Chenju ماهيندرا, Credit & Collection Head - Senior Manager

Chenju ماهيندرا

Credit & Collection Head - Senior Manager

Vodafone Mobile Services Ltd

البلد
الهند
التعليم
بكالوريوس,
الخبرات
30 years, 6 أشهر

مشاركة سيرتي الذاتية

حظر المستخدم


الخبرة العملية

مجموع سنوات الخبرة :30 years, 6 أشهر

Credit & Collection Head - Senior Manager في Vodafone Mobile Services Ltd
  • الهند - كيرالا
  • أشغل هذه الوظيفة منذ يونيو 2006

 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.

Customer Relations Manager في Bharti Airtel Ltd
  • الإمارات العربية المتحدة
  • يناير 2006 إلى يونيو 2006

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

Jr. Manager في GMAC Financial Services India Ltd
  • مايو 2005 إلى يناير 2006

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

Unit Manager في ICICI Bank Credit Cards
  • الهند
  • نوفمبر 2003 إلى مايو 2005

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

Branch Coordinator في Cholamandalam Investments & Finance Company Ltd
  • الهند
  • أكتوبر 2002 إلى أكتوبر 2003

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

Advocate
  • يونيو 1998 إلى أكتوبر 2002

Practiced as an

Branch Backend في Dugar Finance India Ltd
  • الهند
  • مايو 1994 إلى يونيو 1998

(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.

Technical Assistant في Datapro Info Tech
  • الهند
  • ديسمبر 1993 إلى مايو 1994

After Completing the Diploma In Computer Software Application course from Datapro Info Tech Calicut, -selected as

الخلفية التعليمية

بكالوريوس,
  • في Govt. Law CollegeCalicut University
  • يناير 1998

from

بكالوريوس, Physics
  • في Farook CollegeCalicut University
  • يناير 1993

(

بكالوريوس, Computer Software Application
  • في Datapro Info Tech Calicu
  • يناير 1993

in

ماجستير, Marketing
  • في Vinayaka Mission Deemed University

(

Specialties & Skills

Computer Operations
Collections Management
Credit Evaluation
Legal Services
Operations Experience
BANKING
HEWLETT PACKARD
INSTRUCTION
INSURANCE
MICROSOFT OFFICE
POLICY ANALYSIS
QUALITY
REPORTS

اللغات

الانجليزية
متمرّس
الهندية
متمرّس