Nagarajan S

• Managed a portfolio of various branches, conducting daily reviews of branch collection targets versus actual achievements.
• Implemented streamlined processes for vehicle loans and overdue collections, ensuring efficient execution from initiation to resolution.
• Evaluated comprehensive reports, encompassing expense data, to inform sound business choices, including waiver approvals.
• Led the digital transformation of collection processes, migrating from offline to online methods, which significantly boosted operational efficiency.
• Successfully retrieved assets from non-performing borrowers, skillfully conducted repossessed vehicle auctions, and substantially reduced related financial risks.
• Actively engaged with high-risk accounts, conducting personal visits with persistent non-payers, and initial non-performers to aid in debt recovery and sustain client relationships. Regularly follow company guidelines, rules, and processes.
• Focused on cross-selling strategies, including refinancing and personal loans,
• Transformed underperforming teams into productive, profitable teams.
• Set aggressive targets for employees to drive company success and strengthen motivation.
• Led a team to achieve company goals and exceed targets consistently, fostering a positive work environment.

Worked as a Branch Manager in the Tirupur and Krishnagiri branches, overseeing branch activities

• Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
• Maintained friendly and professional customer interactions.
• Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
• Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
• Monitored market trends to identify new business opportunities and capitalize on potential growth areas within the community or region served.
• Managed phone calls, emails and teams call per day from customers.' and management .
• Complied with established internal controls and policies.

• Promoted to Branch Manager in 2013, assuming full responsibility for daily operations.
• Contributed to business growth by actively participating in development initiatives, concentrating on acquiring and managing accounts within the designated region.
• Responsibilities included identifying potential clients, building strong relationships, and consistently achieving sales targets.
• Mentored new sales associates to contribute to store's positive culture.
• Identified trends and assessed opportunities to improve processes and execution.

• Worked in an agency for Bajaj Auto Finance, handling credit and two-wheelers.
• A vehicle financing company that provides loans for two-wheelers and consumer durables.
• Self-motivated, with a strong sense of personal responsibility.
• Proven ability to learn quickly and adapt to new situations.
• Excellent communication skills, both verbal and written.
• Worked effectively in fast-paced environments.
• Worked flexible hours across night, weekend, and holidays.