Samuel Santhoshkumar R Email & Phone Number

Chennai, Tamil Nadu, India

Chennai, Tamil Nadu, India

Chennai

Pursue In-depth knowledge in Dealer Funding/ inventory funding products and their features, Strong in Sales and relationship with the clients and also pursue good knowledge in analyzing the financials of the customers.Other key responsibilities are: Handling Dealer funding (Auto Division) for Tamilnadu. Managing a team of Relationship Managers. Building up a strong and Healthy Dealer funding (Auto) portfolio. Ensure that the year-end NII and CDAB is met. Ensure Fee Income is generated and bring out profitability of the portfolio. Ensuring compliance with Internal/External audit observation on credit related aspects. Periodical stock inspection, client unit visits and invoice reconciliation with the Stock Statements, for each and every client. Adhere to the DFS Process-flow. Ensure Retail penetration with each client and ensure healthiness in the portfolio. Cross sell other products of the bank. My responsibility doesn’t end with sourcing, It continuous in product performance, analyzing the trends, analyzing competitors product, getting the market information, coordination with the corporate both at the central and local level, continuous interaction with the corporate, customers and operations team.Even though Dealer funding group falls under Retail Banking segment, I have the privilege of handling all Auto-cluster Business for customers across all segments varying from EEG (Emerging Enterprise Group), SME (Small and Medium Enterprise Group) and large corporate and try to fulfill their financial requirements.

Coimbatore

Joined Axis Bank in July 2011 as Manager in SME collections and later moved to SME/SCF as a Relationship manager and Handle Supply Chain Finance portfolio for RoTN.Other Key Responsibilities: Handle Supply Chain Finance portfolio for RoTN. Sourcing of new clients for SCF under Dealer Financing and Vendor Financing. Handling a portfolio of Rs. 210 crores. Ensure that the year-end NII and CDAB is met. Ensure that the Fee Income is generated and achieve the budget. Maintain Day to Day interaction with all the Corporates representatives, clients and CFHUB and coordinating for processing their financial requirements. Creating Charge on properties like Equitable Mortgage, Assignment, Filing charge with ROC, etc. Meeting the existing clients on a regular basis in order to understand their financial requirements and structure the credit limits accordingly. Update current trends and changes in the industry to have effective funding and built strong portfolio Manage and co-ordinate for clearing /collecting the payments on due dates and ensure follow-up on every single account. Cross Sell of other banking products to improve strong client relationship and retention.

Chennai & Coimbatore

Key Responsibilities: Handle personal loan and credit card collections (vintage recovery) for various banks in ROTN Handling a team of 100+ telecallers and 145+ Field executives thru 27 team managers/ leaders. Handled around 33 different portfolios in across retail banking for 11 banks and 2 telecom operators. Core competent in Skip tracing and vintage recovery. Implementing the collection process and Data analysis process to meet the clients requirement. Maintain 100% compliance and strict comply towards Code of Conduct. Set up branch in Coimbatore to cater the collection requirement of TN upcountry location. Coordinating between the upcountry Field team and Bank’s Collection Managers Recruitment , training and retain Field force and telecallers Ensure client relationship and profit generation.

Chennai

Key Responsibilities: Handle both Personal Loans and Two Wheeler Loans for the states of Tamil Nadu and Kerala through 4 Area Collection Managers Entrusted with complete collections responsibilities on a delinquent portfolio size of Rs. 87 crores to manage net credit losses; cost effectively Selling selected bad debt portfolios where appropriate and managing account receivables by minimizing net credit losses and maximizing recoveries Advising management on selective marketing/de-marketing of segments Providing adequate training and transfer of knowledge to keep staff keenly prepared for job responsibilities Managing collections teams to maximize staff productivity, reduce employee turnover and stay within budget Responsible for the internal auditing exerciseData Analytics: Developed the MIS at a regional level, including delinquency analysis, loss analysis, vintage analysis and implementing other portfolio measures to maintain risk and improve portfolio quality. Conducting data analysis based on products, portfolios and basis cost of data for optimal decision-making and determining the strategy of the region. Assessing credit worthiness of evaluation scheme by use performance history and future forecasts along with liquidity, debt/ asset management and profitability ratios. Maintaining MIS based on the analysis at regional level.

Coimbatore

Key Responsibilities: Heading the field and tele-calling activities of retail banking collections for ROTN for the client CitiBank Individually handled personal loans and managed Collections Managers for other retail products Successfully controlled net credit losses and forward flow rates across products within budgets Controlled the costs of collections and improved processes to enhance staff productivity Prepared daily, weekly, cycle-wise and monthly MIS reports Validated and check claims/bills raised by agencies for vendor payments Incessantly established and achieved risk management targets and benchmarks (delinquency & process) and effectively implemented measures and strategies to meet them Ensured compliance of customer service and agency management norms Instrumental in training employees with clearly spelt out responsibilities and knowledge of the bank’s code of conduct.

Agmp

Master Of Business Administration - Mba, Marketing And Finance

Bachelor Of Commerce - Bcom, Business/Commerce, General