Jayaprakash Sivakumar
Associate General Manager
Thiruvidaimarudur
Summary
Talented Manager with expert team leadership, planning, and organizational skills built during successful career. Smoothly equip employees to independently handle daily functions and meet customer needs. Diligent trainer and mentor with exceptional management abilities and results-driven approach.
Overview
14
14
years of professional experience
7
7
years of post-secondary education
4
4
Certifications
2
2
Languages
Work History
AREA CREDIT AND OPERATION MANAGER
Cholamandalam Investment & Finance Company
07.2022 - Current
- Underwriting Business loans, Doctors loan and Personal loans.
- Maintaining good portfolio with quality of business.
- Customer verification on field with reference check.
- Managed and motivated employees to be productive and engaged in work.
- Accomplished multiple tasks within established timeframes.
- Maximized performance by monitoring daily activities and mentoring team members.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
Area Manager Collections - SME Loans
BAJAJ FINANCE LTD
01.2016 - 06.2022
- Currently Handling SME Bucket X collections and Maintaining good portfolio above 99%.
- Handling SME Underwriting for Secured and Unsecured Business Loans.
- In Credit, Handled Kumbakonam, Jeyankondam, Mayiladuthurai, Thiruvarur, Nagapattinam and Vedaranyam.
- Having approval Authority of Rs 21.0- lakhs, Managing Portfolio size of Rs 20 Crs with Average Business of Rs 2 Crs per month.
- Functional Area of Work are Implementation of Credit policy and continuous evaluation to ensure adherence to the policy and Credit appraisal for PSBL and LAP Files for the locations.
- Underwriting average of 45 files per month.
- Keeping delinquency under control maintaining portfolio health of 98 percent for past 2 years.
- Providing Market Research and Feedback for new product launch Feedback on credit policy based on market condition.
- Achiever of Striker Award for the Financial year 2016 and 2019.
- From 02-01-2016 to 02-07-2017, worked as a Gold Loan assayer. Handling Gold products and PL Cross sell Products.
CUSTOMER CARE EXCUTIVE
INDIA INFOLINE FINANCE LTD (IIFL)
07.2014 - 12.2015
CUSTOMER SERVICE EXCUTIVE
MUTHOOT FINCROP LTD
10.2011 - 03.2012
Education
M.B.A - Finance
IIPM (MGU)
01.2012 - 01.2014
B.Sc. - CCS
SASTRA University
01.2008 - 01.2011
HSC - undefined
Sri K.G.S Hr. Sec. School
01.2007 - 01.2008
SSLC - undefined
Little Flower Hr. Sec. School
01.2005 - 01.2006
Skills
Team leadership
Marketing
Customer service
Business development and Business Planning
Sales management
Certification
BENCHMARK 6IX SIGMA certified Green Belt in 'LEAN SIX SIGMA'
Personal Traits
- Good team player with positive attitude
- Smart presentation and communication skills
- Strong motivation to learn and grow
Home Town
Thiruvidaimaruthur - Thanjavur (DT)
Working Location
Kumbakonam
Disclaimer
I do hereby declare that the information furnished above is true and correct to the best of my knowledge.
Personal Information
- Father's Name: G. Sivakumar
- Mother's Name: S. Shanthi
- Spouse Name: S Sushmitha
- Date of Birth: 13/06/1990
- Nationality: Indian
- Marital Status: Married
Timeline
AREA CREDIT AND OPERATION MANAGER
Cholamandalam Investment & Finance Company
07.2022 - Current
Area Manager Collections - SME Loans
BAJAJ FINANCE LTD
01.2016 - 06.2022
CUSTOMER CARE EXCUTIVE
INDIA INFOLINE FINANCE LTD (IIFL)
07.2014 - 12.2015
M.B.A - Finance
IIPM (MGU)
01.2012 - 01.2014
CUSTOMER SERVICE EXCUTIVE
MUTHOOT FINCROP LTD
10.2011 - 03.2012
B.Sc. - CCS
SASTRA University
01.2008 - 01.2011
HSC - undefined
Sri K.G.S Hr. Sec. School
01.2007 - 01.2008
SSLC - undefined
Little Flower Hr. Sec. School
01.2005 - 01.2006
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