Pramod Kolajangam

Home Loan Portfolio (Kalyan Down Region)

• Lead management of the Home Loan Portfolio for Kalyan Down Region, handling high-value secured loan accounts.
• Drive NPA addition and reduction (deletion) through structured and performance-driven strategies.
• Handle complex and high-ticket delinquent accounts with strong ownership and accountability.
• Manage UCIC-Based customer portfolios, ensuring comprehensive tracking across multiple exposures.
• Collaborated effectively with legal teams to manage enforcement processes.
• Monitor portfolio performance, identify risk trends and provide actionable insights to senior management for decision making.

Two-Wheeler & Consumer Durable Portfolio (Mumbai Region) (May 2022 – Apr 2025)

• Oversaw collections for Two-Wheeler and Consumer Durable loan portfolios in Mumbai region.
• Ensured a consistent collection efficiency reaching about 93%.
• Conducted customer interactions, field visits, and case resolution.
• Enhanced recovery outcomes by examining repayment patterns.
• Contributed to overall portfolio health and delinquency control.

Personal Loan & Business Loan Portfolio (Western Region: Andheri – Dahanu Road) (May 2025 – Oct 2025)

• Managed Personal Loan and Business Loan portfolios across the Western Region.
• Collaborated with Sales Teams to align recovery strategies and improve outcomes.
• Handled high-risk accounts and ensured resolution through structured follow-ups.
• Strengthened portfolio performance through focused recovery planning.

Home Loan Portfolio Exposure (Nov 2025 – Mar 2026)

• Transitioned into Home Loan Portfolio management, handling secured loan delinquent accounts.
• Gained exposure to high-value portfolios and structured recovery processes.
• Supported legal coordination and portfolio tracking for secured assets.

Overall Responsibilities.

• Prepared performance reports and provided insights to management.
• Mentored junior team members to enhance team productivity.
• Supported NPA control and overall portfolio performance improvement.

Personal Loan Portfolio (Hyderabad City) Nov 2020 – May 2022

• Managed Personal Loan collections across Hyderabad city, ensuring portfolio performance during challenging conditions.
• Handled collections during the COVID-19 pandemic, adapting to remote recovery processes.
• Conducted video calls and digital follow-ups to ensure continuity of collections.
• Maintained recovery performance despite restricted field operations.
• Built strong customer relationships through effective communication.
• Provided insights on changing repayment trends during pandemic conditions.
• Supported cross-selling of banking products and contributed to revenue growth.

Landmark Insurance Brokers Pvt. Ltd. | Aug 2017 – Apr 2018

• Managed vendor relationships and negotiated pricing and terms to ensure cost efficiency.
• Coordinated with vendors and internal teams for procurement and timely delivery.
• Supported branding, advertising, and marketing initiatives.
• Assisted in organizing company events and engagement activities.
• Contributed to social media marketing and internal branding initiatives.

Pehla Job

• Supported HR team with the creation of comprehensive onboarding materials, improving employee retention rates.
• Posted job openings, screened resumes and scheduled interviews to fill positions with qualified candidates.
• Filed paperwork, sorted, and delivered mail and maintained office organization.
• Created and updated tracking spreadsheets using MS Excel.
• Pre-screened resumes prior to sending to corporate hiring managers for consideration.