1. Curriculum Vitae
RAJESH P S
F-9/7, 1st Floor,
Hariniketan Co-op Housing Society,
Opp Vasant Galaxy,Bangur Nagar,
Goregoan west
Mumbai – 400090.
Email ID : psrajeshh@yahoo.com
Mobile No. : +91 99871 10002
_______________________________________________________________________________________
Profile:
An energetic, self-motivated and hard working person with 15 years + experience in all
aspects of Credit & Risk/Operations/Collections/Legal & Recovery/Customer Relations.
Able to use own initiative and work as part of a team. Proven leadership skills, including
managing and motivating other staff to achieve company objectives. An effective
communicator at all levels within an organization. Good problem solving ,negotiating
and analytical skills.
PROFESSIONAL EXPERIENCE:
 Currently working as “ REGIONAL COLLECTION MANAGER ”(AVP) with “ INDIABULLS
HOUSING FINANCE LIMITED ” since May, 2006.
Responsibilities held with IBFSL : PL AND HL COLLECTIONS / CREDIT UNDERWRITING &
PORTFOLIO MANAGEMENT –Locations- Kerala, AP, Karnataka and Mumbai
 Currently handling Home loans / Mortgages 90+ collections (NPA’s)+ flows for
Mumbai ,Thane and Navi Mumbai areas.
 Good knowledge of all legal procedures for recovery of overdues.
 Initiating Sarfaesi notices, executing bailable and non-bailable warrants.
 Taking possession of secured properties thru court orders.
 Handled collections for PL PLUS product for Mumbai region.
 Consistently achieved 90% + in HL/PL Plus portfolio MOM .
 Portfolio Management :-Have managed overall Personal loans portfolio for Kerala, AP,
Karnataka and Mumbai.
 Handled a team of more than 125 people, direct and indirect reportees.

2. PREVIOUS JOB EXPERIENCES :
Dec’05 – May’06
Customer Relations Manager
Bharti Televentures Ltd (Airtel), Kochi
Responsibilities : Collections/ Retention and Customer Service
 Handled collections/retention and customer service for 12 Airtel connects in central Zone
handling 40000 customer base including high-end customers.
 Appointment of Airtel Relationship Connects.
 Maintained a very low level of customer Churn.
 Conducted various service and awareness camps.
 Weekly and monthly performance reviews of ARC’s.
 Maintaining MIS for top Management.
 Managing Customer allocations to ARC’s
Feb’03 – Nov’05
Regional Collections Manager – Kerala
Citifinancial Consumer Finance India Limited, Kochi
Responsibilities : Collections/Recoveries for Personal Loans, Two wheelers and Consumer durables
 Handled collections and recovery for PL/TW/CDF for 11 branches across kerala.
 Recruitment and Training of collection resources and Agencies.
 Managed a team of 400+ people with 20000+ accounts.
 Allocation of cases bucket wise, product wise to collection agencies and executives and
stamping on to system.
 Weekly and monthly performance reviews of collections agencies and Executives across all
branches.
 Maintained a very low GCL and NCL across all products
 Responsible for quality management and process
 Responsible for agency billing/ Appointment of legal advisors and other legal wings.
 Repossession and disposal of ceased and surrendered assests.
 Cross function coordination.
Nov’00 – Feb’03
Senior Officer-Recovery
Kotak Mahindra Primus Ltd, Kochi
Responsibilities : Operations/ Collections
 Handled front-end collection collections for Car Loans for branches across Kerala.

3.  Repossession and disposal of ceased and surrendered assets.
 Performance review
 Handled Operations function like fund management, BRS, file disbursement, pre- disbursal
checking.
Jul’98 – Oct’00
Accounts Assistant
L&T Ltd, ECC Construction Group, Kochi
Responsibilities : Accounts Assistant
 Preparation Cash book and various other journals
 Revenue /Supplier/Sub- contractor ledger reconciliation
 Preparations of ESI/PF and TDS recovery statements and other expense statements.
ACADEMIC PROFILE :
Examination College/School University/
Board
Percentage Month &
Year of
Passing
B.com Sacred Heart College
Thevara-Kochi
MG
University
55% May, 1997
12th
Cochin Refineries
School CBSE 85% May, 1994
10th
Cochin Refineries
School CBSE 65% April,1992
COMPUTER PROFICIENCY :
Good knowledge of Windows, MS Office, Internet
 Successfully completed a certificate course in Computer Application and programming from ISCT Kochi.
Accustomed to most of the major Microsoft Office application (Word, Excel, PPT), Internet and Email
 Passed Kerala Govt. Technical Examination Type Writing–English (Higher)
PERSONAL ATTRIBUTES :
 Possessing Good communication skills.
 Believe in Teamwork & well-organized work plan.
 Zeal for learning & exploring knowledge.
 To work in a challenging and dynamic environment and to keep value adding to the organization,
which I represent, and serve and attain the status of a true professional.
OBJECTIVE :

4. To work in a more challenging service-oriented organization, wherein my knowledge, experience and skills
can be professionally and successfully applied and utilized to achieve organizational goals in a speedy
and efficacious manner
OTHER PERSONAL INFORMATION :
Date of Birth : 24th
October, 1974
Marital Status : Married
Nationality : Indian
Hobbies : Cricket and Listening music.
Languages Known : English, Hindi, Malayalam, Tamil
Permanent Address : Pandukuzhiyil House, Irimpanam PO
Chitrapuzha, Ernakulam Dist, Kochi
Kerala – 682 309, # 0484-2114518
Place : Mumbai
RAJESH PS