Regional Control Head
citifinancial
Total years of experience :22 years, 5 months
Business Unit Compliance Officer for Collection Unit.
Handling Operational Risk & Control for Collection processes.
Handling a Call centre for Transaction Monitoring for Collection Control India.
Handling Receipt Book Audit & Control for PAN India.
Handling Collection Agency Audits for Collection Control unit.
Responsible for performing key self assessments, testing internal controls and ensuring compliance of various Citigroup policies.
Responsible for centralizing the payment control process with enhanced controls.
Supervising outbound call center for customer life cycle and & response management process.
Monitoring Operational performance of partner to achieve optimum output, Quality and productivity as per service delivery standards.
Oversight of Risk Management Program and governance of Key Internal Controls with tracking of Open Issue closures.
Managing team of 25 Underwriters and 70 Non FTE for Personal Loan product, handling volumes from 45 branches under the centralized process.
Proficient in Credit Administration (pre & post sanction) 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.
Successfully implemented Centralized underwriting process for North Hub, transforming the credit processing structure from de-centralized mode to centralized mode using the queue model with controls at all levels of processing.
Non starters and delinquencies brought under control by regular monitoring and training of the branches and credit underwriters.
Achieved reduction of error rates and ensured error free (Zero Errors) underwriting for the region.
Ensuring optimal Productivity levels for underwriting team.
Vendor management (CPV and Manpower) ensuring active vendors on board and rationalization of vendor costing, billing and NOC tracking.
Part of internal audit team which cleared regional annual audit (ARR) for Personal loans underwriting process.
Formulating and implementation of sales strategies to increase sales
Competition Mapping (Monitoring Competitors merchandise, prices, customers & opportunities)
Business development and client relationship management for Personal loan division in the region and developing and maintaining client database.
Implementing competent business strategies to market the product & achieve sales and profit targets.
Hyderabad Collection for all Products and Responsible for delinquency and NCL numbers.
Managed Agencies and Tele-collections across buckets and also set up recovery process for written off portfolio.
Allocating cases to agencies, ensuring timely receivable of reports from these agencies. Optimizing and supervising the agency billings.
Delinquency trend and analysis of portfolio, Keeping track of Infant and Non starters, Increasing penal collection.
Established skip tracing agency and delivered results.
Maintaining AHFS Stock, Valuations, Sale Proceeds and Agency billing for all agencies, Receipt book audit, and Stockyard audit.
Set up Tele-collection unit for Hyderabad branches for soft collection and bounce calling which got replicated for Andhra Pradesh
Responsible for launching “Suvidha Corporate Solutions” in Hyderabad, and Business development
For Current and Saving Accounts
Corporate client servicing and relationship management
Opportunity identification and lead generation for Investments and Insurance products
MBA (Finance and Marketing) from ICFAI Business School, Hyderabad, Andhra Pradesh, India, in 2002 - CGPA - 7.76/10 Cleared group Alpha & Beta of CFA (Chartered Financial Analyst) from ICFAI Hyderabad.