Summary
Overview
Work History
Education
Skills
Disclaimer
Languages
Personal Information
Accomplishments
Languages
References
Timeline
Generic
RAMAKRISHNAN V

RAMAKRISHNAN V

Kumbakonam

Summary

Dynamic Area Manager with over 16 years at Equitas Small Finance Bank, excelling in credit policy management and sales leadership. Proven track record in enhancing financial portfolios and driving collections, while fostering strong customer relationships. Adept at risk assessment and loan underwriting, consistently achieving targets in challenging environments.

Overview

20
20
years of professional experience

Work History

Area Manager

Equitas Small Finance Bank Limited
Kumbakonam
10.2009 - Current
  • Manage 8 branches (High Portfolio) and selling multiple loan products with team of sales, credit, Legal and Risk
  • More than 16 years working experience in Non Banking financial corporation and Banking with team of sales and various departments like SME (Secured / Unsecured), LAP, Business loan (Assessed / Declared), Housing loan, Micro finance, Commercial Vehicle finance.
  • Knowledge in Legal & Credit policy of All products.
  • Extensive knowledge in finance and credit sales management.
  • Ability to handle multiple tasks and work independently.
  • Enjoys being part of highly challenging work environments.
  • X Bucket to NPA Collection Handling & Covid Situation Micro finance Collection & Retail Sales, collection handling.
  • Underwriting the high volume files recommended by credit team.
  • Higher level deviations has to be recommended to senior management after identifying merits and risk mitigates.
  • Quality of portfolio of branch is one of the primary responsibility and hence this position is responsible for bounce follow-up through Retail business team.
  • Handled 2 Cluster heads, & 1 ARM & 8 Branch heads, and 22 Asst, Branch managers with their team as well.

Executive - Receivables (SL)

Chola Business Services Ltd.
Kumbakonam
12.2007 - 10.2009
  • Managed customer relations for vehicle finance, covering small to large vehicles.
  • Oversaw collections processes to achieve financial targets consistently.
  • Handled financing operations for individual, commercial, and agricultural vehicles.

Customer Manager (VF)

Mahindra & Mahindra Financial Services Ltd.
Kumbakonam
09.2005 - 11.2007
  • Managed customer relations for vehicle finance across small to large vehicles.
  • Oversaw sales and collections processes to ensure financial targets were met.
  • Handled financing operations for individual, commercial, and agricultural vehicles.

Education

MBA -

ALLAGAPPA UNIVERSITY
KARAIKUDI
01.2006

B.Sc. -

A.V.V.M Veeriya Vandaiyar Memorial Sri Pushpam College
Poondi
01.2005

HSC -

Little Flower Hr Sc School
Kumbakonam
01.2001

Skills

  • Credit policy management
  • Financial portfolio analysis
  • Risk assessment
  • Loan underwriting
  • Sales leadership
  • Customer relationship management

Disclaimer

I hereby declare the details furnished above are true to the best of my knowledge.

Languages

  • English
  • Tamil

Personal Information

  • Total Experience: 16 years
  • Father's Name: N.Venkittu
  • Date of Birth: 06/17/84
  • Nationality: Indian
  • Marital Status: Married

Accomplishments

  • Achieved Multiple Awards for country level and zonal level top performance
  • Awarded for the highest NPA collection
  • Awarded Best cluster Manager for the Year

Languages

Tamil
First Language
English
Proficient (C2)
C2

References

References available upon request.

Timeline

Area Manager

Equitas Small Finance Bank Limited
10.2009 - Current

Executive - Receivables (SL)

Chola Business Services Ltd.
12.2007 - 10.2009

Customer Manager (VF)

Mahindra & Mahindra Financial Services Ltd.
09.2005 - 11.2007

MBA -

ALLAGAPPA UNIVERSITY

B.Sc. -

A.V.V.M Veeriya Vandaiyar Memorial Sri Pushpam College

HSC -

Little Flower Hr Sc School

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RAMAKRISHNAN V