Rana. S
Head-Collections
ERNAKULAM
Summary
Auto Loan Collection , Kerala Astute, Results oriented professional over 18 yrs of comprehensive experience in Collection Branch Administration, Sales Customer Handling, Operations, MIS and Credit Control in Non Banking Finance Company (NBFC) Objective: Seeking to steer Collections Assignments in NBFC/Banking Sector at senior level while integrating technical expertise and leadership skills that drives organizational performance to world-class levels Additional Excellence in: ~ Administration ~ Target Achievement ~ Collection ~ sales, Customer Care And Service PROFILE SNAPSHOT Proven strengths in formulating long term/ short term strategies, Devising Collection development strategies and Competitors’ performance analysis Expertise in Supervising collection and recovery , preparing collection forecast plans, Driving collection initiatives to achieve goals and Managing teams Adept at customer support and negotiation skills, liasoning with advocates for legal action against the chronic defaulters Possess excellent interpersonal, analytical and negotiation skills with proven track record of utilizing a process-oriented approach towards the accomplishment of cost
Overview
22
22
years of professional experience
3
3
years of post-secondary education
1
1
Language
Work History
Head Collections
V P
ERNAKULAM
08.2017 - Current
- Managing entire portfolio of the company
- Set the collection policy and mechanism
- Update the collection strategy as guided by the RBI on time
- Managed team of employees, overseeing hiring, training and professional growth of employees.
- Developed and maintained courteous and effective working relationships.
- Participated in team-building activities to enhance working relationships.
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
- Resolved problems, improved operations and provided exceptional service.
HEAD COLLECTION (VP)
MAXVALUE CREDITS AND INVESTMENT LTD
08.2017
- AUTO LOAN
- Managing one Reginal Manager and 3 Area Managers for collection in all buckets from X In the Kerala State
- Entrusted with the task of handling collection portfolio for 2 Wheelers, 3 Wheelers, Used Cars and Used 3 Wheelers
- Supervised a team of Regional collection Manager ,Collection Managers, Assistant Managers and Collection Officers with a team size of 210 employes & 32 Agencies .Reporting to SrAVP Collection
- Conducted portfolio analysis on various parameters & segments and provided feedback to the VP to alter the product program based on portfolio performance
- Prepared various MIS reports like arrear, cash flow, monthly collection tracker, delinquency, etc
- Implementing new and innovative ideas to improve and better the performance
- Field support to crack the tough and problematic customers
- Case wise review with the field executives on a daily basis.
Sr. REGIONAL MANAGER COLLECTION AUTO
MUTHOOT CAPITAL SERVICE LTD, LOAN KERALA
07.2017 - 12.2017
- Managing one Reginal Manager and 3 Area Managers for collection in all buckets from X In the Kerala State
- Entrusted with the task of handling collection portfolio for 2 Wheelers, 3 Wheelers, Used Cars and Used 3 Wheelers
- Supervised a team of Regional collection Manager ,Collection Managers, Assistant Managers and Collection Officers with a team size of 210 employes & 32 Agencies .Reporting to SrAVP Collection
- Conducted portfolio analysis on various parameters & segments and provided feedback to the VP to alter the product program based on portfolio performance
- Prepared various MIS reports like arrear, cash flow, monthly collection tracker, delinquency, etc
- Implementing new and innovative ideas to improve and better the performance
- Field support to crack the tough and problematic customers
- Case wise review with the field executives on a daily basis.
