Ravindra Kumar Email & Phone Number

Western Australia, Australia

Perth, Australia

Broadway Nedlands, Western Australia, Australia

Sri Lanka

 Assessing loan application details, verify information referred therein and validate income with the respective employer based on pay slips and other documents provided Make credit decisions within delegated authority limits and refer to the next authority levels on deviations Identify creditworthy clients and comply with timelines for service delivery & ensure compliance with internal and regulatory guidelines & procedures Ensure appropriate loan interest rate, penalty rate and early settlement fee applicable are entered into the system for accurate drawdown prior to disbursing the loan  Established, recruited, trained and developed staff for credit management/credit control unit while supporting the existing staff to run a smooth operation Implemented career progression, and incentive payment plans for the staff of credit management to motivate staff & optimize results Devised action plans/strategies and analyse trends that impacted the account ageing and work to improve account flow and credit results Implemented a new internal credit management system incorporating all report requirements, MISs, staff performances & allocation of accounts to ensure the maintenance of a quality portfolio and effective credit management Providing an exceptional customer service experience and assisting customers experiencing financial hardships by negotiating a comfortable repayment arrangement  Take immediate actions and respond within the timelines provided by the Banks’ policies and procedures on complaints and enquiries received Introduced and implemented a number of process improvement initiatives to increase performance, minimise risks, simplify and improve productivity Built, developed and maintained strong relationships with clients, internal departments, external customer & stakeholders (legal & credit management agencies)

Colpity, Sri Lanka

 Maintain effective and appropriate contact with customers by phone, SMS, email or visit for the collection of monies on accounts allocated to self Achieved minimum of 95% of monthly target agreed on recovering overdue accounts allocated Take ownership of customers’ queries and follow up or escalate appropriately for actions Improved the efficiency and effectiveness of work by creating a system that was time-consuming Represented the department to support the project management team to ensure a successful migration of Temenos 24 (T24) core banking system to the bank in my area of work Maintain good client relationship Built, developed and maintained a strong relationship with related parties especially with key contacts of employers to whom loans were granted for re-activating the pre-agreed mode of repayment  Managed a team of 2 providing guidance, support and feedback achieving individual and team KPIs Constantly look for ways to improve processors to increase performance and minimize the risk associatedAccomplishments 2011 - Actively participated and successfully migrated Temenos 24 (T24) core banking system and was awarded for the valuable contribution made

Sri Lanka

Sri Lanka

A subsidiary of HSBC, one of the world’s largest banking and financial services organizations serving more than 38Mn customers with 3,800 offices in 66 countries globally. Accountable for achieving the daily, monthly targets assigned Responsible for coordinating with the main data center in the USA Acting team leader for a unit of 16 staff members providing training and guidanceAccomplishments 2006 - Awarded “The Best Team Player” for the first half of the year2006 - Awarded “The Best Section Coach” for delivering process specific training to various units

Sri Lanka

Established in 1964, IAC is a pioneer in producing specialized bituminous products, which is 100% Sri Lankan owned entity. Prepping and maintaining accounting documents and records Preparing bank deposits, general ledger postings and statements Process business transactions such as accounts payable/ receivable, disbursements, expense vouchers and receipts Research, track and restore accounting or documentation problems and discrepancies Adhere to established standards, procedures and applicable laws

Master Of Business Administration - Mba, General, In Progress

Diploma, Credit Management

Diploma, Computer Studies