Suresh Krishnan Email & Phone Number

United Arab Emirates

• Prepared the Functional business plan, and established mechanisms to execute the plan. • Established the company’s goals and objectives that lead to growth and prosperity• Assessed and identified new opportunities for growth in current and prospective markets• Ensured that all company activities adhere to legal guidelines and policies.• Organized and coordinated the operations in ways that ensure maximum productivity• Managing relationship with the relevant stake holders both internally and externally and also accountable for getting new businesses for the company.• Passed the internal audit and third party audits of banks with error free audit rating and complied with all AML policies as required by banks.• Increased the recovery from written off skip portfolio across various banks and have been recognized as one of the best third party set up for a bank in Qatar in 2018 Handling of NPA/ NPL cases and also ensuring that the amount gets recovered from these customersCoordinating and Recommending for restructuring of cases wherever required and also ensuring that the account gets settled as per the offer given to the customerSetting up of new start up businesses for India region and also providing solutions for Operational set up of new processes guiding and coaching the teams across various processes and managing them on a day to day basis.Meeting Prospective clients for new businesses across PAN INDIA ,GCC & other markets and ensure that the business objectives are seamlessly achieved.Identifying, leading and executing strategic Projects for meeting Customer, Shareholder and Employee Business GoalsLiaising with Business Teams, Senior Client Managers and Directors operating from corresponding regions in order to make effective business decisionResponsibility includes interfacing and driving agenda with the automation & technology teams to build scalable solutionsOffer seamless transition of live processessee less

Dubai

Ensuring that the team does a proper credit verification for the allocated cases and also provide the complete verification and history of the customer in his home country Conduct periodic surprise checks and visits along with the teams in the customers home country to validate the authentication of the same Engaging a Panel of Lawyers for the write off accounts and also ensuring that the Legal notices are sent regularly Handling of NPA/ NPL cases and also ensuring that the amount gets recovered from these customers Coordinating and Recommending for restructuring of cases wherever required and also ensuring that the account gets settled as per the offer given to the customer Setting up of new start up businesses for India region and also providing solutions for Operational set up of new processes guiding and coaching the teams across various processes and managing them on a day to day basis.Meeting Prospective clients for new businesses across PAN INDIA ,GCC & other markets and ensure that the business objectives are seamlessly achieved. Identifying, leading and executing strategic Projects for meeting Customer, Shareholder and Employee Business GoalsLiaising with Business Teams, Senior Client Managers and Directors operating from corresponding regions in order to make effective business decision Responsibility includes interfacing and driving agenda with the automation & technology teams to build scalable solutions Offer seamless transition of live processes

Uae

• Designed and implemented appropriate MIS to monitor daily movement of flows and manage productivity levels of the agents. This has resulted in an objective and quantitative measurement of performance building transparency in the unit.. Working closely with the strategy teams to ensure that the Risk based scoring model for allocations get updated to the teams working on the said portfolios Coordinating with the sales team to ensure that the End of Service Benefit get credited and also ensuring that the same gets accounted into customers loan account with the bank•Expanded a wide network of external agencies both local and overseas to assist in the collection efforts on the non-contactable and write off delinquency pool.•Empanelment of Law firms to increase the capacity for filing legal cases against the delinquent customers Providing inputs to the sales and credit teams for negative areas and negative profile customers and also informing policy to make amendments for the same

Dubai, United Arab Emirates

• Supervision of upto 300+ tele-callers and Agency Managers with responsibility to oversee all aspects of human development and resource allocation to yield optimal output• Experienced in building collections policies and processes to ensure seamless day to day operation in compliance with the bank’s standards. Have passed 2 annual audits for the department• Designed and implemented appropriate MIS to monitor KPIs for the calling and field team and also ensured that movement of flows are in line with the monthly budgets and line with the annualized plan for the unit Setting up of external Agencies and Law firms to handle the recovery portfolios and also setting up of the KPIs and KRAs for the teams working there Filing of court cases wherever required and also ensuring that the cases get the required attention

Mumbai, Maharashtra

.• Building , acquiring and managing international and local client base and group companies across different geographies in India.• Experienced in delivering collection results across a wide range of consumer products including Personal Loans, Auto Loans, Credit Cards and Consumer Financing.• Ensuring cost per dollar collection within acceptable norms of BPO industry while maintaining agreed loss rates of the clients.• Driving the unit as a revenue center for the company and ensure that all clients are billed accurately and in a timely manner.• Have been instrumental in designing and implementing SLAs with clients to maintain clarity of responsibilities both for the company and the clients.• Implemented collection processes and strategies in different regions customizing them to the individual needs of the regions and customer profiles.• Have an extensive knowledge of Fraud Monitoring for Credit Cards from sourcing stage to system parameterization to prevent incidences of unauthorized transactions.• Managed teams of 900+ agents responsible for their training and development needs and career paths

