1. R.RAMESH
: 3, Ramaner Street, Chitlapakkam, Chennai-600064
: +91-9840543121; : rrameshpdkt@gmail.com
CREDIT & COLLECTIONMANAGEMENT PROFESSIONAL
Offering 24 Years of experience in NBFCs’ (Hire Purchase& Leasing)
PROFILE & STRENGTHS
Competent, diligent & result oriented professional, offering experience Business Development, Collection Management,
Recovery, Credit Loans, Customer Relationship Management, Team Management and Liaison & Coordination; currently
spearheading as Freelance Consultant.
Proactive professional with comprehensive and strategic understanding of formalities for ensuring timely recoveries/
collections; continuously achieved designated collection targets & reduced delinquency cases by increasing operational
efficiency.
Expertise in managingcollection operationsand implementingstrategies towards enhancingbusinessvolumes and growth as
well as analyzing & assessing revenue potential in new business opportunities
Solutions oriented approach with excellent relationship management skills, successfully and consistently delivering the
responsibilities of Revenue Generation, Profitability, Market Share and Customer Satisfaction.
Energetic, competitive achiever who can successfully managemultiple priorities,& perform under pressure in a fast-paced,
rapidly changing environment.
Core Competencies
Business Development Collection Management Accounting Matters Credit Loans Customer Relationship Management
Team Management Liaison & Coordination Effective Communication Skills Strong Interpersonal Skills
PROFESSIONAL EXPERIENCE
FREELANCE CONSULTANT (ACCOUNTS & INVESTMENTS) May 2014 – Till date
Rendering consultancy to the clients/customers regardingmatters pertainingto accounts,investments and financial matters.
Developing, monitoring and communicating performance against key success metrics while identifying and mitigating risks
associated with achieving the client's investment plans while monitoring stock's creditability & efficiency.
HEWLETT-PACKARD FINANCIAL SERVICES (INDIA) PVT LIMITED,BANGALORE&CHENNAI. May 2007-Apr 2014
(Through Team Lease Services Pvt Ltd. (May 07-April 09) / Spearhead Services Pvt. Ltd., Bangalore (May 09) – Consultant)
Customer Support Specialist
Looked after delinquent accounts & portfolio while controlling recovery operations for delinquent customer; pivotal in
handling fraud cases/defaulters/insolvent clients & taking appropriate legal actions.
Supervised default customers through regular collection of receivables and booking new contracts in system, processed
billings and accomplished targets set by the management and controlled external collection agencies.
Ensured business profitability and improving processes in customer contact and recovery techniques by augmenting
normalization & recovery rates.
Competently maintained highest standards of customer service giving preference to customer satisfaction & promptly
handling customers for collection of receivables classified on age basis.
Designed and implemented new processes into system thereby generating timely revenue recognition and providing quality
services to clients.
Recognized and awarded with “e-awards” for outstanding performance & “Wall of Fame Award” on bad debt recovery.
BANKS AND NON BANKING FINANCIAL COMPANIES Apr 2004-Apr 2007
Free Lancer DSA for Home Loans, Retail Asset Loans (CV & CE)
Identified and projected long term and short term working capital requirements of the customers; handled Pre and post
disbursement documentation formalities and disbursed loan after considering legal and technical aspects.
Evaluated creditworthiness of loan proposals;scrutinized documents and other customer credentials;assigned a creditlimit
based on the outcome of discussion and the documents submitted by the customer.
Ensured adherence to log-in time constraints and speedy verification of documents; nurtured healthy relationship with
customers by satisfying their queries and providing them advice as per their individual needs.
FIRST LEASING COMPANY OF INDIA LIMITED, CHENNAI.
Aug 1998-Mar 2004
Asst. Manager-Recovery
2. Developed a competitive business development strategy by identifying prospective clients & interacted with sales team,
uncovered/created new opportunities, finding dynamic and flexible solutions.
Played a pivotal rolein handlingmore than 200 receivableaccounts; maintained coordination and liaison with legal counsel
for filing suit and completed legal formalities.
Shouldered the responsibility of monthly preparing Asset Growth Report and Collection Report and submitted it to the
managing director for reviewing.
Successfully conducted performanceappraisals and counseling,efficiently monitored the performance of trainees, developed
and arranged training sessions to keep their skill level up to date.
FIDELITY FINANCE LIMITED, CHENNAI Jun 1993-Jul 1998
Executive-Business Development & Receivable Management
Involved in Direct Marketing of Financial products of the company, such as mobilization of Deposits, Leasing and Hire
Purchase finance (Commercial vehicle and car).
Branch in Charge - Pondicherry & Trichy – handled Deposit mobilization and fresh Hire Purchase business & recoveries.
S SHANKAR, CHARTERED ACCOUNTANT, PUDUKKOTTAI Sep 1990-Aug 1991
Accounts Assistant
ACADEMIC & PROFESSIONAL CREDENTIALS
Bachelor of Commerce
Bharathidasan University,Tiruchirapalli
Computer Proficiency
MicrosoftOffice, Internet Applications
Date of Birth: 15th July 1970
References: Available on request.