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No. 14, I Floor,
1st C Main Road,
IV Phase, J.P.Nagar
experience:
Job profile:
Ø Collection of various hire purchase and lease documents from the concerned branches.
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No. 14, I Floor,
1st C Main Road,
IV Phase, J.P.Nagar
BANGALORE.
09876543210
E-mail: ram@hotmail.com
Ram Mohan
career objective :To excel in the areas of Sales and Credit and make positive contribution to the overall objective of the organisation .
experience:
(1994 JUN-….
Presently working as Zonal Manager (Karnataka Region) at M/s Shriram Transport Finance Company Ltd, Zonal Office, one of India’s leading NBFC’ having turnover of Rs.6, 000 crores, which is also an associate of Citicorp Finance (India) Ltd and UTI Bank Ltd. Shriram’s major area of operation in Karnataka is hire-purchase, lease financing for HCV and LCV’s.
Job profile:
Job responsibilities are mainly in the areas of Advances disbursements, Credit Evaluation, Accounts and administration, financial management and Delegation and reporting activities.
Credit evaluation
Ø Collection of various hire purchase and lease documents from the concerned branches.
Ø Gathering information on the background of the prospective customers.(satisfactory payment history , positive CPV /TRC etc)
Ø Ensuring Implementation of a Credit Policy that incorporates adequate risk management with customer friendly workflows.
Ø Approval & Releasing the advances in the region.
Ø Provide a relevant credit and risk management training to the branch credit staff
Ø To provide feedback on portfolio trends, goal achievement and targets
Ø Collection of the Region
Ø Analysis of data related to trends in business, receivables, portfolio quality, overdue accounts.
Ø Accountable for achieving NPA targets, Plan long-term strategies in order to marinating NPA levels at the lowest.
Ø Plan effective ways of recovering bad loans at the same time keeping the activities a low profile to avoid a bad image for the company.
Ø Communicate credit policies anticipating the portfolio performance trends and market specific dynamics by working closely with the VP-Operations on select profiles and industry
Ø Continuously review and streamline the implementation of the credit policies & operating procedures across the region
Ø Will help/Coach credit manager in handling high-ticket deals and also help in building a process for high ticket underwriting.
Ø Will take care of high end retail loans and also high end funding and guide and coach the Credit team in preparing financial models for deal presentation
Ø Ensure a quick market entry for the PL business for all the new locations proposed to be launched by business.
Ø To help in reviewing cities in which presence should be expanded. To help in preparing launch plans for new cities by working closely with the BM/DM-Sales
Risk Management
Ø Assisting South Head-Credit control to devise and implement analytical solutions and co-ordinate with Manager-Credit to implement field investigation methodology to safeguard interest of the Company
Ø Motivate and lead a team of analysts and provide directions / technical solutions to arrive at optimal model of portfolio monitoring methodologies and system to effect a risk free and healthier portfolio
Ø Periodic analysis of emerging trends to counter the fraudulent activities
Ø Look for Optimum utilization of resource and also save costs on resources by fine tuning the existing processes/ systems
Delegation and Reporting:
Ø Assigning duties and responsibilities to Managers, Senior Executives, Executives Junior Executives and fixing of targets and schedules in this regard.
Ø Performance appraisal for all credit personnel’s working in Karnataka region.
Ø Timely preparation of reports and information for VP’s and President.
Jun 94 to Nov 96:
Worked as Accountant for M/s Dheeraj Group of Companies at Visakhapatnam.
professional achievements:
Ø Was promoted as Sr.Executive in Dec’99.
Ø Was promoted as Asst.Manager in October 2000 and placed at ZO, Tirupathi.
Ø Was promoted as Manager in July 2001 and placed at ZO, Hyderabad
Ø Was Promoted as Sr.Manager in March 2004 and placed at ZO, Bangalore
Ø Was promoted as Zonal Manager in March 2006
Education:
Ø B.com with first class from Andhra University.
Ø MBA from IBMR, Bangalore-Pursuing
Personal Profile :
Date of Birth: 02.08.1972
Sex : Male
Marital Status : Married
Languages : Speak: English, Telugu, Hindi,Kannada
Write: English, Telugu, Hindi
( Ram Mohan)
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