Proven Ability to Work in Unison with Team and Management

LOKESH GUBBAIAH

(: 91 9886767620/8147475892

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CAREER SUMMARY

·  Overall 8 years of experience in Financial Operations, Business Development, Credit Appraisal/Management, Collections, Recovery and Client Servicing.

·  Proven ability to work in unison with team and management.

·  Strong communication, presentation, analytical & problem solving skills.

·  Solutions oriented approach with excellent relationship management skills, successfully and consistently delivering the responsibilities of Revenue Generation, Profitability, and Customer Satisfaction.

·  Energetic, competitive achiever who can successfully manage multiple priorities, & perform under pressure in a fast-paced, rapidly changing environment.

PROFESSIONAL SUMMARY

MANASU SOUBARDAH CREDIT CO-OPERATIVE SOCIETY, Sept’10 to till date(Family Business)

Role : Proprietor – Bangalore

BAJAJ AUTO FINANCE, Oct’08 to June’10

Role: Area Manager – Bangalore/Pune

Key Accountabilities :

·  Handling soft buckets & heading 3 states (Karnataka, Chennai & Andhra) from Pune.

·  Accountable for leading a team of Bucket Manager & Executives for achieving preset targets.

·  Expertise in taking Care of Legal and skip Cases.

·  Responsible for Managing Collections of Two Wheeler Loans

·  Adept in handling & managing a healthy portfolio of Two Wheeler Loans.

·  Responsible for credit appraisal, credit administration, supervision, sanction and follow up, recovery of advances/loans and business development.

·  Handling Management information System. Adept in giving training & monitoring the field collectors for enhancing their potential to achieve the target.

·  Solving the issues of non-banking cases and NOC problems.

·  Responsible for Resale of repossessed two wheelers.

·  Responsible for giving presentation on trend & forecasting to the management.

Along with Area Manager additionally handled Operations.

Key Accountabilities:

·  Responsible of handling team of eight along with that handling & Monitoring 15 agencies.

·  Setting up the target for each agency & reviewing the same on weekly & monthly basis.

·  Forecasting monthly targets to team & for agencies and helping them to achieve their targets.

·  Leading efforts across streamlining general administration by scrutinizing flaws and devising strategic measures for betterment.

·  Monitoring the speedy resolution of client queries (non-banking issues with noc problem) & grievances to maximize satisfaction levels.

·  Ensure timely & accurate invoice inputs to avoid billing leakage

·  Responsible for any Escalation management, team development, identify training needs,

·  Providing status and trend analysis report to higher management.

·  Review on processes and provide suggestions to improve overall service.

·  Responsible for employee performance and appraisal review.

·  Responsible on reduce the overall costs/liabilities to enhance profitability through accomplishment of targeted collections.

·  Reduced the delinquency cases by increasing operational efficiency

·  Ensuring optimum capacity planning of agencies at all time.

·  Dexterous in ensuring accurate and timely reporting of all key agency metrics.

·  Identifying and implementing strategies for building team effectiveness by promoting a spirit of cooperation between team members.

·  Expertise in maintaining healthy implementing measures to minimize risks within an independent decision unit to ensure an objective view and decision on credit request and credit exposure.

·  People Management – Employee Development, People process adherence.

SIGNIFICANT MILESTONES

1. Overall reduce the portfolios size from 27000(Cases) to 23000.
2. Reduced the agency size from 45 to 15 which was impact company cost.

PREVIOUS ASSIGNMENTS

CHOLAMANDALAM DBS - Feb’08 to Oct ’08 Role : Deputy Manager in Collections

Key Accountabilities:

·  Responsibilities of entire to credit administration operations.

·  Responsible for appraisal of credit proposal & assessing creditworthiness of clients.

·  Responsible for verifying documents, sanction and disbursement of loans/lease and delinquency analysis in conformity with organizational credit policies.

·  Dexterously handled Personal Loans potential accounts (90 – 120DPD).

·  Identifying and implementing strategies for building team effectiveness by promoting a spirit of cooperation between team members.

·  Responsible for employee performance, providing training, tracking their targets & reviewing the same.

·  Responsible for handling Agency Manager and Executives at achieve preset of targets.

·  Responsible for updating day to day activities to AM

KOTAK MAHINDRA PRIME LTD - May’04 to Jan’08 Role: Deputy Manager in Collections

Key Accountabilities:

·  Looked after the gamut of activities pertaining to Agency Management / Training. Handled 6 agencies and 8 repossession agencies, with a total work force of 30 collectors and 5 supervisors.

·  Handled Sale & Disputes of all the repossessed Vehicles

·  Monitoring and Supervision of Back-end Operations.

·  Provided training to enhance the potential to executives who had under me,

·  Strategically lead a team of Agency Manager and Executives to achieve preset targets

·  Taken Care of Legal and skip Cases, MIS Reports

·  Entrusted with the responsibility of handling Management information System.

·  Proficient in giving training and motivation to Agency Managers to maintain adequate workforce and ensure agency profitability.

TRANS AMERICA APPLE FINANCE - Mar’01- April ’04 Role: Team Leader

(EXCEL ENTERPRISES)

Key Accountabilities:

·  Managing collections of Two Wheeler Loans.

·  Handling 60+ accounts of Two Wheeler Loans.

·  Managing Agency Management /Training.

·  Provided training & to field collectors for enhancing their potential to achieve the target.

·  Ensured optimum capacity planning of agencies at all time.

·  Ensured accurate and timely reporting of all key agency metrics.

·  Adept at liaising and coordinating with branches; efficiently monitored the various operations and developments.

·  Had to report to Collections Manager- Two Wheeler Loans (BANGALORE)

EDUCATIONAL

MBA, 2011( Marketing & Finance) - C V Raman University, Bilaspur.

B.SC, 1999 -Vijaya College, Bangalore University.

SSLC, 1992 - ST: Ann’s High School, Rajajinagar Bangalore.

PROFESSIONAL ENHANCEMENT PROGRAMMES

Training in Finnone - BAJAJ AUTO FINANCE

Training in Direct Cash Collection - BAJAJ AUTO FINANCE

Date of Birth: 10th August 1976.

Interests & Hobbies: Cricket, Reading & Travelling