mr.A.Rajendran
- Mother's Name: Mrs.R.Jamuna
- Date of Birth: 04/04/1994
- Nationality: Indian
- Marital Status: Married
Disclaimer
I hereby declare that all the information furnished above is true to the best of my knowledge and belief.
Timeline
Credit and Operation Manager-Home Loan/Two-Wheeler
Orange Retail Finance India Pvt LTD
10.2022 - 12.2024
Territory Collection Manager
Fullerton India Credit Company Limited
07.2022 - 10.2022
Senior Branch Head (Manager)
Jana Small Finance Bank
05.2019 - 07.2022
Area Head (Assistant Manager)
Jana Small Finance Bank
07.2016 - 04.2019
MBA - Finance and Marketing
Vellore Institute of Technology
BBA -
SRM UNIVERSITY
XII -
Kendriya Vidyalaya INS Rajali
X -
Kendriya Vidyalaya INS Rajali
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