SUDHARSANAM S
Strategy, Business Operations, Debt Management
Chennai
Summary
Results-driven strategic planner skilled in streamlining business processes and enhancing team performance. Managed collections across five states, overseeing personal, cash, and home loan portfolios from delinquency to recovery. Led tele-calling and field collections teams, ensuring compliance with regulatory standards while fostering continuous improvement.
Overview
21
21
years of professional experience
2
2
Certifications
Work History
Senior Regional Manager - Strategy,Debt Management
Navi Fintech Private Limited
09.2021 - Current
- Handling Personal Loan, Cash Loan, Home Loan Bkt 0 to Recovery Collections for the State Tamil Nadu and Kerala, Andhra Pradesh, Telangana, Karnataka and Pondicherry
- Allocation of delinquent accounts to appropriate agencies.
- Responsible to achieve the daily DRR target and drive the team.
- Conducting reviews and views on regular basis for the entire team.
- Responsible for payment hands off on timely basis.
- Audit and team huddles conducting of periodic basis.
- Encourage and train the subordinates, appraise and evaluate Team member's performance and offering counselling.
- Achieving target on a monthly basis and motivating the team to achieve on a regular basis.
- Conducting daily review meeting at agencies and maintaining code of contact as per the process and policy of the organization
- Holding the highest target across PAN India and consistently achieving it month after month.
- Increased the Recovery CE from 2% to 3.50% in 180+ pool gradually from 2021 to 2026.
- Increased the Recovery CE from 9% to 21% in 31 to 180 pool gradually from 2021 to 2026.
- Rated 4 on a 5 rating scale in Two out of Three appraisals.
- Promoted from Regional Manager to Senior Regional Manager based on performance in the 2023 appraisal.
- Based on the consistent performance, the following long-term and High Impact projects assigned: Strategies to enhance collections using legal tools.
- Approaches to reduce incoming escalations and Develop a structured approach for effective de-escalation.
- Handled PAN-India Calling Governance and Field Coverage Governance.
Senior Area Collection Manager, Personal loans
BAJAJ FINSERV
02.2019 - 09.2021
- Answered the queries and questions of the solicitors and debt collection agents.
- Encourage and train the subordinates, appraise and evaluate Team member's performance and offering counselling.
- Achieving target on a monthly basis and motivating the team to achieve on a regular basis.
- Conducting daily review meeting at agencies and maintaining code of contact as per the process and policy of the organization.
Deputy Manager, Car loans
KOTAK MAHINDRA PRIME LTD
06.2017 - 01.2019
- Taking regular feedback from each agencies and resolve the dispute and query.
- Responsible to achieve the daily DRR target and drive the team.
- Answered the queries and questions of the solicitors and debt collection agents.
- Responsible for Repo kit handling.
- Responsible for Repo sale of reposed vehicles.
Assistant Manager, Salaried Personal Loans and Consumer durables
BAJAJ FINSERV
07.2015 - 05.2017
- Answered the queries and questions of the solicitors and debt collection agents.
- Encourage and train the subordinates, appraise and evaluate Team member's performance and offering counselling.
- Achieving target on a monthly basis and motivating the team to achieve on a regular basis.
- Conducting daily review meeting at agencies and maintaining code of contact as per the process and policy of the organization.
Assistant Manager, Retail Portfolio Management Credit Cards
HDFC Bank
07.2014 - 05.2015
- Handled outsourced agencies for post write off credit card recoveries.
- Contacting customers on a call and through field visits, negotiating with customer and explaining the consequences because of non-payment.
- Making request for the settlement and NOC to as per the process and as per the customer requirement.
- Responsible to do weekly audit and surprises bag checks at agencies.
- Responsible to do data destruction of previous month data at agencies on 1st of every month.
- Informing the account holders on phone or in person about their dues and insisting on a speedy recovery to avoid further complications.
- Assessing the situation and making negotiations for full payments.
Assistant Manager
C.SUBBARAYAN ENGG CONTRACTOR
04.2012 - 06.2014
- Contractor in Indian Oil Corporation, in charge for maintenance at retail outlets.
- Responsible to cote tender for Indian Oil Corporation Ltd.
