Sales Representative
Capital Group
Total years of experience :11 years, 10 Months
Sales Representative
Capital Group
(Bahrain) Since June '10
Nature of Work:-
❖ Presenting a Very High End and Luxurious Furniture's Collections in Bahrain.
❖ Physical interact with a Very High Profile, Corporate and all kind of peoples in Bahrain.
❖ Maintaining company goodwill in market.
❖ Providing a very good service to our customers and with a best knowledge about a very High End Furniture's.
❖ Helping customers to get a correct design and colors what they are looking for.
❖ Follow-up with the customers to get the best they want.
❖ Finalizing alone with a customers.
Supervisor
Makati construction
(Bahrain) April '10 till June '10
Nature of Work: -
❖ Have to take proper work from Mason and Labor.
❖ Have to complete customer requirement.
Debt Collection Manager
HDFC BANK LTD
(Mumbai - India) Aug '2006 to April '2010
Nature of Work: -
Collections:
❖ Handling collections of Auto Loans for Mumbai.
❖ Handling the portfolio of Rs 51 Crs (US $12, 750, 000) 1 of live book size.
❖ Managing the team of 1 Assistant manager, 3 Agencies, 24 agency field executives & 6 In-house Tele-calling Executive.
❖ Reducing NPA (Non-Performing Asset) for a given area to reconcile with the preset figure in each month.
❖ Coordinating and managing the team members for the collection and target figures on daily basis.
❖ Undertaking field visits to meet high value customers for collections.
❖ Fixing targets for the team based on MIS / Summary Report.
❖ Generating & Maintaining MIS Reports pertaining to process delinquency/NPA Movement / recoveries/ variances / corrective actions & presenting the same to the management for facilitating decision making.
Legal Activities:
❖ Actively pursuing with In house Legal Department to initiate Legal Proceedings as mentioned below.
❖ Filing Sec. 138: Sending notices to the customer, coordinating with Legal department for sending court summon, execution of Bailable & Non Bailable warrants through local police station etc.
❖ Coordinating with legal department & advocates for criminal complaints & civil suits.
Active Co-ordination with Credit, Sales, Operations & RIC:
❖ Supervise Field Investigation activities with a view to obtain accurate information to assess the creditworthiness of the clients in selected cases.
❖ Monthly review of meeting / regular coordination with Credit and Sales department with regards to Non-starter cases, Service issues & Problematic cases.
❖ Assessing creditworthiness of prospective customers with ACM (Area Credit Manager) regarding Sanctions of Proposals and Co-ordination with customers for required inputs in selected high profile cases.
❖ Coordination with Operations Department for PDC Swapping, Foreclosures, Reschedulment of the accounts.
Process Management:
❖ Receipts reconciliation
❖ Agency identity cards issuance
❖ Trail uploads
❖ Liquidation of open entries in General Receipt account
❖ Ensure availability of agency empanelment kits in the central office
❖ Agency scorecards issued to agencies
❖ Agency target sheets with agencies
Client Relationship Management:
❖ Building and maintaining healthy business relations with high net worth and corporate clients, ensuring high customer satisfaction matrices by achieving delivery & service quality norms.
❖ Following up with clients with activities like Complaint resolution, Query / Instruction pre-processing, Suggest opportunities for improving work-flow.
❖ Visiting cronic / high profile customers and understanding their financial problem and reason for delinquency and making them understand importance of paying their EMI's
People Management:
❖ Drive the team to deliver the desired results.
❖ Provide direction, motivation to the team members for ensuring optimum performance.
❖ Responsible for mentoring & training personnel to deliver quality services.
Agency Management:
❖ Identification & Empanelment of Agencies & Allocation of cases to the Agencies not later than 2nd of every month.
❖ Rolling out of agency daily/weekly/monthly targets
❖ Sending out Performance Report Cards
❖ Monitoring agency/executives performance on a daily basis
❖ Process & Compliance implementation and adherence at the agencies
❖ Ongoing Agency training & ensuring that the Field Executives have DRA certification
❖ Ensure that the agency follows the Code of Conduct laid down ❖ Agency Billing Validation
Manager
Finance Investigation Agency
(Mumbai - India) May '2002 to July '2006
Nature of Work:-
❖ Handling collections of Auto Loans, Used Car Loans, Used Car Refinance Loans, Write-off Cases, Two Wheelers Loans, for Mumbai.
❖ Handling the portfolio of Rs 65 Crores (US $16, 250, 000)
❖ Handling portfolio of HDFC BANK LTD, ICICI BANK LTD, CITI FINANCE AND MAHINDRA FINANCE.
❖ Managing the team of 1 Team Leader, 35 field executives & 3 In-house Tele-calling Executive.
❖ Coordinating and managing the team members for the collection and target figures on daily basis.
❖ Tracking down loans holder which are skip.
❖ Undertaking field visits to meet Chronic / high value customers and understanding their financial problem and reason for delinquency and making them understand importance of paying their EMI's.
❖ Fixing targets for the team based on Allocation.
❖ Generating & Maintaining Daily Collection Report/NPA Movement / recoveries/ variances.
❖ Coordinating with Bank Collection Manager & Bank Legal department for sending court summon, execution of Bailable & Non Bailable warrants through local police station etc.
❖ Handling Local Police Station for support.
❖ Target sheets for Field Executives.
❖ Following Bank Code of Conduct.
❖ Building and maintaining healthy business relations with all net worth and corporate clients.
❖ Drive the team to deliver the desired results..
Accountant
L'Oreal India Pvt Ltd.
(Mumbai - India)
Nature of Works: June '2001 to April '2002
❖ Handling Financial Accounts through Software FACTS and SAP
❖ Handling Vendor Payments.
❖ Keeping Track on monthly expenses and making provision for same.
❖ Preparation of Service Tax files on monthly basis and forwarding it to Management.
❖ Disbursing cash to Employee and maintaining records for same.
❖ Maintaining records of Foreign Exchange and Other Advances to Employee and getting it settle within specified time period.
❖ Reconciling with vendor on Quarterly basis.
❖ Handling Bank Reconciliation and Debit and Credit note of Inter Region
Tele Marketing Executive
Reliance Infocomm (Delta Services Pvt Ltd.)
(Mumbai - India) Aug '2000 to May '2001
Nature of Works:
❖ Monitoring & controlling the daily operation up to maximum satisfaction level.
❖ Daily briefing tele-callers & making sure that they maintain total control on the operational front.
❖ Conducting regular meetings & review to check the activity status.
❖ Handling Team of 10 people job includes handling Billing queries, Verification calls & Customer profiling calls of subscribers & also making reports & maintaining the TAT (Turn Around Time) & supervising calls.
❖ H.S.C. (commerce) from BSP (Bhartiya Shikhsa Parishad) board in 2004 with first class
❖ S.S.C. from Maharastra state board in 2002 with second class