Summary
Overview
Work History
Education
Skills
Linguistic Profile
Personal Information
Disclaimer
Timeline
Generic
Rajkumar S

Rajkumar S

Madurai

Summary

It is my inner confidence built due to the knowledge I have perceived through all these years of learning, which will help me to excel in the field I am subjected to. I am capable of adjusting myself to any environment and as well prove myself to be one of the best and strive to be profitable to the company. Provides customers with targeted financial advice, service options, and product recommendations to serve debt management needs. Effective at building and implementing plans for each person or organization. Proficient in factors affecting credit scores and strategies for financial recovery. Goal-oriented Area Debt Manager with forward-thinking and resilient mindset. Accurate, honest and detail-oriented in handling monies. Bringing More than 15 years of experience working to help clients reach financial stability. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level Area Manager position. Ready to help team achieve company goals.

Overview

18
18
years of professional experience

Work History

Area Debt Manager

ICICI BANK LTD
Tiruvannamali
09.2016 - Current
  • Handling agriculture products from Apr' 2020 (KCC, FARMER FINANCE, FARM EQUIPMENT & SHG) in Vilupuram, Tiruvannamalai,Vellore,Coimbatore,Tiruppur,Nilgris region of Tamil Nadu
  • Develop and maintain effective relationships with external customers and vendors
  • Develop and implement strategies to reduce delinquency (MIS reporting's and required updates)
  • Work with the collections department to create and implement training programmes for delinquent account investigations and collection (asset repossessions and prompt liquidations)
  • Ensure positive customer service experience in the process of collection
  • Negotiate and Exit the NPA customers through settlement
  • Asset Traced, Tracked and located shipments inbound or out bound, Initiated Schedules and correspondence with dispatchers, vendors and buyers
  • Vehicle Repossession, Repokit initiation, Valuation, Asset sales include inventory maintenance
  • Effective Execution of Sec138, SARFAESI, DRT, CIVIL SUIT and other legal remedies at hand within timelines in collaborative way
  • Manpower handling upto 25 nos inbound and out bound
  • Handled Credit Card From Apr'2017 to Mar'2020 11 Districts locations with 10 on role reportees and 25 off role reportees.
  • Average portfolio size is 4000 accounts with 10 crore value (Average ticket size is Rs 25000).
  • Ensure to achieve the cycle closing Target of 96% with 50% Normalisation.
  • Ensure all agency and off role employees are following organization polices, COC & process.
  • Maintaining good agency audit score in internal & external audit.
  • Conducting monthly review and refresher training for all on role & off role employees.
  • Maintain and publish MIS reports on daily basis.
  • Visiting high value cases and non-workable cases.
  • Visiting low performance location and support them in terms of process & performance.
  • Ensure effective supervision of vendor activities (Money Handling, Allocation & RBI COC).
  • Doing random calls to customers to reduce complaints from customer.

Branch Manager

India Infoline Finance Limited
01.2014 - 01.2016
  • - Lead a team of **11 direct and 20 indirect reports** to manage various tasks associated with risk and transaction management.
    - Develop and implement policies and procedures to maintain compliance with regulatory financial service standards.
    - Attained a **98% customer satisfaction rate** in branch feedback surveys by delivering on-time and high-quality service.
    - Source appropriate partners for clients as per their business requirements and vision.
    Delivered specialized financial planning to a diverse client base by liaising with local organizations and industry experts.
    - Provided optimal assistance to customers in opening, checking, and closing accounts.
    - Managed a 300mn line of credit in clients' investment account portfolio.
    - Fostered strong relationships with key clients, resulting in a **20% increase in business expansion and revenue growth**.

Deputy Manager

Shriram City Union Finance (P) Ltd
01.2012 - 01.2013
  • Managed accounts payable and receivable.
  • - Issued repossession orders to recovery agents.
  • - Researched repossessed vehicles' market value and set them for sale at auctions.
  • - Conducted title audits.
  • - Prepared weekly and monthly collection and repossession reports.
  • - Communicated daily with dealers and vendors.
  • - Assisted in creating and implementing policies and procedures.
  • - Collaborated with bankruptcy attorneys regarding filings.
  • - Oversaw underwriting processes.
  • - Handled insurance and claims and tracking.
  • - Assisted audits and investor requests.
  • - Proficient in Dealer Management System (DMS).

Asst Manager

Shriram Chits Tamilnadu pvt Ltd
01.2006 - 01.2011

Education

B.Ed -

Raj College Of Education, Madurai-5
01.2012

B.Sc (mathematics) -

M.T.N COLLEGE (Pasumalai)
01.2006

Higher Secondary -

Govt Boys Hss Thirumangalam
01.2003

S.S.L.C -

Govt Boys Hss Thirumangalam
01.2001

Skills

  • MS Excel with AI
  • C, C, Python
  • Debt Management
  • Problem-Solving Abilities
  • Analytical Skills
  • Account Reviewing
  • Teamwork and Collaboration
  • Team Building
  • Debt Consolidation Planning
  • Budget Counseling
  • Time Management Abilities
  • Adaptability and Flexibility
  • Client Counseling

Linguistic Profile

Tamil, English, Telugu

Personal Information

  • Father's Name: R.Sugumaran
  • Date of Birth: 05/19/86
  • Gender: Male
  • Nationality: Indian
  • Marital Status: Married
  • Religion: Hindu

Disclaimer

I hereby declare that all the information’s furnished above are true to the best of my knowledge.

Timeline

Area Debt Manager

ICICI BANK LTD
09.2016 - Current

Branch Manager

India Infoline Finance Limited
01.2014 - 01.2016

Deputy Manager

Shriram City Union Finance (P) Ltd
01.2012 - 01.2013

Asst Manager

Shriram Chits Tamilnadu pvt Ltd
01.2006 - 01.2011

B.Ed -

Raj College Of Education, Madurai-5

B.Sc (mathematics) -

M.T.N COLLEGE (Pasumalai)

Higher Secondary -

Govt Boys Hss Thirumangalam

S.S.L.C -

Govt Boys Hss Thirumangalam

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