UMAMAHESWARI SIVARAMAKRISHNAN

Regional Head – Administrative Operations (Tamil Nadu and Kerala). (Oversaw 60+ locations, including 48 Area Offices, 4 Back-End Offices, 7 Cluster Offices, and 1 Regional Office.)

Directed administrative functions across two states, ensuring seamless coordination and operational excellence in alignment with corporate objectives.

• Led 10 core departments: Human Resources, Office Services, Customer Relationship Management, Accounts, Audit and Compliance, Document Management, Risk Management, Information Technology, CSR, and ESG initiatives.
• Spearheaded end-to-end HR operations: recruitment, interviews, onboarding, confirmations, performance appraisals, incentive planning, transfers, promotions, resignations, retirements, and employee training programs.
• Administered payroll, increments, employee benefits, lease agreements (office and employee housing), and exit settlements for retiring or resigning staff.
• Supervised office openings, relocations, and mergers in full compliance with National Housing Bank (NHB) regulations.
  Managed financial operations: daily cash collections, cheque handling, deposits, bank reconciliations, trial balances, financial reporting, and quarterly/annual account closures.
• Maintained Accounts in tact , managed daily cash collections, cheque handling, bank deposits, bank reconciliations, trial balances , financial reporting to the corporately , monthly, quarterly and annual closures and monthly accounts reviews. Received appreciation for the quality and timely compliance and management of accounts
• Oversaw customer service operations: addressed grievances, ensured prompt resolution of service requests, and maintained 100% EOD closure on complaints via helpline support across all back-end offices.
  Closed critical audit findings on time, and earned commendations for effective audit compliance and reporting.
• Maintained legal records, coordinated timely representation in court, ensured adherence to decrees, managed appeals, and facilitated the smooth closure of cases.
• Ensured robust document management: safe storage, retrieval, and return of original documents to customers; maintained warehouse facilities as per policy.
• Ensured strict compliance with NHB and RBI regulations, displayed statutory notices (GST, gratuity rules, company info), and maintained organized documentation at all offices.
• Implemented CSR activities: coordinated data collection, event planning, kit distribution, and end-to-end project monitoring.
  Promoted ESG principles: monitored resource consumption (electricity, paper, fuel), implemented sustainability initiatives, and fostered employee awareness to reduce wastage and improve environmental responsibility. .

• Led recovery operations across Tamil Nadu and Kerala, overseeing 75 debt recovery agents.
• Managed non-performing asset (NPA) accounts, ensuring timely loan recovery.
• Monitored high-value loan repayments, mitigating risks, and preventing defaults.
• Initiated legal proceedings under the SARFAESI Act, leading to property auctions for overdue loans.
• Successfully reduced NPA figures, earning recognition for outstanding recovery performance
• Collaborated with legal teams for processing default cases and debt recovery actions.
• Managed recovery operations for delinquent loans and outstanding payments.
• Conducted regular follow-ups with borrowers to negotiate repayment plans.
• Maintained accurate records of recovery efforts and borrower communications.

• Managed operational activities across Chennai, Tiruvallur, Pondicherry, and Vellore Districts.
• Streamlined file movement logistics between the Operational Office and Area Offices, ensuring an efficient workflow.
• Performed credit appraisals, assessed borrower creditworthiness, and approved loan applications.
• Coordinated with the administration department for employee attendance, allowances, commission payments, vendor settlements, and tax compliance.
• Ensured timely generation of account statements, cash counter management, accounts reconciliation, and fund management
• Collaborated with the recovery team on overdue accounts including legal coordination with external law firms
• Led customer service initiatives, grievance redressal, and asset portfolio retention.
• Managed staff performance evaluations, promotions, transfers and incentive programs
• Oversaws maintenance of office facilities , area offices lease maintenance, employee lease maintenance, renewals and closures
• Conducted multiple sales meetings to drive target achievement, and organized property exhibitions. marketing intermediaries , followed up with mails and messages. Ensured that the agents are qualified in the respective competitions
• Had meetings with the builders mainly CREDAI builders and conducted property exhibitions
• Maintenance of accounts, receivable management and facilitated smooth month end financial closures ensuring operational efficiency

• Led Sales Operations successfully distributing Rs.73 crore to Police Housing FInance Corporation - tripled the assigned the target
• Maintained a "ZERO NPA" and "ZERO Default" record while achieving consistent business growth
• Managed multiple departments over the years including Recovery, Accounts, sanctions, and disbursements
• Increased the sales force who are still existing with the company
• Developed sales strategies to increase market share in assigned territory.
• Conducted market analysis to identify trends and opportunities for growth.