1. Srinivas Singaraju
India • 9703612333 • singaraj1976@gmail.com
Objective
Senior Level Assignments in Collection, credit, Risk & Fraud
Management
Preferred Sector: Banking /NBFCs /Telecom/Insurance
• 12 years of rich and comprehensive experience in Strategy
Planning, Collections & Recovery, Risk Management, Customer
Relationship Management and Team Management.
• A strategic planner with proficiency in devising strategy for
collection and recovery from clients against Loans and Advances
after providing advice on the various payment options.
• Competent in streamlining & improving existing systems /
processes, envisioning new methodologies, future trends and
driving development, direction and accomplishment.
• Ability to support and sustain a positive work environment that
fosters team performance with strong communication and
relationship management skills.
Work Experience
04/2014 –
Present
Magma Fin Corp Limited, Hyderabad, A.P & Karnataka India
Regional Manager - Process Compliance & Portfolio Analysis
Highlights:
• Handled 7000 cases in ‘0Bkt’ & 1200 cases in ’1-30 Bkt’ and FI for
entire Telangana region.
• Achieved 96% in ‘0’ and 110% in 1-30 consistently.
• Achieved overall TAT of 3.5 Hrs consistently.
• Currently heading Collection Process implementation, Portfolio
Analysis & Quality monitoring for Andhra Pradesh, Telangana &
Karnataka since June’2014
05/2010 -
05/2012
Fino Paytech Limited, Vijayawada, A.P India
State Head - Field operations & Business Development
Highlights:
• Administered the entire gamut of coastal A.P covering 11
districts viz., Vizag, Vizaianagaram, Srikakulam, East & West
Godavari, Krishna, Guntur, Khammam, Prakasam, Nellore, and
Chittoor.
• Efficiently & effectively managed a team of 300 Block co-
ordinators and 15 District Co-ordinator.
• Dexterously involved in managing end to end operations involving
risk, recovery and legal activities for government projects (SSP &

2. NREGA).
• Diligently developed MIS for effective and efficient performance
and ensured timely allocation of portfolio to BC.
• Spearheaded the entire gamut of Operations related queries for
client banks (Axis, UBI, ICICI, ING, and Corp bank).
• Bagged the Certificate of Honour for ISO compliance in 2011-
2012.
• Efficiently handled the Portfolio size to the tune of Rs. 1000
Crores P.A.
• Distinctively designed the Payout Calculators and MIS i.e., Was-
Is-Analysis, Portfolio MIS.
• Constantly recovered Rs.2 Crore misappropriated amount.
• Cross sale of over 7 lakh insurance policies during the tenure.
Top performer across Pan India.
01/2007 -
02/2009
Kotak Mahindra Bank Limited, Hyderabad, A.P & T.N India
State Head - Accounts receivables & Risk
Highlights:
• Administered a team of Agency Managers and Executives to
achieve the pre - set targets.
• Instrumental in handling delinquent portfolio of more than 0-180
DPD for PL finance (STPL, MTPL).
• Championed & successfully handled delinquent portfolio and
brought down the delinquency from 7.58% to 4.62% within a
period of only six months in Andhra Pradesh and consistently
maintained the same at 4.57%.
• Efficiently & effectively retained 60+ numbers, reduced 90+
numbers and 180+ numbers.
Achievements:
• Awarded best team contribution for 2008
• Started Risk sampling vertical and handled additional
responsibility of risk activities tillDec’2007 and Tamilnadu
delinquency portfolio from Nov’08 to Feb’09
05/2006 -
12/2006
HDFC Bank Limited, Vijayawada, A.P India
Territory Manager - Risk Intelligence & Control
Highlights:
• Pivotal role in reducing internal & external frauds by diligent
screening and sampling of loan documents and profiles.
• Significantly involved in prepared network with others Banks,
Telecommunication Departments, Govt. Treasury and HR
personnel to track and stop delinquent customer entering into
the system.
• Holds the credit of handling 50 crore loan documents across
coastal A.P.

