Manager Management

JAYAKRISHNAN. K Mob:937-***-****

No: **, *th main, Resi:080-********

2'nd cross,25 ft rd, ********************@*****.**.**

Cambridge layout ************.*******@********.***

Bangalore - 560008

Professional Summary

Over 12 years of work experience in Operations, Collections, Recovery &

Business Development in varied industry domains like Risk Management, Fraud

detection, Business Intelligence & Analytics

Seeking Manager level position with IT based business such as leading BPO

or financial institutions like Banks in the area of Fraud control

management, risk management, Portfolio management, etc.

Highlights:

. High-performing Management professional with more than 12 years

experience in leading Fraud and Risk Management/collections and

recovery teams with well-known banks like HDFC,HSBC and SCB.

. Adept at optimizing business operations, business development,

expansion of marketing network while managing and understanding

competition, consequently achieving and providing high productivity

standards.

. Track record of excellence demonstrated by winning Best Performance

award for securing the best number in Fraud/Risk and account

resolution in the history of the company.

. Proficient in Portfolio management aspects related to various products

like Identifying frauds, supervising Debt Collection Agents and field

executives, setting targets, monitoring progress, supporting team

through appropriate and timely feedback, and training of staff as

required for.

. Coherent manager with proven time/people management, multi-tasking and

problem solving abilities.

. Strong work ethic and drive to succeed; excellent communication and

interpersonal skills.

. Strong collections & Recovery background, excellent organizational and

analytical skills, and the desire to work in a dynamic and fast-paced

environment.

. Excellent written and verbal communication skills.

Professional Summary

H D F C Bank Dec ' 2011 - Till Date

Centelion

Richmond Circle,

Lalbagh Road, Bangalore - 25

DESIGINATION: Senior Manager- Debt Management

Responsibilities:

Receivable Management,

Manage and deliver portfolio indicators including Write off Recovery

rates Define and review collection strategies for the Location Monitor and

review Recovery team to achieve set targets.

Vendor Management,

Relationship management with the vendor

Ensure compliance from the vendors on laid down processes.

Monitor performance of agencies and address performance deficiencies.

People Management,

Facilitate and monitor location recruitments with a clear objective of

future requirements.

Define job roles for team members basis vis--vis their core

competencies.

Improve collection efficiency and maximise recoveries.

Motivate location teams in order to meet unit targets.

Encourage communication between location teams and inculcate location

best practices across portfolios.

Legal,

Perform collection effort on past due invoices by regularly reviewing

aging for past dues and looking up customer notes/status to determine if

action is needed. Action could be either a dunning letter, past due notice,

monthly statement or email reminder. Prepare necessary email or letter with

copy of invoice(s) attached. Work closely with regional legal teams to

distribute and update system notes.

Identification of legal requirements across location teams and addressing

them appropriately.

Addressing legal requirements through identifying accounts and giving

feedback to legal channel for addressal

Operations Management,

Collects, manages and inputs collection notes/activity data into Vision

plus

Prepares monthly/quarterly reports on contact made, letters sent, with

necessary statistics and review with Regional Manger for improvements.

Prepares historical payment data on customer contracts.

Assist operational team when needed, likely to include pulling files,

online financials and scanning, storing and archiving data.

Policy and Sourcing,

Provide feedback on location portfolio trends highlighting areas of

concern and escalating poor performing portfolio trends.

Provide feedback and recommendations on opening up of new markets and

geographies.

H D F C Bank Mar ' 08 - Dec ' 2011

Golden Towers, 3'rd Floor,

Airport Road, Bangalore - 71

DESIGINATION: Manager- Debt Management

Responsibilities:

To direct and monitor activities of collection agency to ensure

greater recoveries on overdue accounts.

To establish guidelines for frauds skips, bankruptcies, write-off's,

collection process and settlement policies, which are in conformity with

the Group policies.

Adherence to Internal processes of credit, cash apps

To interact with legal counsel and regulatory bodies for initiation of

legal cases.

To ensure Receipts reconciliation, agency identity cards issuance,rail

uploads etc.

To empanel agencies and ensure process and compliance adherence.

To regularly visit delinquent clients for the updation of over due

amounts.

