R Tamil Selvan

Developed and reviewed credit and risk management policies aligning with regulatory guidelines.

Monitored portfolio metrics including delinquency trends

bounce rates and product-level risks.

Perform risk assessments on new and existing products.

Facilitated collaboration among Credit

Collections

and Operations teams to ensure policy implementation.

Detected trends for proactive management of risks using data analysis.

Addressed queries during audits and implemented recommendations.

Facilitated training sessions to instruct the team on risk policies and compliance procedures.

Executed strategies to improve data management and policy adherence via automation.

Perform branch risk categorisation by analysing branch-level performance on metrics such as delinquency rates

product risk

and geographic risk factors.

Formulated branch-specific risk mitigation approaches and quality improvements.

Enhance the accuracy of risk categorization models in collaboration with analytics teams

factoring in local economic and operational elements.

Conducted frequent reviews with branches to ensure categorisation criteria alignment.

Generated insights to aid in the creation and improvement of scorecards for optimizing credit decisions.

Provided comprehensive quarterly reviews to the Risk Management Committee

focusing on key portfolio trends.

Consolidate performance data from multiple branches and product lines to create a comprehensive view of risk management progress.

Provide actionable recommendations to the RMC based on insights derived from quarterly performance and risk analysis.

Integrated regulatory updates and market trends into quarterly presentations to maintain industry standards.

Work with senior management to incorporate feedback from RMC meetings into risk management strategies.

• Coach and Develop Collections Team to meet Company Objectives
• Handled collections across all phases of delinquency.
• Worked effectively with executive team and presented monthly reports.
• Increased recoveries on charged-off accounts.
• Managed vendor relationships for repossessed vehicles and foreclosures.
• Trained and motivated employees.
• Generated and distributed accurate management reports.
• Analyzed business information for process improvements.

• Develop an in-depth understanding of our data sources, tables, and data relationships in a short period of time
• Responsible for making MIS Reports on a daily, weekly fortnightly basis, working on daily dashboards, etc
• Coordinating and managing all Database Responsibilities
• To submit the MIS within the timeline given
• Proficient with MS Office Applications like advanced Excel & PowerPoint Presentations
• Should passes the ability to handle a variety of responsibilities under Pressure
• Must be able to function independently & ready to learn to work on new software
• Should passes the ability to learn the basic function of the credit department in order to prepare MIS, do data Analytics and prepare dashboards/presentations

• Responsible for the application process from login to disbursement (Except Underwriting)
• Managing quality of the portfolio, post disbursement documents and partly disbursed cases
• Co-ordinate with legal, technical and Risk teams for processing the file/ docket
• Preparation of MIS, resolving customer issues and legal cases pertaining to sanction and disbursement process
• Responsible for the auditory duties
• Responsible for Credit Underwriting at Hub Level
• Ensure compliance to policy and process
• Risk Management and Portfolio responsibility- managing delinquency within acceptable levels

• All the duties of Branch manager indicated above to achieve the targets set by Head Office
• To supervise and monitor the Branch Managers
• To act as a Branch Manager in case of any BM who has taken leave or fallen sick
• To recommended to higher officials the loan amount to members after verifying at least 40% on a random basis to ensure data has been entered properly by the FDO’s and checked & validated by the BM Properly
• To report to Divisional Manager and above to liaise with visitors such as bank officials, donors and other people who Visit the branches meetings
• To ensure 100% recovery is made by the FDOs and BMs and take appropriate steps for achieving the same

• Allocating jobs and workloads to individual staff members based on their ability
• Implementing new initiatives and making sure all staff understand them
• Giving prompt and accurate information on individual staff member performance
• Making sure all tasks given to staff are done on time and to the required standard
• Ensuring a clean, safe and friendly working environment for all team members
• Ensuring that there is a certain level is slack in the system to cover busy periods
• Managing any staff sickness levels and organizing the necessary cover
• Making sure that Health & Safety rules are strictly followed by all team members
• Establishing team and staff targets as a reflection of the company’s objectives
• Providing accurate information to senior managers on key issues

• Voucher Entries, submitting sales tax return and income tax return