Ravisekar Timothy

Direct ownership of the PNPA portfolio and the GNPA portfolio, delivering sustained improvements in roll rates through segmented and stage-specific treatment strategies.
Oversaw stock, enhancing cure rates and controlling forward flow through disciplined execution and analytics-driven decisioning.
Partnered with Sales, Risk, and Credit teams to provide actionable insights that influenced policy recalibration for pre-NPA accounts, reducing slippages.
Led the end-to-end collections ecosystem for a credit card portfolio, managing Relationship managers, regional managers,external agencies and filed executives.
Conceptualized and implemented 'High Bread' channel allocation model for under 40,000 pos cases to internal call centers, reducing external payout costs and improving Cost-to-Collect (C2C).
Established robust agency governance frameworks, including Audit and Compliance, scorecards, and monthly reviews, ensuring alignment with targets and compliance standards.
Acted as a single-point leadership interface for escalations, internal audits, and concurrent audits, consistently achieving zero critical observations through strong documentation and control discipline.
Built leadership depth across regions by mentoring senior managers, strengthening succession pipelines, and embedding a culture of performance, accountability, and compliance.
Portfolio Performance and Risk Mitigation, Strategic Channel Management, and Cost Leadership. Regulatory Leadership and Talent Development.
Leadership role with end-to-end accountability for strategy, performance, governance, and P&L across Retail Unsecured portfolios, including Credit Cards.