Summary
Overview
Work History
Education
Skills
Interests
community involvements
Timeline
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Selvakumar Sellappan

Selvakumar Sellappan

Credit Executive, Customer Service Associate
CUDDALORE

Summary

credit officer with track record of consistently delivering highest levels of performance. Tactful and dynamic professional offering great acumen in sales generation and customer relationship management. Knowledgeable in financial and credit analysis, credit modeling and market status monitoring. Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledge able and friendly financial services. Proactive MFI bank's policy with strong background in financial analysis, budgeting and forecasting. Develops and implements financial plans and delivers strategic financial advice. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. and am ready to help the team achieve company goals Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability.

Overview

3
3
years of professional experience
3
3
years of post-secondary education

Work History

Credit Executive

HDFC BANK
CUDDALORE
05.2022 - Current
  • Wrote and implemented standard operating procedures for credit personnel to achieve consistency iN rating evaluations
  • Oversaw reporting, documentation and recordkeeping requirements for department.
  • Obtained and interpreted financial statements to assist in credit limit reviews.
  • Provided resources and expertise for conversion, validation and training required for company-wide software updates.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Devised collection recovery strategies to resolve customer issues and delinquent cases.
  • Developed strategies to expedite payments and customer resolutions.
  • Used vymo (app) to perform credit appraisals, document verification and loan approvals.
  • Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
  • Reviewed and analyzed loan procedures.
  • Referred delinquent accounts to collections department or outside resources.
  • Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
  • Optimized credit approval and collection processes, improving operational efficiencies by over 9%.
  • Monitored accounts for signs of fraud and non-payment issues.
  • Negotiated settlements and payment terms with customers and delivered customized payment plans.
  • Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.

Customer Service Associate Cashier

subha anandham medical centre
CUDDALORE
11.2020 - 02.2022
  • Collected and authorized patients payments.
  • Helped patients visitors to locate their room and pharmacies and near by shops
  • Drove patients loyalty and care through friendly service and knowledgeable assistance.
  • Operated cash register for cash, check, and credit card transactions with excellent accuracy levels.
  • Worked flexible schedule and extra shifts to meet the upcoming patients needs
  • Answered questions about insurance policies and addressed (patients visitor) customer concerns.
  • Responded to patients calls and emails to answer questions about hospital enquiries and services.
  • Creating every patients bill summary and patients advisory detials from doctors

Education

Bachelor of Science - MATHEMATICS

C Kandhasamy Naidu College For Men
CHENNAI
04.2017 - 04.2020

Skills

    Expertise in MS OFFICE, EXCEL

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Interests

Writtings

Reading

Photography

community involvements

 (animal shelter volunteer) like walking dogs shows compassion and work ethics and nursing home volunteer will show us how our human environment behaving in our day to day life and homeless shelter volunteers and these duties will improve our personal beliefs to lead a good social environment

Timeline

Credit Executive

HDFC BANK
05.2022 - Current

Customer Service Associate Cashier

subha anandham medical centre
11.2020 - 02.2022

Bachelor of Science - MATHEMATICS

C Kandhasamy Naidu College For Men
04.2017 - 04.2020
Selvakumar SellappanCredit Executive, Customer Service Associate