Vijay Sankar

Heading Customer Succession team to ensure penetration and P&L

• Account Management
• GTM strategy
• Implementation of SAVii products in coordination with internal teams - Product, Technology, Finance, Operations, Risk & Marketing
• Revenue Generation
• Loan Uptake and P&L
• Evaluate and implement Marketing & Reach out Strategies to ensure penetration
• Risk Accreditation of Corporates
• Risk Evaluation based on - Credit Scores - Data Analysis & Consumer Behavior
• Responsible for building healthy portfolio
• Collections & Portfolio Management
• Client Performance & Engagement
• Product Discoveries, Improvement and Implementation
• Technology and Automation

Portfolio Sized : USD 150 Mllion

• Building up Robust Credit Risk for each country
• Score card based Risk Analysis based on Transactional Data and Operations data on Platform
• Behavioral Score for the Customers Customized Product Development
• Responsible for building & maintaining healthy portfolio
• Collection & Legal Channel development across South east Asia
• Collections & Recoveries and Legal Recoveries across Geographies
• Team formation and Management
• Enable Partnerships across the Globe with Fintechs, Financial Institutions and Banks to enable Trade Credit and Working Capital, BNPL - BuyNow PayLater, Invoice discounting, Cross Border Financing, Supply Chain financing.

Portfolio Size : INR 160 Cr

• Handled Sales Channel development, Credit & Collections
• Part of Credit Committee and Leadership team
• To build up a quality and profitable SME Loan Book for Niyogin Fintech Ltd.
• To build the automated Credit Scoring Model with Score cards & Risk based Pricing and Re calibration of the Credit Score
• To develop Portfolio Risk Framework & Monitor Portfolio performance,
• Responsible for building and managing Collections & Recoveries platform of Niyogin.
• Portfolio Segmentation based on Risk thus creating Priority pool for Collections & Early Warning Signals
• Setting up the entire Collection Process, Policies, Team and the Channels
• To help in conceptualizing and developing the new Products & Programs and help the Product team to develop Innovative and customized Products
• Assessment of operating & potential markets
• Established & managed the Sales Distribution Network and Activation in the Launch phase

Portfolio Size : INR 8500 Cr with customer pool of 1.8 Million

• Portfolio Resolution and Strategy & Data Analytics
• To build up and implement Collection Strategy for Buy out ARD Portfolio (2400 + DPD)
• Segmentation of Portfolio based on Data Analytical Inputs & Scoring Model
• To provide Insight from behavioral models
• Predictive analytics to improve decision making and efficiency by analyzing a wide set of customer data to determine the risk level and to develop the most appropriate treatment strategy.
• To develop operational strategy aiming to ensure that the right treatment and mechanism is used at the right time and at the right cost for customer segment.
• To develop More efficient, effective processes - Increasing the automation of collections activities make collections processes significantly more efficient and effective.
• Data mining to assist in segmenting the portfolio and developing the predictive analytics model
• Responsible for the formulation and Implementation of Performance Management System, the Annual Operating Plan & Target for respective products.
• Responsible for Annual Budgeting, P & L
• Implementing resolution and work out strategies focused on capturing value within a finite time through well defined process, whereby management and ownership issues are segregated and dealt with by adopting established best practices
• Responsible for the formulation and Implementation of Call Center Migration Plans, Performance Management System,the Annual Operating Plan & Target for respective products

• Building up the Collection Process, Policies and Team of Fed Bank Financial Services Ltd.
• Collection Strategy Formulation and Implementation

Roles:

• Strategy Manager – Debt Management Retail Banking
• Zonal Manager – Tele Collections- Unsecured – Pan India
• Service Delivery Head –Call Center – Retail Loans & Credit Cards Collections
• Vertical Head–Collections Tele Calling
• Managed Telecollections unit of 4500 seats

• chain of stores offering Laundry and Dry-cleaning Services with a centralized processing center, under the brand name of “DHULAAI” in India.

• Pre - Sales Customer relations
• Creating the concept and revenue models for the Internet start-ups the company was advising in that period
• Conceptualizing the model and design of the portal based on the target market it was addressing