Sr.Regional Manager Collection
KERALA
12.2009 - 07.2017
Area Sales Manager
KERALA
07.2008 - 11.2009
Area Sales Manager, Marketing Manager
FIRSTREACH Finacial Consultancy Pvt Ltd
07.2008 - 11.2009
- Managing nearly 40 employees
- Reporting to Zonal Manager
- As Area Sales Manager
- Successfully handling 4 TSM
- Entrusted with the responsibility of achieving the targets through eight Branches and 15 marketing officers in different branches
- As Control Relationship Manager
- Training Relationship Manager for handling the process of CCU and CCU Audits
- Responsible for CCU Audit isuees in Citi Financial collection agencies
- Handling 37 Collection Agencies ,closing CCU Audit issues across Kerala
- As, Handled the complete sales activities of the 3 districts in TN
- Remarkably controlled 3 district, 1 mainshowroom and 5 sub-dealers
- Managed T/W Marketing for Kanyakumari district,car marketing in TVL KK & Tuticon districts
- Lead the branches with 5 Ast.SM, 30 Marketing Executive
- Reviewed the Ast SM and Marketing Executive on a weekly basis
- As Sr
- Executive:
- Handled 6 DMA’s and 7 recovery agencies in KOLLAM district
- Liasoned with advocates for legal action against the chronic defaulters (e.g
- U/S 138) and follow up
- Sourcing DMA and recovery agencies areas where the defaulter rate is high
- As Collection Executive(DMA)
- Collecting an aveage amount of 2L/ month
- Closing around 150 1&2Bkt cases / month
- Key Attainments:
- FIRST REACH, we are open 8 branches in Kerala with in 3 months and an average business of 20 L/ Branches
- Citi Financial, closing around 750 ccu audit issues acroos Kerala,Training to the Relationship Managers and 37 collection agencies with in 3 months
- DERIK TVS Nagarcovil, Successfully achieved All India Highest of 1007 TVS M/c sales in the month of Dec2006
- DERIK Hyundai Nagarcovil ,Successfully achieved 54 Hyundai cars sales in 2006 Dem,
- Increased the TVS M/C market share 10% to 29% in a Span of 5 months
- Increased the Market share of Hyundai cars from 8% to 33% in a Span of 3 months at Nagarcovil,Tutucorin and Tirunenveli districts
- Bajaj Auto Finance, achieved the topmost rating of A+ for an individual branch for the first time in the history of Kollam Branch
Control Relationship Manager KERALA
02.2008 - 06.2008
Marketing Manager
KK
06.2006 - 01.2008
Sr. Executive
KOLLAM
01.2005 - 05.2006
Collection Executive
ESSIONAL QUALIFICATIONS PROFESSIONAL
KOLLAM
06.2004 - 12.2005
01.2003 - 01.2004
- Accomplished highest ever collection target in Kollam Branch in November 2006 with an amount of 28 Lakhs
- Achieved overall target with an average monthly collection of 20Lakhs
- Collecting 2.5 L in 2004 March, for an individual (DMA) topmost collection perfomence in South India.
Education
Bachelor of Commerce -
SN COLLEGE
KOLLAM 06.1999 - 03.2002
Skills
IT SKILLSundefined
Affiliations
MBA,(doing) Marketing, Manippal University.
B.Com, S.N College,Kollam,Kerala University,2002
Additional Information
- Reginal Manager and 3 Area Managers for collection in all buckets from X In the Kerala State. Entrusted with the task of handling collection portfolio for 2 Wheelers, 3 Wheelers, Used Cars and Used 3 Wheelers Supervised a team of Regional collection Manager ,Collection Managers, Assistant Managers and Collection Officers with a team size of 210 employes & 32 Agencies .Reporting to SrAVP Collection Conducted portfolio analysis on various parameters & segments and provided feedback to the VP to alter the product program based on portfolio performance Prepared various MIS reports like arrear, cash flow, monthly collection tracker, delinquency, etc. Implementing new and innovative ideas to improve and better the performance. Field support to crack the tough and problematic customers. Case wise review with the field executives on a daily basis.
Travelling, Cricket
Extensive travelling in connection with collection
College team cricket player and also participating club cricket
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Head Collections
V P
08.2017 - Current
HEAD COLLECTION (VP)
MAXVALUE CREDITS AND INVESTMENT LTD
08.2017
Sr. REGIONAL MANAGER COLLECTION AUTO
MUTHOOT CAPITAL SERVICE LTD, LOAN KERALA
07.2017 - 12.2017
Sr.Regional Manager Collection
KERALA
12.2009 - 07.2017
Area Sales Manager
KERALA
07.2008 - 11.2009
Area Sales Manager, Marketing Manager
FIRSTREACH Finacial Consultancy Pvt Ltd
07.2008 - 11.2009
Control Relationship Manager KERALA
02.2008 - 06.2008
Marketing Manager
KK
06.2006 - 01.2008
Sr. Executive
KOLLAM
01.2005 - 05.2006
Collection Executive
ESSIONAL QUALIFICATIONS PROFESSIONAL
06.2004 - 12.2005
01.2003 - 01.2004
Bachelor of Commerce -
SN COLLEGE
06.1999 - 03.2002
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