To effectively manage all customer related complaints and issues

Exercise adequate control over the collections agency's in terms of:

Capacity Planning.

Recruitment and Training (HDFC & ADFC).

Productivity.

Auditing.

Code of conduct.

Agency Training and Audits

Cost Management & Process management

H S B C Mar ' 06 - May 08

No: 7, 2'nd Floor,

M G Road, Bangalore - 01

DESIGINATION: Assistant Manager, (Fraud/Risk and Debt Management)

Responsibilities,

Identifying fraud a/c's in Personal loans and Credit cards and to take

appropriate actions to resolve the a/c's thereby minimizing loss of the

Bank loss.

To be responsible for the collections, recoveries and litigation of

all delinquent accounts with the objective of ensuring that provisions

and losses are within tolerance limits.

To ensure that the collection is carried out within Consumer Bank

budgeted delinquencies & budgeted costs

To ensure that the collection is carried out within Consumer Bank

budgeted Net Credit Loss.

Define and implement procedures whereby delinquent accounts can be

converted/cured and Bank losses minimized.

Interface externally with lawyers, collection and skip agencies in

order to define and implement processes to optimize recoveries.

To provide feedback to Credit Acceptance and Credit Policy to

incorporate necessary changes to the credit processes.

To be accountable for the effective management and control of all

aspects of card collections.

Compliance to Internal risk management and documentation

Project planning, resource requirement analysis, scheduling, client

meeting, audit planning

Support to the team during project execution, review the report and

provide value add inputs

Facing internal and external clients in a challenging working

environment

Support Seniors in business development and marketing

Write audit reports/prepare management presentations independently

Ensure compliance with risk management strategies, plans and

activities of the firm.

Understand business & industry issues / trends. Identify areas

requiring improvement in the client's business processes to enable

preparation of recommendations.

Maintains composure and exercises control in pressure situations in

the team

Begins to demonstrate the ability to effectively discharge supervisory

responsibilities

Contributes to effective team work in internal engagement situations

STANDARD CHATERED BANK Oct ' 01 - Mar'06

#138,West Wing, 2'nd Floor,Rehaja Towers,

M G Road, Bangalore - 01

DESIGINATION: CUSTOMER ASSISTANCE OFFICER (Risk/Fraud & Collections)

Responsibilities

Managing portfolio of credit card & PL Skip and Fraud Customers

Recovery of 150 & More days payment dues (PL & Credit cards)

Supervising 3 Recovery agencys(18 collecters)

Supervising Office Telecalling Team (32 Officers)

Field visit (supervising 2 field staffs)

Settling of Accounts & resolving issues.

Reporting weekly & monthly projections to Recovery manager & Branch

Head, maintaining portfolio

Trainning newly joined telecallers & agency collecters

Other General Administration.(Having 2 years of experience in credit card

collections )

STANDARD CHATERED BANK Sep ' 00 to Oct ' 01

(Deputed by Pamac Financial Services Pvt. Ltd)

Ground Floor, Unity Building, JC Road, Bangalore -

02

DESIGINATION: PROCESSING ASSOCIATE

Responsibilities:

Verification of Credit Card applications, Fraud controlling.

Documentation and Monitoring of files & submitting reports to Team Leader

in time.

Other General Administration.

BRIGHT ALUMINIUM INDUSTRIES Jun ' 98 to July ' 00

Market Road, Vadakara, Calicut, Kerala - 673

101

DESIGINATION : SALES OFFICER

Responsibilities

Handling wholesale dealers to increase sales volume.

Giving instructions & market status to the dealers,Motivating & Training

Sales Executives.

Qualification Summary

(Bachelor of Business Management (BBM) - University of Mangalore, 1998

(Project Done: A Study of awareness of Asianet Satellite Communications

in Calicut

District - A freelance project)

(DCA - One year Diploma in Computer Application from LBS

Thiruvananthapuram.

1

PERSONAL DETAILS:

Father's Name : Sreedharan Nambiar K.

Marital Status : Married

DOB & Age : 18th February 1978,

34 Years

Languages Known : English, Malayalam,

Hindi,Tamil & Kannada

References

Will be provided on demand

Thank you

Contact this candidate