Chithra Narayanan Email & Phone Number

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• The Credit Control Senior Lead is responsible in ensuring that the credit policy is adhered to end to end, also supporting, achieving and exceeding key Collections KPIs. This role is also responsible for driving.
• Crunching data, understanding trends, and finding patterns that provides a host of correlations about the debt portfolio thereby recommending initiatives to reduce bad debt.
• Identifying gaps in systems and processes and thereby arresting any bad debt leakage.
• Attending GTMs and gathering in depth knowledge about product and processes to ensure that credit risk is addressed.
• Undertaking necessary dunning actions to reduce bad debt as well as the calls landing at the call center.
• Understanding patterns and correlating to any business decisions that would enable to improve payment behaviour among customers.

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• This role is responsible for defining the VF-QA credit policy, assessment / monitoring of credit limits and to ensure cross-company compliance to the policy so as to minimize bad debt risk and financial exposure.
• Accountable and responsible to cross-company compliance to credit policy through regular reporting and analysis.
• Conduct credit limit reviews of customers based on payment patterns, age on network and usage.
• Responsible to ensure all exceptions to policy are approved, tracked and monitored.
• Highlight to senior management critical incidences of non-compliance to policy where appropriate also make decisions.
• Provide operational support to the business (Collections, Care, Sales and Retail) on credit related matters as required.

Cochin Area, India

• Designated as the appraising and recommending authority for Retail and Corporate Loan credit limits.
• Held responsibility for monitoring key accounts so as to alert the Branch Head to take necessary preventive/corrective Measures.
• Branch incharge forhandling loans and deposits portfolio of the branch, to the tune of 45mn USD in the FY 2012-13.
• Conducting Loan Review Mechanism to ensure compliance of all terms and conditions of sanction, conducting routine Internal Rating of accounts using Risk Based Assessment tool developed by CRISIL, ensuring that.
• Ensuring proper documentation of Loans along with creation of Equitable Mortgage, and Registration/Modification of Charge with Registrar of Companies.
• Conducting periodical inspections of client warehouse, routine surprise checking of branches including surprise verification of cash at Currency Chest.

Bengaluru Area, India

• The objective aimed at analyzing the performance of different styles (equity diversified & debt schemes) using quantitative and qualitative approach.
• To ascertain whether there exist a difference in the performance of different investment styles.
• To identify the best performing equity diversified schemes and Debt schemes (Short term) after which suggestion is made as an Innovative Process Improvement, as a part of the project to the Private Banking team at the.

Master Of Business Administration - Mba, Finance & Marketing

- Graduated with Merit Scholarship - Did a dissertation titled “A Study on the performance of Equity Diversified & Debt Schemes in India”.

Strategy In Digital Age, Strategy

Professional Qualification, Chartered Institute Of Management Accountants

Completed CIMA's Adv. Diploma in Management Accounting Preparing for CGMA

Jaiib

Junior Associate of the Indian Institute of Bankers

Bachelor Of Commerce - Bcom, Commerce

- Graduated with 'First class with Distinction" - Nominated as the "Best Outgoing Student" - Was designated as the Board Member in.

High School

- Graduated with First Class - Awardee of "The Duke of Edinburgh’s International Award Foundation's Bronze and Silver Standards"..