Arumugam M Email & Phone Number

Chennai, Tamil Nadu, India

Chennai, Tamil Nadu, India

- End-to-End In-charge of all functions • Purchase, Sales, Finance, Collections &Operations- Built business from level zero to INR 150M / yr in 3 years • Achievedconsistent 40% Y-o-Y growth in top line & 55% Y-o-Y in EBIT- Break-even by 18th month & profitable by 21st month • At present it is astandalone profitable venture with ROI of 15%+- Responsible for complete life cycle of the customer • Identify-Verify-Sell- Collect-Service-Retain-Repeat

Chennai, Tamil Nadu, India

- Independent Biz Unit TOP line revenue INR 250M / Yr- 1200+ FTE • Multiple delivery locations across India • Client First Approach(Satisfy / Retain / Upsell)- As a Banking / NBFC specialist managed multiple clients - ICICI, SBI Cards, Laxmi Vilas Bank, Chola MS Finance, Hero Fincorp, DHFL- Voice I/B & O/B support for Sales, Service & Collections verticals • Non-voiceBackend support / Document Digitalisation / Proofing / Soft Under-writing- Consistently improvising EBIT, revenue efficiencies & managing costs. - Up-selling company’s indigenous capabilities - Tools, Apps, CRM, etc., - Talent Retention • Transition management • Contract Negotiation

Chennai, Tamil Nadu, India

- Independent Biz Unit TOP line revenue INR 210M / Yr- Digital Revenue Channel - Captive & Outsourced • Set Long/Short term targets• Drive Efficiencies- Head of Lender Relations - Policy formulation, Strategic Tie-ups and businessgrowth (Organic & Inorganic)- Being one down to the founders, take charge of fore-fronting investorsmeeting, aligning the team to founder's visions & missions- Collaborate with Product, Technology and Business Intelligence for newstrategies, increase efficiency and drive business growth

Chennai Area, India

- Independent Biz Unit TOP line revenue INR 250M / Yr- 1200+ FTE • Multiple delivery locations across India • Client First Approach(Satisfy / Retain / Upsell)- As a Banking / NBFC specialist managed multiple clients - ICICI, SBI Cards, Laxmi Vilas Bank, Chola MS Finance, Hero Fincorp, DHFL- Voice I/B & O/B support for Sales, Service & Collections verticals • Non-voiceBackend support / Document Digitalisation / Proofing / Soft Under-writing- Consistently improvising EBIT, revenue efficiencies & managing costs.- Up-selling company’s indigenous capabilities - Tools, Apps, CRM, etc.,- Talent Retention • Transition management • Contract Negotiation

Chennai Area, India

- Successfully managed Collections & Retentions vertical for TN, AP, KTK & KL - Largest Telecom Operator in India- Voice & Non-Voice • I/B & O/B • 350 FTEs • Key account- Successfully turned around a loss-making center into Profits (from -3.8% EBIT to +14.4%)- Being a stand-alone remote center, successfully created a cohesive environment for all departments, vice, HR, Training & Quality, Operations, WFM & Administration- Volunteered Projects which added value to customers, reducing costs for clients thereby increasing CSAT / NPS- Developed / implemented policies, procedures to simplify operations- Reduced attrition from a monthly 24% to a sub 8%

Kerala, India

- Reduced NPA figures from INR 89.3 crores in Dec’10 to INR 39.2 crores in Mar’12- Recovered 26% from loss-provisions & reduced fresh flows (into 30) from 11% to as low as 1% within a period of 1 year- Managed end-to-end collections, recoveries & legal for Kerala & Karnataka; Retail products HL/LAP, CV, PL, BL, Gold loans & priority sector loans such as Agri & Educational loans- Delivered on two distinctive books: legacy portfolio & new-age portfolio- Setup a robust new-age collections model from the scratch. Setup receipt book management process across India. Implemented collections compliance score card.

Chennai, Tamil Nadu, India

- Successfully managed a 100 seater tele + PU / referral agencies (55 FoS). (Captive & Outsourced)- Headed Collections for all 3 products PL, HL & LAP for the whole of TN- Managed Telecollections and Field Collections. Multiple Agencies.- Managed an exhaustive field set up of outsourced collections agencies, Independent Collections RMs across the length and breadth of TN- Piloted & Achieved 100% on Debt Consolidation, Re-writes & Roll Backs

Madurai, Tamil Nadu, India

- Managed Sales, Collections, Service & Administration of 5 branches in TN- Exceeded yearly sales (> 200% growth YoY) on PL, Insurance (Life & Non-life), & Mortgage products with a right product & yield mix.- Responsibly handled cross-functional “credit underwriting” role with NIL non-starters continuously for 8 months in a row- Successful in opening 6 new branches, building business from scratch & breaking-even in 12 months.- Delinquency maintained @ less than 2% & Write-offs @ less than 0.75% of a mature 4 year-old portfolio.- Performed an in-depth Cost vs Benefit analysis in sales & marketing: Outcome, a 23% positive impact on COA.- Successful in spreading sales dependencies onto telecalling, walk-ins, “Loan Mitra” & micro/macro marketing activities & cross-sell other than DSA / DSC- Successfully passed 2 “Annual Risk Review” audits conducted by Citigroup Singapore

Spearheaded channel sales & operations, leading a 45 member team in South Chennai.

Responsible for imparting product trainings & promoting Amway for entire ROTN comprising of 11 Zones: – Thiruvarur to Kanyakumari.

Master Of Business Administration - Mba, Marketing & Finance, First Class

Activities and Societies: NCC, NSS, COMMAS, CYNOSURE, ALUMINI

Bachelor Of Commerce - Bcom, Commerce & Economics, First Class