Ramesh A
Chennai
Summary
Dynamic and results-driven professional with extensive experience in collections, having excelled as Divisional Collection Head at Kinara Capital Pvt Ltd. Proven track record in portfolio management and team leadership, achieving a remarkable 98.50% resolution rate. Skilled in negotiation and legal actions, consistently recognized for outstanding performance and zero NPA management.
Overview
23
23
years of professional experience
Work History
Divisional Collection Head
Kinara Capital Pvt Ltd
Chennai
06.2025 - Current
- I am currently working at Kinara Capital Pvt Ltd in Chennai, where I hold the position of Divisional Collection Head.
- In 2022, I was promoted to Regional Collection Head for the Tambaram Region, where I managed eight branches and handled a portfolio of ₹142 crore and 1,700 accounts, focused on Extensive Knowledge in the collection and recovery of Home loans/LAP/Rural Housing/Affordable Housing loans/ Business Loan/Personal Loan and as well as securitization and the SARFAESI act under the NI I act.
- Managing Agency as well and Monitoring Collection Staffs and push to beats daily collection goals.
- Ascertain that NPAs are kept to the bare minimum trigger levels.
- Assessed the effectiveness of identifying and recommending appropriate legal remedies for stressed contracts.
- Skilled in initiating various legal actions against customers to ensure prompt account resolution.
- Extensive Coordination with Credit and Operations to resolve technical issues and ensure proper training and guidelines and also identify and recover funds from fraudulent customers.
- Current CTC In Kinara capital 8.5L PA
- Received the Certificate and Award from Regional Manager for Zero NPA book of the year of 2024.
- Received the Golden Star Award from Business Head for achieving a top performer in Pan India level for Normalize and Rolled back the POT cases for the year of 2023.
- Received a Gold Coin from Vice president for achieve Regular Collection in 98.50% resolution across all the buckets and collect more Penal from my location In 2025.
Regional Collection Head
Chennai
01.2022 - 05.2025
- In 2022, I was promoted to Regional Collection Head for the Tambaram Region, where I managed eight branches and handled a portfolio of ₹142 crore and 1,700 accounts.
Cluster Collection Manager
Chennai
01.2019 - 12.2022
- From 2019 to 2022, I served as the Cluster Collection Manager, overseeing three branches in the Tambaram region.
Team Leader
TVS Credit
01.2009 - 12.2019
Collection Executive
India Bulls
Chennai
01.2008 - 12.2009
Collection Executive
Recovery Agency
01.2003 - 12.2006
Education
B.A. -
A.M jain college
Palavanthangal, Chennai01.2000
XII -
Chromepet boys hr sec school
Chromepet, TN01.1997
X -
Shri aiyyasamy aiyar high school
Chromepet, TN01.1995
Skills
- Team Handling
- Logical thinking Skills
- Negotiation skills
- Work Ethic
- Convincing the Customers
- Portfolio management
Languages
- Tamil
- English
Awards
- Certificate and Award, Regional Manager, Zero NPA Book of the Year 2024
- Golden Star Award, Business Head, Top Performer in Pan India for Normalizing and Rolling Back POT Cases 2023
- Gold Coin, Vice President, Achieved Regular Collection in 98.50% resolution across all buckets in 2025
Disclaimer
I hereby declare that all information furnished above is true and correct to the best of my knowledge and belief.
Current Position
Divisional Collection Head, Kinara Capital Pvt Ltd, 8.5L PA, Ensure NPAs are kept to the bare minimum trigger levels., Assess effectiveness of identifying and recommending legal remedies for stressed contracts., Initiate legal actions against customers for prompt account resolution., Coordinate with Credit and Operations to resolve technical issues and ensure proper training., Identify and recover funds from fraudulent customers.
Personal Information
- Father's Name: Alagarsamy G
- Mother's Name: Saroja A
- Date of Birth: 11/22/79
- Gender: Male
- Nationality: Indian
- Marital Status: Married
- Religion: Hindu
Languages
English
Proficient
C2
Tamil
Upper Intermediate
B2
Timeline
Divisional Collection Head
Kinara Capital Pvt Ltd
06.2025 - Current
Regional Collection Head
01.2022 - 05.2025
Cluster Collection Manager
01.2019 - 12.2022
Team Leader
TVS Credit
01.2009 - 12.2019
Collection Executive
India Bulls
01.2008 - 12.2009
Collection Executive
Recovery Agency
01.2003 - 12.2006
B.A. -
A.M jain college
XII -
Chromepet boys hr sec school
X -
Shri aiyyasamy aiyar high school