Samiulla Hussaini
Bangalore
Summary
A challenging position, where I can enhance my skills and strengths in conjunction with organizational objectives, milestones and goals.
Overview
18
18
years of professional experience
Work History
Reginae collection manager
L&T Housing Finance Ltd.
Bangalore
04.2024 - 09.2024
- Responsible for managing Mortgage collections with Four ACMS and Ten
- Inhouse team Members
- Handling mortgage collections Bkt X to 60 dpd cases
- Handling personally the customer complaints and work on solve them
- Ensure timely Recovery of mortgage loan
- Apart from collections maintenance of PDC exhaust/NACH Conversion/Collection Feedbacks/Overdue-Penal Collections and MIS at regular intervals
AVP – Mortgage Collections-Karnataka
Axis Bank Ltd.
Bangalore
05.2017 - 03.2024
- Risk management buckets 2/3/ NPA & ODLAP Mortgage collections for Karnataka
- Handling Seven on roll team in including two senior managers
- Monitoring other product PNAP Trigg/Links accounts to avoid NPA additions
- Ensure releases from NPA accounts
- Reviewing & redesigning collections models, especially in risk buckets
- Process Moderation and management
- Elevation of collections productivity
- Transformation of Collections Executives, across verticals
- Coordinating system migration for varied process in all verticals
- Reduced service delivery TAT thereby yielding better customer satisfaction
- Achievement of benchmark target and productivity levels, across verticals, in line with contemporaries
- Build & develop sustainable inter-departmental association for improved synchronization
- Containing delinquency levels of the region & the zone and maintaining the same consistently
- Checking the flow of delinquency and sustaining the same at requisite levels
- Streamlining the entire credit – operations ending up with reduced TAT for customer service
- Build a robust team for driving effective collections
Collection Manager
India Bulls Housing Finance Ltd.
08.2010 - 05.2017
- Responsible for managing Mortgage collections in house team of 5 Members
- Handling mortgage collections Bkt 0 to 91dpd cases
- Handling personally the customer complaints and work on solve them
- Ensure timely Recovery of mortgage loan
- Apart from collections maintenance of PDC exhaust/CNP Conversion/Collection Feedbacks/OD-Penal Collections MIS at regular intervals
Agency Manager
ICICI BANK COMMERCIAL BUSINESS COLLECTIONS
Bangalore
07.2006 - 05.2010
- Handling the commercial vehicle loan collection of Bangalore branch
- Handling retail / corporate collection
- Fixing up the target for in-house executives & agencies & motivate them to achieve the same & do efficient collection for the month
- Monitoring & evaluating the performances of external collection agencies through periodical review
- Managing overall team of 15 members
- Hands of experience in reconciliation of large number of account
- Strict adherence to the audit companies of bank
- Managing Tele calling activities
- Involving in the operation of the collection without any escalation and giving regular updates of the targets on daily
- Monitoring the overall functioning processes, identifying the improvement areas and uplifting
- Achieving daily targets leads to the competitive results to the other regions operational
- Skip tracing the customer using data tools such as CIBIL, PAN card, driving license, election commission card and other tools like Host management provided by the banking industry
- Fraudulent usage of cards by others will be traced using electronic data documentation
- Preparing the MIS reports, statement and records ensuring to appraise managements process and assisting team during the critical decisions
- Using formulas on spread sheet, pivot table and essential tools
- The daily MIS reports will be prepared with targets, performance of the team status and error reports
Education
Bachelors of commerce -
Kuvempu University
Shimoga, Karnataka11.2005
Skills
- Credit risk management
- Technical aptitude
- Goal-Oriented
- Portfolio Analysis
- Data entry proficiency
- Patience and Persistence
Professional Highlights
- Over eighteen years of experience in mortgage collections, risk management (both operational and credit), audit and compliance in the retail lending and payments division of banks and NBFCs
- Experience in audit (both internal and external) and closure compliance in line with regulatory and statutory guidelines
- Experience in process moderation for elevating higher productivity levels, and reducing process TAT for better customer delivery
- Extensive experience in risk management of varied retail asset products, such as mortgage and housing loans, ODLAP consumer loans, and auto loans
- Designed and executed an integrated risk strategy, especially for managing infant and early delinquency levels of secured products
- Led initiatives in creating risk management procedures and standards
Languages
Hindi
First Language
English
Proficient (C2)
C2
Selfassessment
- Positive outlook towards life, both professional and personal good communication skills, a keen desire to excel assertiveness.
- Flexible and adaptable situations.
- Maturity in thought and action.
Personal Information
- Father's Name: Mohammd ulla
- Mother's Name: Naseemunisa
- Date of Birth: 03/04/1983
- Nationality: Indian
- Marital Status: Married
Timeline
Reginae collection manager
L&T Housing Finance Ltd.
04.2024 - 09.2024
AVP – Mortgage Collections-Karnataka
Axis Bank Ltd.
05.2017 - 03.2024
Collection Manager
India Bulls Housing Finance Ltd.
08.2010 - 05.2017
Agency Manager
ICICI BANK COMMERCIAL BUSINESS COLLECTIONS
07.2006 - 05.2010
Bachelors of commerce -
Kuvempu University
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