Vibrant team player ,Qualified in Master of Business administration in Human Resource Management with 21 years of experience in collections & Sales in various products like Credit Cards , Two wheelers, Consumer durables, Personal Loans (Salaried & Self Employed ) , Mortgages , Used Cars , Unsecured Business Loans & Rural Consumer Loans , In onsite Associated with the leading NBFC’s (GE-SBI Cards , Citi Financial , Fullerton India , Bussan Auto & Hero Fincorp)

(Achieving the KRA targets , Empanelment of Agencies , Responsible for Agency Allocation , Vendor management , Focusing on the early collection in the early buckets , Focusing on the Rollback &

- Normalisation from the vintage defaulters , Repossessing the vehicles from the 90+ Accounts , Legal Initiation like LRN , Sec-9 , Sec-17 , Sec-138 &
- Sec – 156 , Sale of Asset process through online & offline auction , Maintaining the delinquency level within the budget , Account wise review , Joint Calls for the non workable cases , Tele calling &
- Field visit to work out the chronic defaulters , Reducing the exit rate in the early MOB cases , Tracking the portfolio in the various system like (FTB,RB &
- NS) , MOB Wise &
- DPD Wise , Bounce Rate Reduction , Month Wise Manual Receipt Audit , Giving training to the agencies & filed collectors , ACR Adherence to the field collectors , Publishing MIS , Monitoring the deposition TAT , Feedback Sharing to credit & sales team for minimising the Risk business , Portfolio analysis ,



Customer Analysis &
- Market Analysis are the major focussing areas , Frequent Review meetings with my seniors with proper PPT presentation , Data management is my area of passion)

ü 2018 – Prestigious IVY League , An one year graduation (with >80% Score) – Only one in Entire South ü 2022 – Grow Workshop 1.0 - Excellent People Manager – Platinum Category - One year graduation ü 2025 – Grow Workshop 2.0 - Great People Manager – Platinum Category - One year graduation v Location Head (Sales & Collection) Grade: E2 – Bussan Auto Finance India Private Limited – Group of Mitsui, Yamaha & Axis Bank (Official Finance Partner for India Yamaha Motors) (Period: Oct 2012 – Feb 2014) , Handled Location - Trichy , Tanjore , Pudukottai , Karur , Perambalur , Attur , Ariyalur , Thiruvarur , Nagapattinam , Handled Product - TWL v

Collection Manager (Senior Assistant Manager) Grade: B5 – Fullerton India Credit Company Ltd (Period: July 2009 – Sep 2012) , Handled Location – Coimbatore , Tirupur & Erode , Handled Product – PL , TWL , Mortgage & Used Car v

As a Supervisor in Interpro & Enlist for Citi Financial (Period: June - 2007 to June – 2009) , (Tirupur, Salem and Erode) , Handled Product – TWL , PL & CD v

As an Executive & Team Leader in Zion Marketing for GE SBI Credit Cards (Period: June -2004 to May -2006)- Trichy & for ICICI – PL (Period: June - 2006 to May – 2007) - Tanjore

📌 State Collection Manager (Tiruchirappalli)
🏢 Hero FinCorp
📍 Tiruchirappalli