MS Office
V. Gunasekar
Collection Manager
Vellore
Summary
Experienced with managing collection operations and leading teams to improve debt recovery processes. Utilizes negotiation techniques and conflict resolution skills to maximize recovery rates. Track record of enhancing efficiency and achieving favorable outcomes for clients.
Overview
10
10
years of professional experience
4030
4030
years of post-secondary education
1
1
Certification
3
3
Languages
Work History
COLLECTION MANAGER
UGRO CAPITAL LIMITED
Chennai, India
04.2024 - Current
- Handling entire TN portfolio for supply chain collection
- Handling portfolio book size 40 Cr.
- Implemented process improvements that increased team morale while maintaining a high level of professionalism within the department.
- Leveraged advanced data analysis tools to identify trends in payment behavior, enabling informed decision-making for future collections efforts.
- Worked closely with legal counsel to pursue necessary actions against non-compliant debtors, ensuring company interests were protected at all times.
- Negotiated settlements with customers experiencing financial difficulty, preventing potential litigation costs and preserving client relationships.
- Customer support like Reconciliation and Rebilling and penal interest calculation.
- Maintained accurate records of all collection activities, providing transparency to stakeholders and senior management.
- Facilitated cross-functional initiatives aimed at improving internal communication between collections, sales, and finance departments.
- Managed a diverse portfolio of accounts, ensuring timely collections and minimizing losses.
- Streamlined the collections process, reducing time spent on manual tasks and increasing overall productivity.
- Improved customer relationships through effective negotiation and conflict resolution techniques.
- Reduced delinquency rates through vigilant monitoring and proactive communication with clients.
CLUSTER COLLECTION MANAGER
Hinduja Housing Finance ltd
01.2022 - Current
- Handling collection portfolio of home loan & Lap
- Achieve Consistency in collection efficiency
- Handling Portfolio with book size 73 crs
- Develop strong agency network and personal visits on chronic cases
- Manage and deliver optimum performance in terms of roll backs, resolution and optimum utilization of field resources to increase efficiencies on the assigned portfolio
- Team size is 15 CO with 4 districts
- Strategies for inventory Control for reducing opening balance of portfolio using the roll back & normalization concepts
- NPA cases direct visit with local CO and convent the payment or approach the legal process
- Collection Review with Collection executives on daily basis with DRR report
Collection officer (Assistant-Manager)
TVS credit finance service ltd
12.2018 - 01.2022
- Handling collection portfolio of MSME-Channel finance
- Handling collection portfolio of MSME (retail), LAP/MTL/WC/BTL
- Achieve Consistency in collection efficiency
- Handling a portfolio with book size of 20Crs
- Develop strong agency network and personal visits on chronic cases
- Manage and deliver optimum performance in terms of roll backs, resolution and optimum utilization of field resources to increase efficiencies on the assigned portfolio
- Strategies for inventory Control for reducing opening balance of portfolio using the roll back & normalization concepts
- Collection Review with Collection executives on weekly basis
- Achievements: Star of the month award
Collection officer
Ujjivan small finance bank
05.2017 - 12.2018
- Handling collection portfolio of PL, Group loan & Housing loan
- Achieve Consistency in collection efficiency
- Handing a portfolio with book size of 80Laks & 300+ contracts
- Bucket size 30 and above NPA
- Manage and deliver optimum performance in terms of roll backs, resolution and optimum utilization of field resources to increase efficiencies on the assigned portfolio
- Strategies for inventory Control for reducing opening balance of portfolio using the roll back & normalization concepts
- Recommending High DPD accounts to Legal process
- Settlements & Closures to be tracked and its closure on system
Collection Executive
Daimler finance India Pvt ltd
04.2015 - 04.2017
- Handling collection Portfolio of Commercial vehicle
- Achieve Consistency in collection efficiency
- Handling a portfolio with book size of 2Crs
- Bucket size 30 and above NPA
- Strategic planning in bifurcating the accounts DPD wise and initiating appropriate recovery process
- Ensuring marking of fraud, death, Repo & release in web collections within the TAT
- Settlements & Closures to be tracked and its closure on system
- Ensuring feedbacks (Contract history) for all delinquent cases from all agencies and validating the same before uploading in web collections
Education
Diploma - Mechanical Engineering
Sri Si
04-2012
BBA - undefined
DRA Certification -
Nnn
Skills
Analytical knowledge in customer profiles
Relationship building and management
Competitor functioning
Implementation of various channels in recovery process
Target achievement
Industry experience in South Zone
Weekly and Monthly planners
Multitasking Abilities
Teamwork and collaboration
Legal compliance awareness
Debt recovery expertise
Goal oriented approach
Personal Information
Date of Birth: 07/27/94
Softwareacquaintance
MS Office
Software
Certification
DRA -Debit Recovery Agent
Timeline
COLLECTION MANAGER
UGRO CAPITAL LIMITED
04.2024 - Current
CLUSTER COLLECTION MANAGER
Hinduja Housing Finance ltd
01.2022 - Current
Collection officer (Assistant-Manager)
TVS credit finance service ltd
12.2018 - 01.2022
DRA -Debit Recovery Agent
09-2017
Collection officer
Ujjivan small finance bank
05.2017 - 12.2018
Collection Executive
Daimler finance India Pvt ltd
04.2015 - 04.2017
BBA - undefined
Diploma - Mechanical Engineering
Sri Si
DRA Certification -
Nnn