1. R.RAMESH
: 3, Ramaner Street, Chitlapakkam, Chennai-600064
: +91-9840543121; : rrameshpdkt@gmail.com
CREDIT & COLLECTIONMANAGEMENT PROFESSIONAL
Offering 24 Years of experience in NBFCs’ (Hire Purchase& Leasing)
PROFILE & STRENGTHS
 Competent, diligent & result oriented professional, offering experience Business Development, Collection Management,
Recovery, Credit Loans, Customer Relationship Management, Team Management and Liaison & Coordination; currently
spearheading as Freelance Consultant.
 Proactive professional with comprehensive and strategic understanding of formalities for ensuring timely recoveries/
collections; continuously achieved designated collection targets & reduced delinquency cases by increasing operational
efficiency.
 Expertise in managingcollection operationsand implementingstrategies towards enhancingbusinessvolumes and growth as
well as analyzing & assessing revenue potential in new business opportunities
 Solutions oriented approach with excellent relationship management skills, successfully and consistently delivering the
responsibilities of Revenue Generation, Profitability, Market Share and Customer Satisfaction.
 Energetic, competitive achiever who can successfully managemultiple priorities,& perform under pressure in a fast-paced,
rapidly changing environment.
Core Competencies
 Business Development  Collection Management  Accounting Matters  Credit Loans  Customer Relationship Management
 Team Management  Liaison & Coordination  Effective Communication Skills  Strong Interpersonal Skills 
PROFESSIONAL EXPERIENCE
FREELANCE CONSULTANT (ACCOUNTS & INVESTMENTS) May 2014 – Till date
 Rendering consultancy to the clients/customers regardingmatters pertainingto accounts,investments and financial matters.
 Developing, monitoring and communicating performance against key success metrics while identifying and mitigating risks
associated with achieving the client's investment plans while monitoring stock's creditability & efficiency.
HEWLETT-PACKARD FINANCIAL SERVICES (INDIA) PVT LIMITED,BANGALORE&CHENNAI. May 2007-Apr 2014
(Through Team Lease Services Pvt Ltd. (May 07-April 09) / Spearhead Services Pvt. Ltd., Bangalore (May 09) – Consultant)
Customer Support Specialist
 Looked after delinquent accounts & portfolio while controlling recovery operations for delinquent customer; pivotal in
handling fraud cases/defaulters/insolvent clients & taking appropriate legal actions.
 Supervised default customers through regular collection of receivables and booking new contracts in system, processed
billings and accomplished targets set by the management and controlled external collection agencies.
 Ensured business profitability and improving processes in customer contact and recovery techniques by augmenting
normalization & recovery rates.
 Competently maintained highest standards of customer service giving preference to customer satisfaction & promptly
handling customers for collection of receivables classified on age basis.
 Designed and implemented new processes into system thereby generating timely revenue recognition and providing quality
services to clients.
 Recognized and awarded with “e-awards” for outstanding performance & “Wall of Fame Award” on bad debt recovery.
BANKS AND NON BANKING FINANCIAL COMPANIES Apr 2004-Apr 2007
Free Lancer DSA for Home Loans, Retail Asset Loans (CV & CE)
 Identified and projected long term and short term working capital requirements of the customers; handled Pre and post
disbursement documentation formalities and disbursed loan after considering legal and technical aspects.
 Evaluated creditworthiness of loan proposals;scrutinized documents and other customer credentials;assigned a creditlimit
based on the outcome of discussion and the documents submitted by the customer.
 Ensured adherence to log-in time constraints and speedy verification of documents; nurtured healthy relationship with
customers by satisfying their queries and providing them advice as per their individual needs.
FIRST LEASING COMPANY OF INDIA LIMITED, CHENNAI.
Aug 1998-Mar 2004
Asst. Manager-Recovery

2.  Developed a competitive business development strategy by identifying prospective clients & interacted with sales team,
uncovered/created new opportunities, finding dynamic and flexible solutions.
 Played a pivotal rolein handlingmore than 200 receivableaccounts; maintained coordination and liaison with legal counsel
for filing suit and completed legal formalities.
 Shouldered the responsibility of monthly preparing Asset Growth Report and Collection Report and submitted it to the
managing director for reviewing.
 Successfully conducted performanceappraisals and counseling,efficiently monitored the performance of trainees, developed
and arranged training sessions to keep their skill level up to date.
FIDELITY FINANCE LIMITED, CHENNAI Jun 1993-Jul 1998
Executive-Business Development & Receivable Management
 Involved in Direct Marketing of Financial products of the company, such as mobilization of Deposits, Leasing and Hire
Purchase finance (Commercial vehicle and car).
Branch in Charge - Pondicherry & Trichy – handled Deposit mobilization and fresh Hire Purchase business & recoveries.
S SHANKAR, CHARTERED ACCOUNTANT, PUDUKKOTTAI Sep 1990-Aug 1991
Accounts Assistant
ACADEMIC & PROFESSIONAL CREDENTIALS
Bachelor of Commerce
Bharathidasan University,Tiruchirapalli
Computer Proficiency
MicrosoftOffice, Internet Applications
Date of Birth: 15th July 1970
References: Available on request.