Ask Question / Post resume

Post a reply to the thread: Prudent Corporate Advisory Services Ltd Ahmedabad : Equity Branch Manager

Your Message

Your Username:

Notes:-
1) You can copy and paste your full resume in the box below.
2) Or you can ask your question. We try to answer, as far as possible.

Title:

[QUOTE=Guest-IJT;125969]MOHAMMED NEHAL
 [B]E-Mail [/B]: mnehal123 AT gmail.com 
Seeking Regional level assignments in Credit, Collections, Fraud and Investigation with a growth oriented organization. 
 
Professional Synopsis
- A dynamic professional with over 8 years of experience in Business  Development, Collections & Recovery , Risk Management and Team  Management across Banks and NBFC’ s. 
- Portfolio Analyzing and Strategy building for Collections and Recoveries.
- A Strategic planner with proficiency in devising strategy for  collection and recovery from clients against pending / unpaid bills  after providing advice on various payment options. 
- Proven track record in Collections and Customer Interaction, resulting  into meeting stiff targets and achieving milestones in Retail Banking  Collections in Kolkata.
- Ability to support and sustain a positive work environment that  fosters team performance with strong communication and relationship  management skills.
Areas of Expertise
Operations
- Collections
o Managing delinquent account collection and establishing terms of  payment as well as getting customers contacted by phone to inform them  of an unpaid account. 
o Preparing MIS reports to provide feedback to top management on  business operations, viz., sales, billing, collection, credit control,  profitability, etc. 
- Recovery Management 
o Conceptualizing & implementing recovery strategies in case of payment defaults.
o Supervising the team for managing high value fraud cases / defaulters /  insolvent clients and initiating appropriate legal actions against  them.
- Risk Management 
o Allocation of cases, capacity planning, ensuring field visits,  curtailing flow rates and normalization of delinquent accounts. 
o Devising and effectuating risk policies & managing wide risks and implementing effective mechanisms to mitigate the same. 
Business Development 
- Exploring potential business avenues; consulting sales operations for  achieving increased business growth and initiating market development  efforts.
- Analysing latest marketing trends and tracking competitors’ activities  and providing valuable inputs for fine tuning sales & marketing  strategies.
Legal Affairs
- Co-ordinating with legal department for sending the legal notices to the non-payment accounts.
- Monitoring accounts & developing reports to ensure compliance with  legal statutes & initiating strong legal action in case of  continuous payment default.
Portfolio Management/ Client Relationship Management 
- Monitoring clients’ portfolio performance, conducting profitability  analysis, rendering sustained advisory services & increasing  retention levels.
- Analysing risk appetite for providing them apt solutions; ensuring solutions provided match risk profile. 
- Providing advisory services to corporate & high net-worth customers on improve funds management and profitability. 
Team Management
- Recruiting, training & monitoring the performance of team members  to ensure efficiency in process, operations and meeting of individual  & group targets.
- Conducting meetings for setting up performance objectives and  designing or streamlining processes to ensure smooth functioning of  collection operations.
Organisational Experience
 Dec’06 – May ‘11 with Hong Kong and Shanghai Banking Corporation Limited, Kolkata
Recovery Manager – Personal Loans
________________________________________
Noteworthy Milestones
- Had handled PL Write off Pool (Stock of over 40 crores)
- Was in the Talent Pool for HSBC Recoveries in 2010 (Appraisal Rating of 1 ‘Outstanding‘ for 2010)
- Improved Personal Loan Recoveries from earlier 19 lacs to 28 lacs plus with two Officers and three Debt Collection Agencies.
- Have worked closely with other departments to track down Customer  disputes/Non starter cases and brought down their resolution frequency  to 90%.
- Managed 30+ delinquency for Personal Loans (Stock of over 15crores  from bucket 4, 6 and 7) and leading a team of two officers and three  Debt Collection Agencies. 
- Have been successful to close all ZT audit requirements with due  diligence and has been able to create audit awareness in the unit.
- Designed Personal Loan Legal Recoveries Policy specific to Kolkata  Market with the help of a lawyer in the team and have set up legal tools  which has been implemented and followed PAN INDIA.
- Maintaining and ensuring due observance of HSBC Internal Control  Standards, including the timely implementation of recommendations made  by internal / external auditors and external regulators.
- Being awarded HEROES consistently for the last four months in HSBC PIL  Collections Kolkata and nominated for Year of Hat trick quarterly meet,  Mumbai -2010.
- Being awarded Best Manager – Eastern India with Net Recoveries of 18+ lacs.
- Being nominated twice for ‘WOW story’ recommended by Head Consumer Credit Risk – HSBC in Nov 2009 and August 2010.
- Received an award in 2007 , Year of Hat trick as the best Pre - Write-off resource PAN INDIA
 May’06-Dec’06 with ABN AMRO Bank NV, Kolkata
Senior Officer – Unsecured Loans 
________________________________________
Noteworthy Milestones
- Managing 30+ delinquency for Personal Loans product (Stock of over  4crores in bucket 1 and 1.5 crores in bucket 2) and leading a team of  two Officers and five external telecallers.
Jan’05-May’06 with Citifinancial Consumer Finance India Ltd, Kolkata 
Assistant Manager________________________________________
 Noteworthy Milestones
- Had handled Madhyamgram branch consisting of a portfolio value of over 4crores from Current to recoveries.
- Had handled a Tele calling Unit consisting of 20+telecallers and 100+ FTE’s.
- Was elected on a special team to review Credit worthiness from  Collections team Eastern India to review sourcing of loans and demarcate  the outer city and negative area limits for loan sourcing.
- Had handled the entire GCL portfolio value of over 2.5crores for Citifinancial Kolkata comprising of eleven branches 
- Received an award for Outstanding Performance in Collections in 2005
Preceding Assignments
 
Aug’03-Jan’05 with ADFC (a service provider of HDFC Bank) as Senior Officer
 Jan’03-Aug’03 with Deepak Associates as Supervisor –Telecalling.
Academia
- B.Com. from Umeshchandra College, Calcutta University in 2001.
IT Skills[]: Well versed with MS Office & Internet[/QUOTE]

All times are GMT +5.5. The time now is 07:35 PM.