R Tamil Selvan
Chennai
Summary
I am a results-driven professional with substantial experience in credit and risk management. As a Policy Manager at Indostar Capital Finance Limited, I successfully developed and reviewed policies while enhancing collaboration across teams. My background in collections, MIS, and team leadership has equipped me with the skills to make strategic decisions based on data analysis and portfolio management, contributing effectively to organizational goals
Overview
29
29
years of professional experience
Work History
Policy Manager – Risk Function
INDOSTAR CAPITAL FINANCE LIMITED
02.2023 - Current
- 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
Collection Manager & MIS
DECCAN FINANCE
04.2022 - 02.2023
- Coach and Develop Collections Team to meet Company Objectives
- In-depth collections for all phases of delinquency from 1 day late to charge off, including recovery collections
- Work Effectively with the Executive Team and attend a Board meeting to discuss monthly reports, lending updates, and collection performance
- Collections of charged-off accounts on a monthly basis to increase recoveries and to reduce net charges offs
- Work daily with various vendors to ensure liquidation of repossessed vehicles and foreclosures and to ensure legal request
- Motivates, trains, and develops all employees
- Reconcile transactions and balances to maintain accurate accounts
- Present to management and their department on a weekly and monthly basis to highlight trends or achievements
- Generate and distribute management reports in an accurate and timely manner
- Ability to process large volumes of data into meaningful summaries and presentations
- Prepare a Review format to Analyze the Collection trends for the entire zone Collection Team
- Preparing Daily MIS reports for Analysis Daily Collection
- Generate Territory wise customer-wise Sale reports and compare them with the previous date on daily basis
- Advanced level of MS Office applications especially Excel & Access
- Well-versed in all excel related applications
- Analyze business information to identify process improvements for increasing business efficiency and effectiveness
- Able to coordinate multiple tasks and meet deadlines under pressure
- Compilation and Flow Of Data in the Prescribed Time Limit
- Preparing Presentations of analyzed reports for Business Development meetings
Senior Manager – Credit MIS
TVS CREDIT SERVICES LIMITED
09.2015 - 03.2021
- 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
OFFICER- CREDIT OPERATIONS
TVS CREDIT SERVICES LIMITED
07.2011 - 08.2015
- 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
AREA MANAGER
Asirvad Microfinance Ltd.
09.2010 - 07.2011
- 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
TEAM LEADER
Professional Management Consultant
07.2003 - 09.2010
- 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
COMPUTER OPERATOR
Kmk Polymers
04.1997 - 05.2000
- Voucher Entries, submitting sales tax return and income tax return
Education
Bachelor of Science - Computer Science
BISHOP HEBER COLLEGE
Tiruchi, India 04.2001 -
Skills
Knowledge of the internet
Timeline
Policy Manager – Risk Function
INDOSTAR CAPITAL FINANCE LIMITED
02.2023 - Current
Collection Manager & MIS
DECCAN FINANCE
04.2022 - 02.2023
Senior Manager – Credit MIS
TVS CREDIT SERVICES LIMITED
09.2015 - 03.2021
OFFICER- CREDIT OPERATIONS
TVS CREDIT SERVICES LIMITED
07.2011 - 08.2015
AREA MANAGER
Asirvad Microfinance Ltd.
09.2010 - 07.2011
TEAM LEADER
Professional Management Consultant
07.2003 - 09.2010
Bachelor of Science - Computer Science
BISHOP HEBER COLLEGE
04.2001 -
COMPUTER OPERATOR
Kmk Polymers
04.1997 - 05.2000
Similar Profiles
R Tamil SelvanR Tamil Selvan
Policy Manager – Risk Function at INDOSTAR CAPITAL FINANCE LIMITEDPolicy Manager – Risk Function at INDOSTAR CAPITAL FINANCE LIMITED
VIJAYENDRA THAKURVIJAYENDRA THAKUR
Regional Operations Manager at IFFCO KISAN FINANCE LIMITEDRegional Operations Manager at IFFCO KISAN FINANCE LIMITED
Nowshad M PNowshad M P
Channel Sales Manager at Utkarsh Small Finance BankChannel Sales Manager at Utkarsh Small Finance Bank
Sanjay KSanjay K
Model-Based Developer (Software Engineer) at Bosch Global Software TechnologiesModel-Based Developer (Software Engineer) at Bosch Global Software Technologies
Sohini RoySohini Roy
Trainee Executive Quality Control at OrBION Pharmaceuticals Private LimitedTrainee Executive Quality Control at OrBION Pharmaceuticals Private Limited