Sivakumar J
Zonal Portfolio Manager
Chennai
Summary
Talented Portfolio Manager bringing 22+ years of experience in making proactive fund proposals. Skillful managing exposure, maintaining client satisfaction and capitalizing on emerging opportunities.
Overview
24
24
years of professional experience
2
2
Certifications
3
3
Languages
Work History
Zonal Portfolio Manager - IL and SLI - TN & KA
Avanse financial services ltd
10.2018 - Current
- Monitoring quality with TAT
- Frequent training to team members and Sales team
- Handling team size of 5 including off-role employee
- Assist other vertical departments like Education loan, Institution funding for process
- Portfolio maintenance
- Visiting client for collection and to serve them betterP
- Promoted to Zonal Portfolio Manager for Education Infrastructure and Student Lending – currently handling the South since April 2025.
- Promoted as Zonal Credit Head for Education Infrastructure since June 2019.
- Nominated as team head for the CSR activity for South.
- Initiated local MIS-maintaining procedure.
- Monitoring collection to control delinquency.
- Visiting the customer's place along with the collection and sales team.
- Led cross-functional teams to streamline credit approval processes, resulting in improved turnaround times and client satisfaction.
- Analyzed market trends and economic data to identify growth opportunities, driving strategic initiatives that boosted portfolio performance.
- Mentored junior credit analysts, fostering a culture of knowledge-sharing and continuous improvement in credit evaluation methodologies.
Area Credit Manager
Fullerton India Credit Company ltd
09.2014 - 10.2018
- Monitoring quality with TAT
- Frequent training to team members and Sales team
- Visiting channels along with Sales team and train them
- Follow-up of 12 mob delinquent cases
- Handling team size of 25 including off-role employee
- Instrumental in credit analysis for retail clients for unsecured and secured loans.
- Monitoring the disbursement process
- Managing file flow with good TAT
- Initiated local MIS maintaining procedure.
- Maintained minimum TAT across the country.
- Trained Loan application tool (Finn one)
- Monitoring collection to control delinquency
- Visiting customer place along with collection team
Manager (Area Credit Head -Risk Management)
Yes bank Ltd
09.2012 - 09.2014
- Scrutinizing loan applications with sales department.
- Instrumental in credit analysis for retail clients for unsecured and secured loans.
- Customer service.
- Dispatching files to Ops team for disbursement.
- Monitoring PDD and collecting the same from dealer/customer through sales team.
- Visiting Dealers, Vendors and Customers.
- Initiated local MIS maintaining procedure.
- Preparing CAM for auto loans and appraising based on norms.
- Conduct monthly training to sales team.
- Maintained minimum TAT across the country.
- Trained Loan application tool (Finn one)
Branch Credit Manager
ICICI bank ltd
09.2010 - 09.2012
- Scrutinizing loan applications with sales department.
- Appraising files based on company norms.
- Interacting with Ops team for disbursement.
- Monitoring PDD and collecting the same from dealer/customer through sales team.
- Visiting Dealers, Vendors and Customers.
- Credit manager for PL, AL for Salem and Coimbatore cluster.
- Handled ROTN for Auto loans and Personal Loans in absence of credit managers.
- Maintained the best score in booking files without errors.
- Average score is 9.9/10
- Minimized pending PDD from 7% to 2%.
- Awarded by BH for maintaining best TAT across the country.
- Initiated monthly training to sales team & CPA.
- Conduct test on policy and process to sales and CPA team on monthly basis to motivate them.
- Coordinate and maintain MIS of AL, PL for TN region & send to seniors.
Branch Credit Manager
Fullerton India credit company ltd
03.2007 - 09.2010
- Scrutinising the application forms.
- Credit appraisal, maintaining minimum possible TAT.
- Timely despatch of documents to ops.
- Submitting various MIS reports to HO on weekly / monthly basis.
- Maintained the best portfolio across country.
- Maintained delinquency within 5% which is the best across the country.
- Maintained the best score in booking files without errors.
- Awarded as Pillar of the branch by RBH.
- Regularly achieved target and rated the best for subsequent two years.
- Highest grade for branch in review.
- Deputed at Erode to help business.
- Audited collection receipts, vouchers, vendor payment etc.
- Also handled Mettur and Dharmapuri locations.
Junior Assistant
Bajaj auto finance ltd
05.2002 - 02.2007
- Updating files in system.
- Preparing Disbursement Clearance note and sent to HO for disbursement.
- Allocating cases to verification team.
- Presenting PDC with banks.
- Allocating bounce cases to collection team.
- Follow up for RC books with dealers/Customers.
- Preparing backup of system and sent to HO for processing.
- And handling other activities on timely basis.
- Submitting various MIS reports to HO on weekly / monthly basis.
- Achieved the branch rating as A+ for the subsequent 3 years.
- Implemented proper record keeping methods.
- Monitoring the sales team to achieve target.
- Maintained the arrears position less than 2% through credit evaluation.
- Apart from the given responsibilities, monitoring the collection performance with the agencies and maintained the arrears within target.
- Worked under deputation at Vellore, Erode.
- Scrutinising the application form.
- Achieving the month targets on TW, CD, and PC & PL by coordinating with sales team.
- Conducting melas to attract customers.
- Credit appraisal, maintaining minimum possible turnaround time.
- Timely despatch of documents to HO.
- Ensuring the customers/dealers service to the standards of the company.
- Managing and motivating the performance of the DMA staff.
- Maintained of software, hardware and interacting with AMC agency.
- Maintained the labour office & ESI records.
Branch In-charge
Icon dudhani
09.2001 - 04.2002
- To give training to branch staff.
- Proof reading of the profile.
- Quality control of the given file.
Education
M. Sc. - Chemistry
St. Josephs’ College (Autonomous)
Tiruchirappalli04-2005
B. Sc. - Chemistry
Bharathidasan University
Tiruchirappalli04-1999
Skills
TAT monitoring
Process improvement
Risk assessment
Customer service
Portfolio management
Credit analysis
Team leadership
Client communication
Certification
Certificate in Computing from IGNOU
Profile Snapshot
19, Credit, Administration, Customer Service, Collections, Risk Management, Relationship Management, Retail Sales, Finnone, Loan Appraisal, Client Servicing
Personal Information
- Date of Birth: 1979-02-06
- Nationality: Indian
Awards
- 1st Prize in inter college competition in Chem Amigos
- 1st Prize in intra college competition
- C Certificate holder from NCC
- Regulated traffic at the time of Deepavali
- Conducted medical camp and cycle and motor cycle rally
- Presented paper on Pollution control
Timeline
Zonal Portfolio Manager - IL and SLI - TN & KA
Avanse financial services ltd
10.2018 - Current
Area Credit Manager
Fullerton India Credit Company ltd
09.2014 - 10.2018
Manager (Area Credit Head -Risk Management)
Yes bank Ltd
09.2012 - 09.2014
Branch Credit Manager
ICICI bank ltd
09.2010 - 09.2012
Branch Credit Manager
Fullerton India credit company ltd
03.2007 - 09.2010
Junior Assistant
Bajaj auto finance ltd
05.2002 - 02.2007
Branch In-charge
Icon dudhani
09.2001 - 04.2002
M. Sc. - Chemistry
St. Josephs’ College (Autonomous)
B. Sc. - Chemistry
Bharathidasan University