R. RADHA RUKMANI BALAN
Branch Receivable Manager
Ponneri
Summary
Dynamic and results-driven Collections Professional with diversified experience across NBFC, Banking, Retail Management, and Corporate sectors. Began career as a Recovery Executive at Shriram Transport Finance Company, gaining strong field recovery and delinquency management expertise. Progressed to a Manager role at TRK Filling Station, developing team leadership, operations management, and financial control skills.
Further strengthened collections and NPA resolution experience at Equitas Small Finance Bank, handling high-value OD and NPA bucket portfolios and successfully resolving complex recovery cases. Currently working with BlackBuck Limited, managing collections in a fast-paced corporate environment with focus on portfolio performance, delinquency reduction, and strategic follow-ups.
Possess strong expertise in recovery strategy planning, bucket-wise portfolio monitoring, negotiation and settlement handling, team coordination, and collection efficiency improvement. Seeking to leverage multi-sector experience and leadership capabilities in a Collection Head role to drive performance excellence and portfolio growth.
Overview
7
7
years of professional experience
2
2
Language
Work History
Branch Receivable Manager
BlackBuck
11.2025 - Current
Experienced State Collection Head with proven expertise in managing end-to-end collection operations across 11 branches in Tamil Nadu. Skilled in reducing NPA levels and normalizing OD bucket cases through strategic recovery planning, strong field execution, and team leadership. Demonstrated ability to drive monthly targets, improve portfolio quality, and ensure consistent rollback performance. Strong in handling high POS accounts, pre-EMI follow-ups, and branch-level collection monitoring, to achieve organizational goals.
EB—1 Officer Grade 2
Equitas Small Finance Bank
01.2023 - 11.2025
- Worked as EB—1 Officer Grade 2, Equitas Small Finance Bank.
I have been working as a BRO at Equitas Small Finance Bank for the past three years. I have handled many challenging cases, including a high number of NPA cases, and OD bucket cases, and have successfully resolved them.
Manager
TRK filling station (BPCL)
01.2021 - 11.2022
- Worked as a Manager in TRK filling station (BPCL) From Jan. 2021 to Nov. 2022.
Relationship Executive
SHRIRAM TRANSPORT FINANCE COMPANY LIMITED
08.2019 - 12.2020
- Worked as a Relationship Executive (Sales and Collection) in SHRIRAM TRANSPORT FINANCE COMPANY LIMITED from Aug. 2019 to Dec. 2020.
Education
M.Sc. - CS
Loganatha Narayana Swamy Government College
Ponneri01.2021
B.Sc. - CS
Loganatha Narayana Swamy Government College
Ponneri01.2018
HSC - undefined
Government Higher Secondary School
Sunnambukulam01.2015
SSLC - undefined
Government Higher Secondary School
Kavarapettai01.2013
Skills
🔸Collection & Recovery ManagementEnd-to-end collections management (Current, OD & NPA buckets)
High-value NPA resolution & recovery strategy planningBucket-wise portfolio monitoring & ageing controlSettlement negotiation & restructuring handlingLegal follow-up coordination (SARFAESI / arbitration awareness)
🔸 Team Leadership & MonitoringField team supervision & performance trackingDaily review meetings & target planningPTP (Promise to Pay) tracking & conversion monitoringAllocation & workload distributionMotivation & discipline management
🔸 Risk & Portfolio ControlEarly delinquency identificationSkip tracing & difficult case handlingRisk mitigation & preventive collection strategyReduction of roll-forward percentageMaintaining collection efficiency ratio
🔸 Communication & NegotiationStrong negotiation & conflict resolution skillsCustomer relationship managementHandling escalations professionallyCross-functional coordination (Sales / Credit / Legal)
🔸 Reporting & SystemsMIS preparation & performance reportingCollection dashboard monitoringField visit planning & executionApp-based recovery tracking
Interests
Hobbies: Spending time with pet animals, Listening Music, Playing Cricket
Timeline
Branch Receivable Manager
BlackBuck
11.2025 - Current
EB—1 Officer Grade 2
Equitas Small Finance Bank
01.2023 - 11.2025
Manager
TRK filling station (BPCL)
01.2021 - 11.2022
Relationship Executive
SHRIRAM TRANSPORT FINANCE COMPANY LIMITED
08.2019 - 12.2020
B.Sc. - CS
Loganatha Narayana Swamy Government College
HSC - undefined
Government Higher Secondary School
SSLC - undefined
Government Higher Secondary School
M.Sc. - CS
Loganatha Narayana Swamy Government College
DECLARATION
I hereby declare that all the above information is true to the best of my Knowledge and belief. Place: Ponneri Date: yours faithfully (RADHA RUKMANI BALAN. R) B.C.A.,M.Sc. (CS)
Cover Letter
- Mr. R. RADHA RUKMANI BALAN
- B.C.A.,M.Sc. (CS)
- No.4/20, Solai street, Poongulam village, Podiyarangulam Post, Ponneri Taluk, Thiruvallur District - 601 201.
- Cell: +91 98658 59665
- Balakutty812@gmail.com
- Dear Sir
- I wish to apply for the post of Area Collection Head or Area Receivable Manager in your esteemed concern. I assure you that I shall discharge my duties with at most sincerity and dedication, given an opportunity to serve in your esteemed institution.
- I have enclosed my resume for your kind perusal awaiting favorable reply.
- Thanking You
- Yours faithfully
- (R. RADHA RUKMANI BALAN)
Spending quality time with pets, reading finance-related articles, and travelling
pet care and animal companionship, reading business articles, and outdoor activities