www.stallionglobal.com Stallion Systems & Solutions Pvt Ltd Kochi : Trainee Finance Executive

[mskavi]

Stallion Systems & Solutions Pvt Ltd ( stallionglobal.com )

We have the following positions vacant, please apply with your latest resume & photograph by mentioning the position and location, at admn@stallionindia.com

Trainee Finance Executives, Kochi :
Freshers with B.com graduates may apply.

Manager - Major Accounts, Mumbai :
Smart Sales person with minimum 7 years total experience and 3 years of experience in handling Major/corporate customers.

Sales Managers / Executives, All over India :
Smart sales person with 3 to 7 years of experience. Kindly mention priority area.

About us :
STALLION is a leading barcode and RFID Solution Provider in India & Middle East with a network of direct offices, dealers and resellers across the country.
Headed by Rajeev Nair, the first trained Barcode professional in India with 18 years of experience in the Barcode Industry.

Contact us :
STALLION SYSTEMS AND SOLUTIONS PVT LTD
Stallion House, Paadam Stop,
K.P.Vallon Road, Kochi-682 020.

Web : http://www.stallionglobal.com

[Guest-IJT]

VINOD KUMAR.D
E-Mail : vinodkumard2009 AT gmail.com ,

Aspiring for challenging managerial positions in Debt Management, Business Management, Portfolio Management, and Customer Relationship Management with a reputed organisation.

Executive Synopsis
An astute professional with 7 years’ overall experience in Strategy Planning, Debt & Risk Management, Customer Relationship Management and Team Management
Presently associated with HongKong and Shanghai Banking Corporation (HSBC), Bangalore as Assistant Manager-Debt Management, Home Loans & SME Loans and Car loans
Proficiency in effectuating strategies for Debt Management, coordinating visits for high-profile clients to redress their problems, and also generating sales leads as a value-added service for the organisation.
Competent in streamlining & improving existing systems / processes, envisioning new methodologies, future trends and driving development, direction and accomplishment.
Track record of receiving numerous awards and appreciation in recognition of superlative performance rendered across assignments, as well as special assignments as a growth opportunity.
Ability to support and sustain a positive work environment that fosters team performance with strong communication and relationship management skills.

Areas of Expertise
Operations
Debt Management
Managing DCA’s to curtail the delinquency string.
Managing and monitoring delinquent account collection and establishing terms of payment as well as handling Vendor Management.
Preparing MIS reports to provide feedback to top management on business operations, viz., billing, collection, credit control, profitability, etc.
Recovery Management
Conceptualizing & implementing recovery strategies in case of payment defaults.
Supervising the team for managing high value fraud cases / defaulters / insolvent clients and initiating appropriate legal actions against them.
Coordinating with the Legal officers in handling the legal activities for all products within Debt Management.
Risk Management
Allocation of cases, capacity planning, ensuring field visits, curtailing flow rates and normalization of delinquent accounts.
Devising and effectuating risk policies & managing wide risks and implementing effective mechanisms to mitigate the same.

Legal Affairs :
Identifying and initiating legal action on chronic cases.
Ensuring notices (Section 138 / Order 37 / Securatisation Act /Lok Adalat/ Arbitration Proceedings/ Liquidation proceedings) are sent as per legal policy.
Ensuring cases are filed before getting time barred.
Ensuring appropriate actions are taken on cases filed for / against the bank.
Coordinating with the Panel advocates on cases where legal recourse needs to be taken to exert more pressure on the customer.
Providing feedback on an ongoing basis on cases where legal recourse has been initiated.
Support and monitor activities of the external legal counsel
Ensuring cases are filed by the legal counsel within agreed time frame.
By tracking efficiency and effectiveness of the legal counsel on a regular basis and providing feedback.
Timely assigning / withdrawing of cases.
Planning and implementing routine visits to court and legal counsel’s office.
Provide relevant details / data to the legal counsel to ensure cases are followed up to its logical end.
Ensuring that two backup legal counsels are in place so that collections / follow up can proceed unhampered
Ensure that all procedures and controls are strictly followed
Keeping abreast of all changes/development in the legal process.
Ensuring that the legal counsel works within the given prescribed by the Bank.
By carrying out routine visits as planned.
Conducting audit checks and giving timely feedback to the legal counsel.

Repossession of Properties under SARFESI :
Taking possession of the secured assets and complete the other requisite formalities for safety and security thereof including appointment of custodian for the assets.
Upon initiation of action under SARFAESI, to remain present and take all the necessary steps for taking symbolic possession/ physical possession, filing of Application U/s. 14 of the Act, opening of bids/ conducting auction process and subsequently completing the sale registration process.