3. Efficaciously secured:
• @2% penal fee on fabricated documents every month
• Investigated fraud cases worth 2.6 crores in used car and
mortgage loans
• Successful window shopping ensuring separation of intentional
fraud DSA/DST
12/2004 -
05/2006
ICICI Bank Limited, Vijayawada, A.P India
Territory Manager - Collections
Highlights:
• Pivotal role in handling delinquent portfolio of 30+ & 90+ for
Personal loans portfolio of Hyderabad from Dec’04 to June’05
and 0-180 DPD for Vijayawada and Vizag from July’05 to May’06.
• Significantly involved with sales and credit counterparts to
ensure reduction of non starters/infants in the system.
• Hold the credit of introducing cross verification process for
FI/CPV
Achievements:
• 120% on pre-set target during the financial year 2004-05 in
30+ and 90+.
• Reduced NCL to 1% and consistent performance in skip
tracing
01/2004 -
12/2004
TVS Financial Services Limited, Vijayawada, A.P India
Territory Manager - Collections
Highlights:
• Handled 0-180 delinquent portfolio for two-wheelers for entire
coastal A.P
• Hold credit for introducing vendors in place of in-house
collection team.
Achievements:
• Cracked 50% high POS cases in first 3 months. Brought fraudulent
FOS in Krishna and Guntur to book.
04/1999 -
01/2004
Ashok Leyland Finance Limited, Vijayawada, A.P India
Branch Manager - Personal Products Division
Highlights:
• Handled sales, credit and collections for Car, T/W & consumer
durables for Ashok Leyland Finance Ltd, Vijayawada.
• Has achieved sales target of 90% and collection target @ 150%
consistently.
Achievements:
Hold credit for reducing loss on sale of possessed vehicles by
competitive bidding.

4. Education
1997 - 1999 Nagarjuna University, Vijayawada, A.P India
Master of Commerce in Costing & Management accountancy
1998 - 1999 ICWAI, Vijayawada, A.P India
ICWAI Inter in Costing, Management accountancy, Taxation
1994 - 1997 Satavahana College, Vijayawada, A.P India
Bachelor of Commerce in Financial accounting, Taxation, Costing,
Mercantile law
Skills
Receivables Management:
• Managing and monitoring delinquent account collection and
establishing terms of payment as well as handling Vendor
Management.
• Allocation of cases, capacity planning, ensuring field visits,
curtailing flow rates and normalization of delinquent accounts.
• Handling Flows & Recovery for all secured (T/W, Car, CV, CE, HL)
& unsecured products ( PL, BL, STPL)
• Preparing MIS reports to provide timely feedback to senior
management on business operations viz., collection, billing,
credit control, profitability, etc
Recovery Management:
• Conceptualizing & implementing recovery strategies in case of
payment defaults.
• Supervising the team for managing high value fraud cases /
defaulters / insolvent clients and initiating appropriate legal
actions against them.
• Responsible for reducing percentage of GCL & NPA.
Risk Management:
• Screening and sampling of loan documents based on triggers and
market analysis to minimise cash pilferage.
• Analyzing the portfolio to enhance its quality to reduce the
future risk to business by updating regular feedbacks and
handling Dealer Network Development for financing, maintaining
coordination between Dealer & Finance Company.
• Devising and effectuating risk policies & managing wide risks and
implementing effective mechanisms to mitigate the same.

5. Customer Relationship Management:
• Enhancing customer satisfaction matrices & monitoring
customer complaints on Loans and Advances.
• Building and maintaining healthy business relations, ensuring
maximum customer satisfaction.
Team Management:
• Recruiting, training & monitoring the performance of team
members to ensure efficiency in sales, collections, operations
and meeting of individual & group targets.
• Conducting meetings for setting up objectives and streamlining
processes to ensure smooth functioning of operations.
• Handled a team size of 400 District co-ordinators and Mandal
Co-ordinators during stint at Fino Paytech Ltd

6. Customer Relationship Management:
• Enhancing customer satisfaction matrices & monitoring
customer complaints on Loans and Advances.
• Building and maintaining healthy business relations, ensuring
maximum customer satisfaction.
Team Management:
• Recruiting, training & monitoring the performance of team
members to ensure efficiency in sales, collections, operations
and meeting of individual & group targets.
• Conducting meetings for setting up objectives and streamlining
processes to ensure smooth functioning of operations.
• Handled a team size of 400 District co-ordinators and Mandal
Co-ordinators during stint at Fino Paytech Ltd