Portfolio Management

VINOD KUMAR K.P

Dubai, UAE

Mob - 0557816677

Email Id: vinaar79@gmail.com

CAREER OBJECTIVE

Seeking a responsible and challenging position in a growth oriented progressive Institution where my experience and skills will significantly contribute to the overall success of the organization and provide opportunities for my career growth.

WORK EXPERIENCE

Collection Manager – ABC Collect

October 2013 – Till now

1. Handling portfolio of ENBD,EIB &ETISALAT

2. Managing team of 20 tele-callers and 3 team leaders.

3. Responsible for allocation of cases/accounts of delinquent customers.

4. Preparing daily team reports through Management information system (MIS) and submitting to the CEO.

5. Conducting training and up-skilling of members of the team as deemed necessary.

Handling customer disputes with professional and highly qualified manner.

6. Preparing settlement payment plan (SPP’s) for discounted settlements and getting approval from the concern bank.

7. Follow up on suspense account payments made by team members.

8. Preparing and arranging loan re- scheduling and Payment plans for customers.

9. Managing team queries on daily basis and being the main point of contact between line Manager and team members.

10. Making sure provision and recovery targets were being met and constant efforts were made to over achieve set assigned targets.

Agency Supervisor -Barclays Bank Collections (UAE)

November 2011 – December 2012

1. Working as an Agency supervisor

2. Handling write-off portfolio cards and loans

3. Handling two international agency and one local agency

4. Daily monitoring of agency collections and responsible for proper and timely updating and banking of the same

Agency Manager – ADCB (Royal Bank of Scotland) (UAE)

March 2009 –October 2011

1. In recognition of the trust worthy performance in the Cards division was provided the cross product opportunity on Personal loans Collection.
2. Close monitoring of collections agency ensuring rigorous and timely follow ups of delinquent a/c’s are done as per business guidelines.
3. Daily performance been tracked through periodical reviews with agency supervisor.
4. Contributed to the achievement of the NCL target by achieving the target which helped in reducing the delinquency of the portfolio.
5. Handling the Personal loans / PDCs for End bucket 4 & 5.

Agency Manager - Citi Global Services Ltd (former e-serve international)

Nov 2007 - December 2008

1 Working as an Agency Manager (Area Support Officer).

2 Handling credit cards in Trivandrum region.

3 Handling walk-in customers with collection issues.

4 On achieved the assigned the collection targets by cracking 90% of the allocated cases within the stipulated time period.

5 Training the agency executives on monthly basis on effective collection techniques to enhance productivity and to met target.

6 Managing a team of 20 executives and 2 Team leaders.

7 Reporting to 1 Supervisor and the Unit Head.

8 Daily monitoring of agency collections and responsible for proper and timely updation and banking of the same

9 All audit requirements met month to month with no loopholes in collection and posting process.

India Bulls Credit Services Ltd Mar 2007 – Oct 2007

1 Worked as Officer – Collections & Risk.

2 Monitored the collection portfolio of Personal Loans in region of Trivandrum.

3 Managing a team of 15 Executives reporting into me.

4 Training the In house executives on monthly basis on effective collection techniques to enhance productivity and to meet target.

5 Handling walk-in customers with collection issues

6 On achieved the assigned the collection targets by cracking 90% of the allocated cases within the stipulated time period.

7 Allocating and reviewing cases to in house collection executives.

8 Review daily performance with the team and the Centre Manager .

9 Effectively closing all service related issues so as to enhance collections.

10 Hand holed the fraud investigation agency and devised new methods of fraud investigation, ensuring the quality of the portfolio is maintained.

11 Managing TAT‘s and quality fraud control and verification.

Officer – HDFC Credit Cards (Trivandrum and Kollam) Sep 2005 – Mar 2007.

Job Includes

· Managing certain portfolio’s of capital market of Kerala (Trivandrum & Spoke locations)

· Ensure Quality Collection Process by avoiding False Promises, MIS -Information etc to the customer.

· Ensure Service Delivery & TAT

· Accountable for achieving given Targets in each Bucket and responsible for flow to the next bucket

Portfolio Management

· Dynamically managing the Product Portfolio for the area in terms of product mix and revenue generation.

· Monitoring the Customer Profile being sourced and controlling delinquency.

· Customer Life Cycle Management for maximizing card usage & activation and Minimization of NUNP

Achievements

· Achieved 97 % in inflows on August 2006 and keeping company target 100%

· Having an average of 92.13% during the fin year 2005-06

· Bringing Targets set by immediate boss.

· In charge of Recruitment of Dedicated resources in agency level, their training and salary fixation.

· Was rated as a significant contributor during the annual performance appraisal.

HDFC Bank Ltd December 04 – August 2005

V K Associates

Service provider for Hdfc Bank Retail Assets Credit Risk

Job Profile

Was started as a verification executive for Auto loans and later promoted as an in charge for Entire auto loans sections with in a short span of time. Managed 12 field staff and 2 operational executives.

Directly reporting to the Credit manager of the bank and got goods stokes for keeping TAT

SBI CREDIT CARDS December 02 – November 04

Designation: Field Executive

R .K CONSULTANTS

Service Provider for SBI credit cards Trivandrum & Cochin

· Responsible for collecting due payments from credit card customers.

· Accountable for achieving targets consistently.

· Promoted as Team Leader in the month of June 2004.

· Reporting to Bucket Manager.

EDUCATIONAL QUALIFICATIONS

Date: 2016-01-14; view: 786