Customer Relationship Management : Enhancing customer satisfaction matrices & monitoring customer complaints. Building and maintaining healthy business relations, ensuring maximum customer satisfaction.

Team Management : Recruiting, training & monitoring the performance of team members to ensure efficiency in collections, operations and meeting of individual & group targets. Conducting meetings for setting up objectives and designing or streamlining processes to ensure smooth functioning of collections.

Experience Chronology
Since March 2005 till date with Hong Kong and Shanghai Banking Corporation (HSBC), Bangalore Current Designation Assistant Manager-Debt Management, Home Loans, SME Loans and Car Loans.

Role

Monitoring collections for Home loans, SME recovery and legal activities for Karnataka.
Publishing daily MIS and tracking, Identification and segmentation of the portfolio for optimum penetration.
Managing DCA’s at different levels and attaining targeted monthly recovery rate, reducing bad debts, provisions / NPA and there by reducing the Delinquency of the region.
To manage operational risk, including its identification, assessment, mitigation and control, loss identification and reporting.
Maintain and ensure due observance of HSBC Internal Control Standards, including the timely implementation of recommendations made by internal/external auditors and external regulators.
Ensure awareness of compliance requirements and implementation of Group Compliance Policy. Maintain awareness of operational risk including its identification, assessment, mitigation and control, loss identification and reporting
Organising visits for high-profile, delinquent customers to understand and resolve issues relating to the services and collections.
Liaising with other departments like Credit and Risk to discuss on the overall performance of the region and general concerns and highlights.
Property visit’s with sale’s and Risk team for possible irregularity in exposure of Loan Pre and post disbursal.
Generating new leads provided to the Sales team as a value addition and coordination with different departments.
Maintaining excellent relations with Revenue Officials and local as well as high ranked Police Officials for the smooth functioning of collection activity.
Coordinating and leading a team for repossession and sale of properties under SARFAESI.
Liaising with Advocates and senior counsels for effective solution on litigations.
Effectively Managing Cost at a regional Level.

Distinctive Highlights

Essayed a key role in the implementation of several formats of MIS reports for the easy presentation of Achievements vs. Targets to the Senior Mangers within collection’s and Legal infrastructure.
Displayed consistent performance by curtailing delinquency for Home loans and SME products years.
Entrusted with additional responsibility for managing Pan India in the absence of the Manager for Mortgages
Streamlining the legal proceedings and proposing new plans to tackle the customer friendly Courts.
Maximum number of repossession and sale of repossessed properties during this tenure.

Laurels & Awards

One Thanks Awards during Aug 2007, One in Aug 2009 and one in Jan 2010 for achievements in the portfolio handled and closure of many chronic cases in the portfolio awarded by National Manger Mortgages and Senior Vice President Consumer Credit Risk.

Special appreciation from Head Consumer Credit Risk Mr Robin Convey and Chief Risk Officer and Mr David Boycott for superlative performance during 2010 in Mumbai.

June’04 to Feb’07 with Manipal Housing Finance Corporation Ltd, Bangalore as Recovery Officer–Debt Management

Role
Monitoring collection activities for Karnataka and coordinating Internal Audits, in compliance with prescribed guidelines.
Handling the publication of daily MIS and tracking attained vis-à-vis planned performance figures.
Checking Live Sheet updates and monitoring cash/ cheque deposits.
Managing Debt Collection agencies at different levels and ensure the targeted monthly recovery rate is achieved.
Coordinating visits for high profile, delinquent customers to understand and address issues relating to the services and collections.
Collaborating with other departments for meeting overall performance figures of the Branch as a whole.
Providing value-added services by generating new sales leads.

Educational Credentials

B.A. (Bachelor of Arts) from Bangalore University, St.Josephs College in the year April -2006.
PUC. From St Josephs College Bangalore completed in the year 2003.
ITI (ELECTRONIC MECHANIC) at NTTF in the year July 2000
SSLC. From Christ English Medium School, Bangalore completed in the year 1996.

Courses Completed
Group Fraud Risk- Social Engineering
Internal Fraud – Group Fraud Risk
Group Anti Money Laundering
HSBC Business Continuity Awareness
Making A difference with One HSBC- Test of Knowledge
Under standing One HSBC Account Opening Capabilities
Making a difference with One HSBC
Operational Risk Awareness
HSBC Information Security Risk and Privacy/Data Protection Awareness.