Joseph Pillai Email & Phone Number

Bengaluru, Karnataka, India

Heading the Functions of Debt Service Management Group & Risk Containment Unit for India

Bengaluru Area, India

Managing Portfolio spread across entire pan India, with a large team size of Collections and Debt Service Management vertical, encompassing the entire gamut of Zonal Collection teams, Centralized Collection Strategy, Centralized Call Center, Collections Compliance & Process Control, Teams managing repossession, valuation and sale of assets, Collections IT Systems and Collections Legal verticals. Managing the entire book for Auto loans comprising Retail, Commercial, New & Used Car, Fleet, Lease & AlliancesEvaluates and pursues new initiatives and opportunities based on their fit with broader strategies to maintain NPA and NCL and minimize bad debts.Streamlined existing workflows and practices for risk scoring and portfolio segmentation, treatment timelines based on various metrics, data analytics with improved efficiency & Portfolio Resolution and Cure rates.Instrumental in strategically transforming Collections Unit into a Profit Centre by scaling up Bad Debt Recoveries and reducing the provisions and significantly contributing to the P&L by consistently ensuring a negative NCL.Pivotal in restricting sourcing on negative and risk segments or showing abnormal delinquent trends by evaluating customer’s profile effectively in coordination with Credit and Sales teams. Highly experienced in setting month-on-month targets, driving performance management for each Region, debt collection operations by appointing Collection Agencies, legal & commercial operations; budgeting, forecasting and resource allocation, training & development, reporting to regulatory & managing portfolio delinquencies periodically, implementing quality assurance for error-free audits.

Bengaluru Area, India

Leading Pan-India Collections and Debt Management Functions with a large team for the Enterprise Financial Services (EFS) business involved in financing small and micro enterprises (mortgage) and MSME in semi-urban and urban markets across India.Additionally, was also responsible for providing Collection Strategy for the Micro Finance Business, which had a large team of 9000 Collection officers.Proficient in controlling NPA and NCL by formulating and implementing strategies for maximizing collection efficiency and minimizing bad debts. Instrumental in rolling out the Collections policy tests for Collection Managers and CREs across India.Managed and prioritized all collection and risk mitigation activities to enhance recoveries and contribute significantly to the Company's P&L by consistently ensuring a negative NCL.Displayed collaborative skills in establishing excellent synergy levels with the Legal team and secured instalments within defined due dates in several delinquency brackets.Continuously monitored customer complaints, ensured end-to-end resolution with root cause analysis, and improved the Collections quality and service standards.

Bengaluru Area, India

Headed Collections, Legal and Debt Management Function at Pan India level with a large team. Trained and nurtured a strong team of Regional and Cluster Collection Managers, Field Staff, debt collection agencies & an in-house team of Collection Managers.Aggressive in directing associates involved in repossession, valuation and sale of assets. Displayed capability of initiating legal strategy for loan recovery effectively, initiated arbitration proceedings, wherever applicable.Successfully managed the entire collections, legal and debt management for the group involved in financing small and micro enterprises (mortgage) and MSME in rural, semi-urban and urban markets across India.

Kolkata, West Bengal, India

Managed Collections in the Eastern regions for the commercial and passenger vehicle loans delinquent portfolios with the support of a well-trained team of State Heads, Collections Managers, field staff, Debt collection agencies & In-house team managed by service providers.Devised strategy to improve collections efficiently.Identified and managed the entire Region's early delinquency, spread across East locations.Developed, implemented, and administered financial and internal control procedures consistent and compliant with corporate policies and practices to ensure operational efficiency and safeguard company assets.

Kolkata Area, India

Led a team of Collections Managers, field staff & debt collection agencies and responsible for managing recovery from all loan products within the Region.Consistently excelled in the front-end performance of X Bucket @ >97%, instrumental in getting recognized as the best Region.Effective Segmentation of the Portfolio to maximize bad debt recoveries along with managing cost control.Identified and implemented new solutions to existing processes, displayed proficiency in mentoring and coaching the collections team, and conducted periodic training to bring the best out of the team. Strong on corporate governance, regulatory compliance & adherence to management model.

Kolkata

A Venture offering Sales & Support Services for Financial Services & Telecom Sectors.

Kolkata And West Bengal

Managed end to end Service Operations for postpaid mobility business, including Portfolio to reduce delinquencies with > 100% bad debts recoveries by ensuring NCL within control for the Kolkata & West Bengal circles. Managing the Entire Customer Life Cycle from Acquisition to Credit, Collections and Retentions.Instrumental in scaling up and transforming Kolkata and West Bengal circles from a below-par performer to top 5 performers in the country within a month of joining.Demonstrated efficiency in setting up a robust credit delivery team to minimize frauds and churn, facilitating enhanced revenue.Displayed capability in streamlining existing workflows and practices and in implementing fraud management on international & roaming usage.

Kolkata, West Bengal, India

Managed Pan India Collections for the 30+ portfolio for Credit Cards

Kolkata, West Bengal, India

Managing Collections/Debt Management activities for all Retail Asset products and Credit Cards for Eastern India. Followed by a National Head Stint for managing Credit Cards Collections for 30+ portfolio for Pan-India

Kolkata, West Bengal, India

Managed Collections for Auto Loan Portfolio for the East locations based out of Kolkata.Delivered superlative performances in controlling 30+ delinquency by restricting flows from the 1-30 DPD Bucket with Resolution Rate @ 97- 98% and Roll Back Rate @ >40% from the higher DPD Buckets.