Restructure Coordinator
National Bank of Ras Al Khaimah
Total years of experience :13 years, 8 Months
o Streamline and initial appraisal of loan accounts for restrucuture proposal on the basis of delinquency bucket.
o Contacting customers regarding the proposal and making them understand the terms and conditions.
o General analysis of the financial status of the loan accounts and preparation of report.
o Co-ordination with the field visit officers regarding business functionalities of the companies.
o Preparation of reschedule proposal and forms.
o Contact point verification for the restrucuture proposal accounts.
o Obtaining necessary approval from the concern department and delegate for the restructure proposal.
o Liaison with Credit team pertaining to loan restrucuture proposal and to solve the discrepancy if any in the case.
o Co-ordinating with the operations team with regards to the disbursement and settlement of the restructure accounts.
o Responsible for retrival and bouncing of security cheque of default and non-cooperative clients.
o Negotiation & preparing settlement agreements for defaulters .
o Monitoring the call trails of individual collectors and make them aware of the collection guidelines and polices.
o Cross checking of possible skip clients and reporting the same
o Contacting signatories of primitive loan accounts and make them aware of the due date.
o Responsible for Identifying, Marketing & Booking, new borrowing relationships for Business Banking (SME) o Develop and maintain strong working relations with clients at key levels to optimize the utilization of approved facilities. o Implement and maintain complete control aspects i.e. financial analysis of statements of accounts, documentation, and client visits call reports.
o Building a strong database of prospective customers through references, which helps in meeting the targets and building up a goodwill with the customers. o Doing cold calls, campaigns activities and generating leads.
o Interviewing the existing customers and convey them the value added services being introduced day by day by the company and getting enrolled for the same.
o Cross selling of Auto Finance, Payroll, personal loan and trade facilities.
Company: FUTURE FINANCIAL SERVICESS LIMITED., BANGALORE
Duration: From July 2011- Dec 2012
Role: Assistant Manager- Business Process
Key Responsibilities include
1. Business Process Management
a. Analyzing existing operational processes and designing process re-engineering to meet industry standards.
b. Implementation of new/changed processes in field across 3 States engaging a team of 10
c. Mapping and validation of operational areas to census villages.
d. Identification of Design & Implementation Level Gaps in Field Operations.
e. Route optimization for due collection activity for credit officers.
f. Improvements of existing products.
g. Understanding difficulties of the field staff at the Process Level.
2. Risk Management
a. Designed and implemented the policies and process for entire workflow for “Centralized Back Office”
b. Integrated Credit Bureaus, Tele-calling with Credit Appraisal process.
c. Monitoring Credit Back Office Processes
d. Liaison with industry standards.
3. Reporting & Relations
a. Business relations and Reporting to various regulatory microfinance networks: MIX Market, MFTransparency, MFIN, Sa-dhan.
b. Documentation and Standardization of Internal communication
Supervising a team of 16 members which include Engineers, Elecricians, Fitters and Welders for operation and maintenance of CVI/CVD (chemical vapour infiltration/carbon vapour deposition) facility high temperature vacuum furnace for the production of CARBON BRAKE DISK used in Airforce and Navy jet planes, ENEC CONE for latest missiles, CARBON NANO TUBES at Carbon-Carbon division, Advanced System Laboratory, RCI (DRDO), Hyderabad.
Programmable Logical Controller, SCADA Training
Masters in Business Administration. Specialization : Operations Management and Finance
Kumaraguru college of technology Period (2002-2006)
Period :2000-2002
Year of Passing :2000
