RAJESH R
KANNUR
Summary
Dynamic Collection Manager with extensive experience at ICICI Bank Ltd., excelling in debt recovery and customer engagement. Proven negotiation skills and expertise in accounts payable and receivable, enhancing financial reporting accuracy. Adept at leveraging SAP FICO to streamline processes, driving significant improvements in recovery operations and minimizing customer complaints.
Overview
16
16
years of professional experience
Work History
Collection Manager
SMFG India Credit Co Ltd.
02.2025 - Current
- Risk and Recovery
Manager
A Raghavendra Rao Associates
12.2023 - 09.2024
- Auditing, Accounting, Petty Cash, Receipts & Payments, Team management
- Financial Reporting & Analysis, Tax Preparation & Compliance, Accounts payable & Receivable, Budgeting & Forecasting, Bank Reconciliation
Sales Executive
HDB Financial Services Limited
10.2023 - 12.2023
Deputy Manager
JSK Agri Nidhi Ltd.
04.2022 - 03.2023
- Good working knowledge of MS Office with a strong level of proficiency in Excel
- Efficient maintenance of the integrity of general ledger accounts
- Excellent organizational skills with demonstrated ability to effectively prioritize to meet strict deadlines
- Proven ability to quickly learn and use new technologies and tools
Deputy Manager
ICICI Bank Ltd.
09.2016 - 09.2021
- Ensuring top of the line customer service and customer engagements Functional Responsibilities
- To ensure customer service standards are met and minimize customer complaints and escalations
- Deepen customer engagements and ensure revenue is maximized by debt management as well as cross selling
- Ensure smooth operations of the branch at all times
- Ensure branch adheres to the highest standards of compliance
- Ensure branch upkeep in terms of physical and IT infrastructure
- Drive Quality Assurance for all Internal Audit deliverables
- Ensuring effective and efficient processes standardized across all teams within Internal Audit
- Improvements in recover bad debts loan recover efforts by identifying, analysing, and recommending loss litigation opportunities
- Avoided foreclosures and lost revenue by initiating foreclosure process and following through with stipulation and forbearance agreements
- Daily monitor of Collection Agency
- Follow up daily and team for achieve their target
- Special monitor on all buckets with collection agency on daily basis
- Follow up with sales team also for Non-Started cases
- Resolving all issues of customers
- Ensured all the cases monitoring the feedback from the agency
- Collected amount should be deposited timely in customer loan account
- Raising settlements, SARFAESI, Send demand legal notice, Loan recall notice and 138 Notice
- Negotiate with past due accounts for debt recovery
Business Manager
Sree Guruvayurappan Chit Fund Pvt Ltd.
05.2015 - 06.2016
- Selling financial product like FD, Business loan verification, loan processing activities
- Verifying day book and cash book
- Work with other managers to create long-term company strategy
- Administration of accounts receivable and accounts payable
- Efficient maintenance of the integrity of general ledger accounts
- Preparation of accurate financial accounts and reports to comply with accounting principles and practices
- Excellent organizational skills and effectively prioritize to meet strict deadlines
- Proven ability to quickly learn and use new technologies and tools
Debt Recovery Agent
Sun Finance Agency
06.2013 - 05.2015
- Keep track of assigned accounts to identify outstanding debts
- Plan course of action to recover outstanding payments
- Locate and contact debtors to inquire of their payment status
- Negotiate payoff deadlines or payment plans
- Handle questions or complaints
- Investigate and resolve discrepancies
- Create trust relationships with debtors, when possible, to avoid future issues
- Update account status and database regularly
- Alert superiors of debtors unwilling or unable to pay when necessary
- Comply with requirements when legal action is unavoidable
Tele Collection Executive
Serco BPO Private Limited
07.2009 - 01.2013
- Experience in exclusively in Banking process /Debt /Recovery & Mgmt./Retail portfolio management
- Have 4 years of experience in managing the credit cards process served as a tele-calling, Team leader, both Units in-house and outsourcing Agency
- RBI's DRA Certified (Indian institute of Banking & Finance)
- Exploring the possibilities of determining viability of business operations and quick settlement through negotiations or restructuring of due
- Providing first line customer support by answering queries & resolving their issues, ensuring minimum TAT
- Reviewing delinquent accounts & portfolio to control recovery operations for delinquent customer
- Manage escalations and Open additional channels of recovery, managing Outsourced Vendors
- Skip trace, etc
- Closely monitor and follow-up overdue accounts for timely resolutions
Education
MBA - FINANCE
Madras University
01.2013
B.COM -
St. Thomas College
01.2009
Higher Secondary -
Kerala Vidyalayam HSS
01.2006
SSLC -
Kerala Vidyalayam HSS
01.2004
Skills
- Negotiation & Communications
- Accounts Payable & Receivable
- Budgeting & Forecasting
- Bank Reconciliation
- Tally PRIME
- SAP FICO
Languages
- Malayalam
- English
- Tamil
Personal Information
- Father's Name: AV Rajan
- Mother's Name: Girija (Late)
- Date of Birth: 05/21/87
- Gender: Male
Timeline
Collection Manager
SMFG India Credit Co Ltd.
02.2025 - Current
Manager
A Raghavendra Rao Associates
12.2023 - 09.2024
Sales Executive
HDB Financial Services Limited
10.2023 - 12.2023
Deputy Manager
JSK Agri Nidhi Ltd.
04.2022 - 03.2023
Deputy Manager
ICICI Bank Ltd.
09.2016 - 09.2021
Business Manager
Sree Guruvayurappan Chit Fund Pvt Ltd.
05.2015 - 06.2016
Debt Recovery Agent
Sun Finance Agency
06.2013 - 05.2015
Tele Collection Executive
Serco BPO Private Limited
07.2009 - 01.2013
MBA - FINANCE
Madras University
B.COM -
St. Thomas College
Higher Secondary -
Kerala Vidyalayam HSS
SSLC -
Kerala Vidyalayam HSS
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