RAHUL TAWAR

Mobile: 999-***-****, 965*******

E-Mail: addl7p@r.postjobfree.com

Seeking senior level assignments in Operations /Banking/ Vendor Management/Process Management /Credit Administration / Risk Management / Collection Management / Customer Relationship Management with an organisation of repute

CAREER PRÉCIS

A result-oriented professional with proven success of nearly 17 years in Operations, Banking, Credit Administration, Risk Management, Collection Management, Process Management, and Customer Relationship Management in the Banking & Financial Service sectors.

Expertise in Banking/operations OPS/COPS/Credit

Proficient in Credit Administration involving Credit Appraisals, Verification of Documents, Sanction & Disbursement of Loans, delinquency analysis and providing decision for sanction and disbursement in order that commitment to customer on turn-around-time is met.

Acquired in-depth knowledge and expertise on Risk / Credit / Banking processes, compliance, client relationship management, process enhancements, etc.

Adroit at handling: Portfolio Management and Reducing Delinquencies.

Deft in monitoring collection processes to determine improvement opportunities.

A thorough professional with a proactive attitude, capable of thinking in and out of the box, generating new design solutions and ideas.

Possess excellent interpersonal, communication and organisational skills with proven abilities in team management, customer relationship management and planning.

ORGANISATIONAL SCAN

Aug-18 With Finplex Credit Technologies Private Limited. Delhi as A.V.P operations (Pan India)

July-17-Apr-18 with Home Credit India Finance Private Limited. Gurgaon as Sr. Manager operations (North/East)

Aug-11-May-17 with TVS Credit Company Ltd., Delhi as Operations manager of TW/Used Car/Top and Three-wheeler loans for entire North Location.

Feb’10- July-11 with Bussan Auto Finance Company Ltd., Delhi as Sr. Executive in T.W. loans

Jun’07 Feb'09 with Fullerton India Credit Company Ltd., Delhi as Credit Manager PL & T.W. Loans

Apr’03-Mar’06 with - I - Process - ICICI Bank Ltd. (C.P.A.), Delhi as MIS Manager

Key Deliverables.

Operations:

Handling day to day operations parts of Disbursement of B.L/T. W/Used car/Top up loans/Cash loan.

Empanelled all the vendors for pan India.

Hiring the team of operations for pan India.

Checking all the parameters of disbursement and authorize the same in software

Handling cop’s team of DDM checking /Emi clearing process/Presentation Re-Presentation etc.

Managing all the vendors for ex (courier/storage vendor/DDM presentation vendor etc.)

Co-ordinating with Banking team COPS for repayment/non repayment related issues done by sales team

Constant follow up for Femi clearance for each and every case

Handling NOC/NDC of customers via post as well as email also

Analysing the improvement sector discuss with Management and implemented the same

Publishing and maintain all types of MIS for ex: - FTR/Non FTR and Re-working

Managing customer service operations

Preparing MIS reports & other statements with a view to apprise management of process operations and assist in critical decision-making process.

Steering organisation wide risks with focus on assessing work processes, analysing business issues and suggesting ideas for improvement.

Credit Administration

Appraising proposals & scrutinizing relevant documents / reports before sanctioning / disbursing loans, ensuring compliance with organisational credit policies.

Assessing creditworthiness of clients and ensuring receipt of payments and recovery of bad debts and reducing the delinquency ratio.

Performing the function of recovery/follow-up from defaulters for credit control management.

Performing the functions of assessing creditworthiness of clients and taking adequate steps to ensure receipt of payments and recovery of debts.

Ensuring 100% documentation & approvals of the applications as company guidelines.

Monitoring FI Agency Department for the applicant verification & making decisions on the loan approval.

Looking after the performance of Bank Vendors Team pertaining to initiation of process till end (process dip testing to send to operations).

Risk Management

Framing guidelines for fraud control and checking segmentation of cases; briefing risk about dangerous segment of sourcing.

Undertaking non-starter updates for credit; identifying, analysing, mitigating, controlling and monitoring risks arising by funding of certain profiles.

Scanning documents to avoid frauds and skips by minimizing the losses. Conducting review of outsourced agency on quarterly basis and maintaining delinquency data for cases with 90 days due.

Collection Management / Recovery

Reviewing delinquent accounts & portfolio to control recovery operations for delinquent customer & proper documentation.

Handling high value fraud cases / defaulters / insolvent clients & initiating appropriate legal actions.

Managing the process of settlement ensuring approval for all settlement accounts are taken, maintaining settlement tracker, and reversing the charges after the settlement is complete.

Enhancing normalization & recovery rates to ensure continued profitability of business and improving processes to ensure efficiency in customer contact and recovery techniques.

Customer Relationship Management

Supervising customer service operations for rendering and achieving quality services.

Providing first line customer support by answering queries & resolving their issues, ensuring minimum TAT. Maintaining cordial relations with customers to sustain the profitability of the business.

Handling customer grievances and resolving issues.

Team Management

Leading, mentoring & monitoring the performance of the team members to ensure efficiency in process operations and meeting of individual & group targets.

Creating and sustaining a dynamic environment that fosters development opportunities and motivates high performance amongst Team members.

Awards & Recognition:

E-Rewards for customer satisfaction.

2 times ICON Award winner as best employee in TVSCS.

Authorize as ISO/Internal auditor in TVSCS.

ACADEMIA

Masters of Business Administration (Finance) in 2005,

Indraprastha Technological University (MIMT Affiliated by I.A.S.E.)

Bachelors in Arts (Pass) in 2001,

Delhi University (Correspondence)

IT Skills: Diploma in Basic Knowledge of Computers

PERSONAL DOSSIER

Date of Birth : 17h April, 1981

Address : H. No. J-38, 3rd Floor, West Patel Nagar, New Delhi-110008

Contact this candidate