Manager
HARSHOTI ASSOCIATES
مجموع سنوات الخبرة :21 years, 5 أشهر
Manager (Collections & Strategy)
Managing Collections, Pre-NPA follow ups, MIS Reporting, Managing HNI Customer Portfolios,
Vendor Management, Team Management, Updating Payments & Other Banking Operations.
1. Creating & Managing the credit profiles of all the Corporate as well as individual Customers worth millions of OMR and preparing files for further approval by Management.
2. Managing & Monitoring the revenue & Overdue collection procedures through a team of Collection executives and ensuring the smooth functioning of Collections. Analyzing Ageing of Debtors and taking appropriate action and consistently achieving Targets.
3. Conducting financial research & analysis, KYC Analysis and preparing reports using Qualitative & Quantitative methods on selected corporate and Other companies to mitigate various risks and prepare presentations for use at meetings. Identifying Red Flags and reporting.
4. Forecasting & Monitoring Cash Flow Statements and Analyzing Financial Statements for Internal & Back to Back Finance deals. Fund Raising/Managing Working Capital through Invoice Discounting, Cheque Discounting, Asset Refinancing, LC Processing and discounting. Handling Vendors and Managing Payables.
5. Initiating and ensuring the timely deposition and monitoring proper accounting of the Cheques and cash collected from the customers. Obtaining Balance Confirmations and Reconciling Customer Accounts.
6. Liaising with the officials of the Banks, Financial Institutions, Corporates and individuals for documentation and other procedures regarding high value Equipment Deals.
7. Initiating, Managing and Monitoring the Legal Procedures against the defaulters and updating the status to the Management.
8. Managing and approving the Credit requirements of all the Customers for spare parts & service through the Credit Management System as per their creditworthiness. Assessing Risk using various modes available.
9. Assisting Senior Management in administrative and other important matters related to Credit/Collection Management by weekly & Monthly Reporting.
10. Developing and implementing policies that ensure company’s assets and inventories are safe guarded. Initiating Insurance and periodic registration of the Fleet & Other Vehicles owned by the company. Initiating and following Contract & Visa renewals of the employees with the concerned authorities.
1. Heading overall operations of BillDesk Payment Services and Representing the Organization at Clearing House Gwalior. Responsible for adding Clients to company’s Portfolio and aiding Business Development.
2. Initiating, adding & interacting with the billers for the customer registration & billing data. Reconciling Bank Statements with Clearing House Statements.
3. Imparting training to bank officials regarding the technicalities of Electronic Clearing system, Payment Gateways & their operations.
4. Email Management to resolve the QRC (Query-Request-Complaint). Handle all modes of communication from customers and bankers (Letters, Emails, Phones, fax, walk-ins) to resolve issues regarding double debit/credit payments through Payment Gateway and ECS modes with concerned bankers.
5. Preparing ECS Returns and processing Late Returns for the participating Banks and maintaining MIS.
6. ECS Transaction Processing and distributing Debit & Credit Data to the bankers through Clearing House.
7. Managing and transferring Funds through various modes for all Billers through Bank Of Baroda Collection Accounts. MIS Maintenance & Reporting.
8. Preparing necessary Vouchers for getting Debit/Credit in resp. Biller’s A/c at Bank of Baroda.
9. Initiating and Ensuring ECS Mandate verifications of customers through a team of executives.
1. Credit appraisals of Loan Proposals of Salaried, Self Employed Professional & Self Employed Non Professional customers and getting their documentations and preparing files for further Sanction procedures.
2. Analysing Financial statements for debt evaluation and repaying capacity, Bank Statements for Cheque Bouncing & Repayment Track Records, Salary Slips and TDS Statements for checking Loan Eligibility.
3. Financial Evaluation as per the Credit Policy (FOIR, LTV) and the prescribed ROI’s, follow up for investigation Reports from Various Outsourced organizations viz. FI’s, RCU (Risk Containment Unit), Legal Reports, Technical Valuation Reports of Home Loans (Purchase & Construction), LAP & RTR (Working Capital Products), Balance Transfer (BT) from Other Banks & Financial Institutions. Following SOP’s, updating KPI’s of the statements appraised.
4. Initiating disbursement procedures and communicating the end status to the Customers. Collection and Verification of PDC’s/ECS Mandates for EMI deductions. Checking Data Duplicacy to avoid discrepancies.
5. Channel Management, MIS Maintenance, Assisting in Debt Collection as and when assigned the job and Reporting to the Regional Heads. Advising Customers about their Loans & Mortgages.
6. Meeting the targets and stick to deadlines set for the entire team as per the Policy fixed.
7. Dealing with different outsourced agencies like Legal, FI & RCU and getting their queries solved.
8. Assisting Credit Manager in PD with Customer. Explaining Loan Covenants to the Customers.
in BACK OFFICE OPERATIONS in a STOCK & SHARES BROKING and TRADING FIRM SILVER BELLS SHARECON PVT. LTD.
•Worked for a Stock Exchange Sub-Broker trading in stocks. Shares, Debentures, Bonds.
•Shares- Physical, Demat Shares. Online Trading including BSE, NSE Terminals.
•Supporting Customers regarding their investments and AUM balances.
•Giving comprehensive advice and supports in technical areas of investment trading.
•Full Knowledge of Back Office and Front office administration.