Vibin H M

<ul><li>Managed banking collection and recovery operations to achieve assigned collection targets.</li><li>Monitored overdue loan portfolios and delinquency trends to improve recovery efficiency.</li><li>Led collection teams and coordinated with external collection agencies.</li><li>Reviewed daily, weekly and monthly MIS reports and collection performance.</li><li>Implemented recovery strategies to control overdue accounts and reduce delinquency.</li><li>Coordinated with legal and compliance teams on escalated recovery cases.</li><li>Ensured adherence to internal collection policies, customer service standards and applicable regulatory guidelines.</li><li>Identified operational gaps and recommended improvements in collection processes and productivity.</li></ul><p></p>

<p>Customer Relationship Management</p><ul><li>Build and maintain relationships with key customers.</li><li>Understand customer banking and financial requirements.</li><li>Resolve customer complaints and service-related issues.</li></ul><p>Business Development and Sales</p><ul><li>Achieve assigned business and sales targets.</li><li>Promote suitable banking products, including savings accounts, current accounts, loans, credit cards and other financial services.</li><li>Identify opportunities to cross-sell and upsell products to existing customers.</li></ul><p>Key Account Management</p><ul><li>Manage a portfolio of assigned customers or institutional accounts.</li><li>Conduct regular customer meetings and follow up on service requests.</li><li>Improve customer retention and strengthen long-term relationships.</li></ul><p>Revenue and Portfolio Growth</p><ul><li>Generate revenue through appropriate banking products and services.</li><li>Monitor account performance and identify new business opportunities.</li><li>Maintain a pipeline of prospective customers.</li></ul><p>Coordination with Internal Teams</p><ul><li>Coordinate with credit, operations, collections and customer service teams.</li><li>Follow up on loan applications, documentation and account-opening processes.</li><li>Ensure timely resolution of customer requirements.</li></ul><p> Compliance and Documentation</p><ul><li>Ensure KYC documentation and account records are complete.</li><li>Follow bank policies, RBI regulations and applicable compliance requirements.</li><li>Maintain confidentiality of customer information.</li></ul><p> Reporting and Performance Monitoring</p><ul><li>Prepare daily, weekly and monthly business reports.</li><li>Track sales targets, revenue, customer acquisition and retention.</li><li>Report performance and business opportunities to senior management.</li></ul><p></p>

<p>Managed secured and unsecured portfolios including auto loan, two-wheeler loan, used car loan, business loan and personal loan.</p><p> Handled Kochi and Kottayam locations.</p><p> Managed portfolios totaling approximately ₹12–16 crore per month.</p><p> Prepared and sent daily reports and status updates to clients.</p><p> Managed team performance, daily status meetings and client relationships.</p>

<p>Handled project calls and developed project knowledge.</p><p> Managed tele-caller team, client relationships and delivery timelines.</p><p> Prepared monthly reports and status updates for clients.</p><p> Conducted daily team status meetings and monitored delivery quality.</p>

<p>Managed quality team and quality-engineering activities.</p><p> Maintained client database and supported client relationships.</p><p> Prepared daily reports and status updates.</p><p> Managed dialing, scripts, delivery and daily quality/status meetings.</p>