Janagan Velayutham

Manage and oversee a portfolio of delinquent retail, SME, or corporate loans.
• Develop and implement debt recovery strategies to maximize collections and reduce non-performing assets (NPA).
• Monitor portfolio performance using KPIs such as roll rates, recovery rate, cure rate, and write-offs.
• Segment accounts based on risk, aging, and repayment behavior.
• Coordinate with internal collection teams and external collection agencies.
• Negotiate repayment plans, settlements, and restructuring options with customers.
• Ensure compliance with banking regulations and internal policies.
• Review legal accounts and coordinate with legal teams for litigation and recovery actions.
• Prepare portfolio performance reports for senior management.
• Identify process improvements to enhance operational efficiency.

• Negotiate repayment plans, settlements, and restructuring options with customers.

• Ensure compliance with banking regulations and internal policies.

• Review legal accounts and coordinate with legal teams for litigation and recovery actions.

• Prepare portfolio performance reports for senior management.

• Identify process improvements to enhance operational efficiency.

• Managed the sales, Purchase and monitored the each and everyday sales targets by motivating the sales managers and the sales staff, with proper instruction according to the market research and potentials. And promoting the company products in varies outdoor marketing campaigns, social media promotions. Also organizing weekly sales meetings to outcome the short falls to not achieving targets and rectifications.

• Overlooking the overall business finance responsibility of the Company including all bank transactions and activities and inventory management working under Peachtree Accounting Package System.
• Manage the sales, Purchase and monitored the company financial position. Increase the sales and reduced the overhead expenses by monitoring cost daily.
• Organized several marketing campaigns to promote the properties to rent out and Sale, had good client relationship with new and existing clients.

• Oversaw branch team with customer service representatives and personal bankers and implemented training for all new employees.
• Monitoring high profile trade clients on utilization of trade related facilities and ensured a satisfactory percentage is maintained to increase bank profitability.