Chennai, Tamil Nadu

. Heading the BFSI vertical and also coordinating with Business development for acquiring new business. Managing the US Mortgage process and also ensuring that the targets get achieved on a monthly basis. Ensuring that the new process gets transitioned across seamlessly and also participating with sales for the new RFPs . Monitoring and managing the shift schedules for the allocated teams and also ensuring that the adequate capacity is in place as required by the client . Chairing the client calls and also updating them on the improvements made for the allocated process . Working closely with the Business Development teams to ensure that new process get added regularly

Chennai

• Successful in designing the process set up for various clients and also managed the SOPs / SLAs for various processes including sales as required for the client across banks/ NBFCs.• Managed a team of 1500 plus agents across various centers and ensured that the clients are delighted with the performances given by the teams there • Responsible for generating new businesses with existing clients also generating additional seats for the existing and fully accountable for ownership of the P&L within the process and responsible for the profits to be earned across processes.• Managing relationship with the relevant stake holders both internally and externally and also accountable for getting new businesses for the company.• Responsible for recruitment, management and training of the teams required for the processes and also ensure that the KPIs are designed effectively.• Responsible for Team Targets and performances and also accountable for coaching/ training / guiding and motivating the team for the required performances .• Responsible for setting up and also training the teams and planning their mile stones required on a daily / weekly / monthly basis across all processes entrusted to the company.• Ensure that the specific KPIs are designed as per the clients requirement and also communicate and provide an update with a buy in from the stakeholders across various clients on the designed KPIs for the team• Passed the internal audit and third party audits of banks with error free audit rating and complied with all AML policies as required by banks.

Mumbai, Maharashtra

• Managed the successful set-up of Tata Finance Credit Card / Smart Fleet Division in various Metros like New Delhi, Kolkata, Bangalore, Hyderabad and Chennai.• Achievement of best set-up of the Sales ,Collections ,Operations, Customer Service (Call Centre) for one of the banks in GCC.• Experienced in delivering collection results across a wide range of consumer products including Personal Loans, Auto Loans, Credit Cards and Consumer Financing• Expanded a wide network of external agencies both local and overseas to assist in the collection efforts on the non-contactable and write off delinquency pool.• Empanelment of Law firms to increase the capacity for filing legal cases against the delinquent customers.

Mumbai, Maharashtra

• Supervision of up to 300+ tele-callers and Agency Managers with responsibility to oversee all aspects of human development and resource allocation to yield optimal output.• Experienced in building collections policies and processes to ensure seamless • day-to-day operations in compliance with the bank’s standards. Have passed 2 annual audits for the department.• Designed and implemented appropriate MIS to monitor daily movement of flows and manage productivity levels of the agents. This has resulted in an objective and quantitative measurement of performance building transparency in the unit.• Expanded a wide network of external agencies both local and overseas to assist in the collection efforts on the non-contactable and write off delinquency pool.• Empanelment of Law firms to increase the capacity for filing legal cases against the delinquent customers

Mumbai, Maharashtra

• Experienced in building collections policies and processes to ensure seamless • day-to-day operations in compliance with the bank’s standards. Have passed 2 annual audits for the department.• Designed and implemented appropriate MIS to monitor daily movement of flows and manage productivity levels of the agents. This has resulted in an objective and quantitative measurement of performance building transparency in the unit.• Expanded a wide network of external agencies both local and overseas to assist in the collection efforts on the non-contactable and write off delinquency pool

Monitoring the Billing teams for monthly collections and ensuring that the targets are achieved Coordinate with various clients for machine payments and also ensure that the given targets get achieved regularly Coordinate with Sales and Service teams to ensure that the client is happy with the services provided to him Conduct regular KAIZEN meetings with the teams and also provide ideas for customer delight Supervising a team of 300+ tele callers and Agency Managers across UAE and ensuring that the delinquency levels / ratios are maintained for the initial bucketsManaging the productivity levels of the agency collections unit and suggesting capacity for the unitEnsuring that the staff is motivated at all times and also suggesting collection strategies to ensure that the FSMA payment gets regularized on a monthly basis.

Masters, Financial Management

Master Of Financial Management, Finance

Bachelor Of Commerce (B.Com), Accountancy