Credit & Collection Head - Senior Manager
Vodafone Mobile Services Ltd
مجموع سنوات الخبرة :30 years, 6 أشهر
Handling Entire Credit & Collections Portfolio for Kerala Circle.
360 Degree management of Customer Life Cycle operations including Verification, Billing, Call Center operations, Churn, Retentions, Collections, Bad debt management, Recovery, & Legal process.
Monitoring the performance of the team members resulting in achieving the individual and group targets
Ensure training to the agencies and in-house team to implement the audit norms and policies according to the Telecom/ Banking Industry guidelines
Spearheading the legal formalities & compliance of all products
Driving initiatives for identifying the trigger points of fraud and controlling them for maintaining the quality of portfolio.
Coordinating with cross-functional departments
Reviewing existing systems & procedures for higher operational efficiency and Cost reduction, and timely audit of all critical parameters as per policy.
Designing & implementing collection strategy and recovery strategies in case of payment defaults.
Managing high value fraud cases / defaulters / insolvent clients and initiating appropriate legal actions against them.
Ensuring all applicable laws and statutory requirements are followed and adhered to pertaining to credit, collections and reporting.
Developing effective relationship with Corporate and HNI clients and ensuring customer delight for business growth; maximizing customer satisfaction by providing prompt & superior customer support.
North Zone for Calicut & Malappuram
Key Responsibilities
o Reporting to Customer Service Delivery Head - North Zone
o Handling Collection and retention of Customer base of Calicut and Malappuram.
o Resolution of customer issues.
o Handling altogether 17 Connects (Franchisees)
o Handling a team of 40 Collection/ Retention Executives
Collections for Kerala State
Key Responsibilities
Reporting to National Collection Head, Chennai.
Handling the entire Credit, Collection and Legal activities for Kerala state.
Implemented Legal activities in Collection Process, like referring cases to Legal Adalat, Conducting conciliation, execution of warrant by hand etc….
Identifying / appointing Collection agencies across Kerala for outer bucket / write off Collections.
Handling Collection through On Roll Employees and thru Collection agencies, across Kerala.
Skip Tracing and Salvage Collection (Write-off) through separate agency across Kerala,
Coordinating with Local Police officials as and when required.
Handling Credit Verification of new proposals on a case to case basis to ensure collection comfort.
Handling Repossession agencies across Kerala.
Coordinating all legal related issues across Kerala.
Coordinating Criminal cases against Cheque Bounce on a case to case basis, apart from centralized filing
Key Responsibilities
Reporting to the Sales Manager, Ernakulam.
Complete in charge of the Sales team in Calicut.
In charge of two franchise, in Calicut
Handling a team of 35 to 40 Executives.
Supporting the franchisee and guiding the team and help them to achieve the sales figure.
Responsible for the Quality as well as Quantity of Applications sourced.
Verification of Applications as to whether they are in compliance with the norms and policies of the bank
Training the Sales Team
Key Responsibilities
Reporting to Branch Head, Calicut.
Responsible for the entire coordination of branch administration.
Allocation of work between the branch team.
Coordination of the Legal issues of the branch.
Handling customer related issues. Interaction with Head Office and Regional Office Sending Monthly Sales MIS to Regional Office.
Interaction/correspondence with Dealers, Insurance companies and Head office in connection with customer related issues.
Overall monitoring of the whole branch team for carrying out the branch administration smoothly.
Internal checking of Branch and Franchisee location offices as to compliance of policies of the company and adherence to norms circulated from time to time
Practiced as an
(Operations)
Key Responsibilities
• Complete in charge of branch administration, collection, branch operations, banking and all branch related matters.
Interaction with customers and handling customer related issues.
Work allocation between the staffs.
In charge of collection follow-up,
Correspondence with Head office, dealers, Insurance companies, Bank, RTO, etc.
Execution of HP/ Lease agreement and back end verification of the documents as per policy before forwarding the same to Head office for payment processing.
After Completing the Diploma In Computer Software Application course from Datapro Info Tech Calicut, -selected as
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