RADHAKRISHNAN A
Result-oriented Professional Targeting Assignments In Collections / Recoveries And Risk Management With An Organization Of High Repute
CHENNAI,TAMILNADU
Summary
Accomplished professional with 20 years of experience in Debt Management, Risk Management, Legal Recovery, Business Development and Client Relationship Management across NBFC and Banking Sector
Enterprising leader with a strong record of contributions that streamlined collection & recovery operations, invigorated businesses and enhanced internal controls.Proven acumen in administering legal activities for all the products portfolios, ensuring compliance with legal statutes and initiating strong legal action in case of continuous payment default.Excels in Debt Management, with in-depth knowledge of recovery and legal tools, resolves problems and takes up new challenges. Skills in improving collection efficiency, reduction of NPAs & minimizing loss for the organization.Proficient in following recovery management through monitoring of collection & recovery process thereby maximizing revenue generation & minimizing irrecoverable debts hard bucket & shortfall cases. Managing NPA accounts and discussing with customers on credit solutions as defined per the Collections and Recovery Process, Policy and Strategy manual to reduce the NPA exposure.Ensuring that documentations related to the debts are up-to-date (Search on Asset, Security Documents, Property Valuation Reports)
Overview
4
4
Languages
20
20
years of professional experience
Work History
Head Risk and Recovery
National Trust Housing Finance Ltd
CHENNAI, TAMILNADU
08.2016 - Current
- Managing Risk & Recovery portfolio of affordable housing loan and Loan Against Property (LAP) with performance of less than 9% overdue and 2% GNPA.
- Rated 5 (Far Exceeds Expectations) consecutively for last 4 financial years.
Regional Head South MSME
Jana small finance bank ltd
CHENNAI, TAMILNADU
07.2014 - 08.2016
- Managed collection and recovery team in achieving set targets in South Zone for Enterprises Financial Services (Business Loans: MSME); with less than 7% PAR (Portfolio at Risk) and less than 1% GNPA.
- Maintained 97% Resolution in Bucket 0 and have reduced PAR accounts % in financial year 2014-2015 and 2015-2016.
Sr.Area Collection Manager
L&T FINANCE LTD
CHENNAI, TAMILNADU
01.2012 - 06.2014
- Managed customer base of 5000 Commercial Vehicle, Construction Equipment, Generators and Auto loans and so on, of Tamilnadu.
- Controlled bucket flows and GNPA of all products and achieved GNPA Target for financial year 2012-2013.
Regional Collection Manager
ICICI Bank ltd
CHENNAI, TAMILNADU
05.2002 - 12.2011
- Managed and steered 13 Debt Managers for all aspects of CV/LCV/SCV, CE, Office equipment, and Medical equipment, Performance management and related activities and team of 22 Agency Managers, 18 Agencies and over 50 Field Executives to achieve cost efficient recovery process for all banking liabilities across 16 branches in Tamilnadu with portfolio size of over INR 11000 Crore.
- Secured prestigious recognition of being the ‘Best Area Manager' for Debt Service & Management Group for 2008-2009.
- Rated in bank's Performance management system as 1 (Far Exceeds Expectations) consecutively and promoted 3 times in 5 financial years.
- Renowned for selected in Talent pool by ICICI Bank HR Dept and attended Leadership mentoring program at Kandala, Pune.
Sales Officer
Tata Finance Ltd
CHENNAI, TAMILNADU
04.2001 - 05.2002
- Managed Counter Staffs in dealer points and derived insights to competitor sales activities and effectively counters efforts; Performed best business and become Preferred Financier in Hero Honda dealer points in 2001-2002.
Education
MBA -
University Of Madras
LLB -
S.V University
Skills
Debt Management
undefinedAdditional Information
- Rated 5 (Far Exceeds Expectations) consecutively for last 4 financial years (NATRUST)
- Maintained 97% Resolution in Bucket 0 and have reduced the PAR (Portfolio at Risk) accounts % in the finance year 2014-2015 and 2015-2016 (Jana Small Finance Bank)
- Controlled the bucket flows and GNPA of all products and achieved the GNPA Target for the year 2012-2013.(L&T Financial services)
- Secured prestigious recognition of being the ‘Best Area Manager' for Debt Service & Management Group for 2008-2009 (ICICI Bank)
- Sustained best NPA, NCL book in PAN India 2004-2011(ICICI Bank)
- Recognized with the Best Area Debt Manager Award for delinquent accounts foreclosure contest in 2009-2010 (ICICI Bank)
- Rated in the bank's Performance management system as 1 (Far Exceeds Expectations) consecutively and promoted 3 times in 5 financial years (ICICI Bank)
- Renowned for selected in Talent pool by ICICI Bank HR Dept and attended Leadership mentoring programme at Kandala, Pune.
Timeline
Head Risk and Recovery
National Trust Housing Finance Ltd
08.2016 - Current
Regional Head South MSME
Jana small finance bank ltd
07.2014 - 08.2016
Sr.Area Collection Manager
L&T FINANCE LTD
01.2012 - 06.2014
Regional Collection Manager
ICICI Bank ltd
05.2002 - 12.2011
Sales Officer
Tata Finance Ltd
04.2001 - 05.2002
MBA -
University Of Madras
LLB -
S.V University
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