- Carry out works for region across three districts.
- Responsible to carry out the back end office works like bill preparation, quotation preparation, following up the bill till the payment received.
Senior Dept. Management Officer
HSBC Operations and Enterprises
10.2007 - 03.2012
- Responsible for Personal Loan, Home Loan and Credit Card Collections from Delinquent Customers those who failed to make the payment on the due date, Through Tele Calling and visiting them on there place.
- Have to do my updations on Customer Data in Daily basis.
- Have to solve all the Queries and Disputes from the customer side which is adhere to my process.
- Maintain My Code of Conduct as per the Management and the Quality.
- Telephonic Updations data and Memo Updations of the customers.
- Providing assistance Collection Executives who are in the field to collect the payment from customers.
- Responsible for the money collected from the customer till it reaches the bank account of the customer.
- Through my skills I got a Lateral promotions from entry level, Officer (1st level) to Senior Dept. Management Officer (4th level).
- I am one of the people in my department achieving maximum price of incentives based on My Performance Rater.
Customer Support Executive
Caretel InfoTech LTD
06.2005 - 10.2007
- Authorized vendor for call center customer support 24/7, worked as customer support executive. Responsible to handle and resolve customer query through in bound calls.
Education
PG Degree - Financial Analytics
Anna University
01.2025
MBA -
Madras University
01.2011
BE - Computer Science
PSR Engineering College
Tamil Nadu11-2005
Skills
- Debt Analysis
- Financial Reporting
- Risk Assessment
- Compliance Management
- Business Intelligence tools
- Performance Metrics
- Process Improvement
- Strategic Planning
- Python
- MS Office
- Google Sheets
- Stakeholder Engagement
- Strategic Planning
Additional Information
I believe working in a reputed organization like yours will provide me with excellent opportunity for my career growth. I am confident that if provided the opportunity to serve your organization. I will prove myself to be an important asset for your company through my dedication, sincerity and highest level of professionalism. I would request for an interview at your convenience. For any query, you can reach me at my mobile number 7092637637.
Pan Card No
BREPS4771C
Languages
- English
- Tamil
- Hindi (Beginner)
Technical Qualifications
- Python (Pandas, NumPy, Matplotlib, Scikit-learn)
- Business Intelligence & Data Visualization Tools - Power BI and Tableau
- Certified by Sansbound school of networking for SBCNP.
- Certified by ACCORD infomatrix for Manual Software Testing.
- Automation Testing Tools Win runner, QTP, Load Runner.
- Quality Control, Hardware and Networking in SISI.
- Type Writing, MS Office, Google Sheets
Personal Information
- Age: 41
- Father's Name: Subbarayan.C
- Mother's Name: Boopathy Nayagi.S
- Date of Birth: 03/12/84
- Gender: Male
- Nationality: Indian
Languages
English
Proficient (C2)
C2
Tamil
Proficient (C2)
C2
Hindi
Beginner (A1)
A1
Certification
Software Testing - Automation and Manual at Accord Infomatix
Accomplishments
Promoted from Regional Manger to Senior Regional Manager on 2023
Affiliations
Actively involving in stock analyzing
Timeline
Senior Regional Manager - Strategy,Debt Management
Navi Fintech Private Limited
09.2021 - Current
Senior Area Collection Manager, Personal loans
BAJAJ FINSERV
02.2019 - 09.2021
Deputy Manager, Car loans
KOTAK MAHINDRA PRIME LTD
06.2017 - 01.2019
Assistant Manager, Salaried Personal Loans and Consumer durables
BAJAJ FINSERV
07.2015 - 05.2017
Assistant Manager, Retail Portfolio Management Credit Cards
HDFC Bank
07.2014 - 05.2015
Assistant Manager
C.SUBBARAYAN ENGG CONTRACTOR
04.2012 - 06.2014
Senior Dept. Management Officer
HSBC Operations and Enterprises
10.2007 - 03.2012
Customer Support Executive
Caretel InfoTech LTD
06.2005 - 10.2007
PG Degree - Financial Analytics
Anna University
MBA -
Madras University
BE - Computer Science
PSR Engineering College