1. RAMESH GOUD B.
Mobile: +91-9959434888
E-Mail: buranna0909@gmail.com
Seeking assignments in Collections/ Distribution Sales/ Risk & Fraud Control with an
organization where job profile gives passion to perform and independent work culture.
Profile Snapshot
A performance driven professional with nearly 12 years of experience:
- Sales & Distribution Management - Collections & Recoveries - Channel Management
- Client Relationship Management - Audit & Inspection - Legal Compliance
- Marketing Operations - Personnel Management - Cost Optimization
Proficiency in implementing result-oriented recovery plans to manage delinquency (fraud / revenue linkages) within pre-set
norms for achieving organizational objectives and ensuring profitability. Adept in conceptualizing strategic and operational
plans for the designated collection and recovery agencies towards helping them in drawing a good image. Excellent in
interfacing with collection portfolio & branch customers from various sectors for understanding their requirements.
Skilled in defining parameters within which agency operations must be executed and harmonizing them with business
requirements for maximization of productivity. Expertise in driving measures for optimising quality of portfolio through
effective fraud & corporate credit control / loss policies. An effective leader with distinguished abilities in recruiting,
training & motivating a large workforce (Agency and In-house) for accomplishing greater operational efficiency and high-
resolution rate in accordance with SLAs & work processes.
Skill Set
• Development of appropriate response to settlement risks including partnering with Agency Managers and team
members to standardize policies and procedures surrounding customer risk
• Developing expert knowledge of best practices as it pertains to Debt Collection, Bankruptcy, Settlement Agreements,
and Forbearance Agreements
• Interact with consumers in negotiation for the collection of defaulted or delinquent payments on behalf of our clients.
Establishing contact with consumers via skip tracing and then either collecting the outstanding debt in one payment or
working out a payment plan.
• Developing strategies to avoid frauds & skips by minimizing losses & implementing recovery strategies in case of
payment defaults
• Conducting Monthly Credit Meeting with Sales along with Collections team to understand & address issues on
underwritten cases, while formulating effective collection mechanisms & ensuring timely receipt of money from clients
& recovery of bad debts
• Enhancing customer satisfaction matrices & monitoring customer complaints on Loans and Advances, while Building
and maintaining healthy business relations, ensuring maximum customer satisfaction
• Developing sales & marketing strategies to build consumer preference and driving volumes.
• Conducting competitor analysis by keeping abreast of market trends and moves to achieve market share.
• Evolving market segmentation & penetration strategies to achieve targets.
Employment Details
Jul’13 – Present: Kotak Mahindra Bank Ltd., Hyderabad Manager - Credit Cards &
SPL
Highlights

2. • Highlighting frauds and skip tracing
• Significant revenue generated through recoveries and arresting flow to NPA
• Received Certificate of achievement awards for Q3 2013, Q4 2013-14 and 2014-15 FY for effective collections, People
Management and target achievement.
• Awarded STAR of the Quarter achievement award for Q1 2015.
Oct’07 – Jun’13: CitiFinancial Consumer Finance India Ltd., Hyderabad
Growth Path
Oct’07 – Dec’08: Branch Manager
Jan 09 - Jun 13 Manager - Credit & Risk Dept
Jan’09 – Jun’13: Manager - Collections
Role
As Manager - Collections
• Administering Write-off and Flows accounts of PL of Hyderabad region and Up country AP.
• Managing the ROR% for region & training the Field Collectors, agency Supervisors on Citi Control Process & Collection
Procedures
• Conducting Fraud Control and Delinquency Analysis, while ensuring compliance to Business Policy & Collections
Processes
• Fostering healthy relations with channel partners and handling Collection Call Centres
As Branch Manager
• Supervised Branch and maintained budgets to ensure profitability and optimize efficiency and productivity
• Spearheaded Sales of PL, Mortgage and EBIT Targets
• Tracked credit, processed & monitored NS Bucket collections, while managing customer service aspect for the branch
and micro-marketing operation
Highlights
• Felicitated with:
o Top Performing Branch Award in achieving highest Mortgage Sales for Q2 of FY 2008
o Best Non Starter Resolution & Mortgage Sales Performing Branch Award with certification and medal from
Country Business Manager, GCG India
o “You Made A Difference” Award for Q3 2010 for Maximizing Collections & effective Agency Management
Oct’05 – Sep’07: ICICI Bank Ltd., Hyderabad Manager – Collections (STPL
& CD Products)
Highlights
• Played a pivotal role in streamlining collection systems & processes, while managing the Flow Rates and NCL of the
branch
• Dexterously ensured compliances to Business Policy, Collections Processes & Procedures
• Efficiently kept a check on the payments due and payments made by the clients on timely basis
• Trained & motivated Agency Managers and Field Executives to deliver high standard results
Apr’03 – Mar’05: Ultratech Cement Ltd., Hyderabad Executive – Channel
Sales
Highlights
• Handled sales & business development operations of the Ultratech Cement across the region, achieved business
targets through the various channels in the market
• Essayed a stellar role in identifying & appointing new channel partners to enhance business development, while
working closely with the sales channel to ensure target achievements

3. • Ensured optimal price strategy to build position in the market as a whole by effectively negotiating with Vendors and
other Market Channel Partners
Previous Experience
Jan’00 – Dec’02: India Cements Ltd., Hyderabad Executive, Customer
Relations
Academic Qualifications
• MBA (Marketing Management) from OU PG College, Osmania University in 1999
• B.Sc. (Electronics) from AV College, Location : Hyderabad Osmania University in 1997
Personal Details
Date of Birth: 2
nd
January 1977
Residential Address: Qtr. No: 730/B, BHEL Township, Near BVB Public School, R.C. Puram, Hyderabad – 500032
Languages Known: Hindi, English and Telugu