Ramesh Ram
Relationship Officer
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About
Sincere, diligent & focused, dynamic professional with 8 years of experience in various Financial Companies of Banking and Non-Banking. Within the entire spectrum of Car loans, fostering strong client relationships, revenue generation, improving profitability.
Experience
Relationship Officer - SHRIRAM FINANCE LTD - Sathyamangalam, Erode
(2017 - 2020)
Product: Commercial Vehicle Finance. Role: Sales and Collection
Senior Field Officer - EQUITAS SMALL FINANCE BANK - Gobichettipalayam, Erode
(2020 - 2021)
Product: Commercial Vehicle Finance. Role: Sales and collection
Team Leader - CONNEQT BUSINESS SOLUTIONS PVT LTD
(2021 - 2024)
Product: AXIS BANK's Agri. Loans Collections. Role: Team Handling
Assistant Manager - BAJAJ AUTO CREDIT LTD
(2024 - 2026)
Product: 3 Wheeler's Loans Collections. Role: Collection Officer
ACM - IKF FINANCE LTD
(2026)
Product: Commercial Vehicle And MSME Finance. Role: Recovery Manager
- Being a Relationship Officer dedicated customer service to all my managed and mapped customers and business through service.
- Regular Monitoring of the accounts and relationship with Executives to increase the wallet share through cross-selling, Collections in Delinquent accounts and Repossession of default accounts.
- Cross Selling various banking products to the existing and new customers.
- Ensure timely and prominent service delivery.
- Identifying new business Correspondent/Channel Partner and empaneling them with banks for Business Development Purpose.
- Regularly update the MIS to Senior about loan-Login files, repayment detail, delinquency customer repayment Status on daily Basis. Enforced credit policy and assured adherence to accepted standards.
- Regular follow up and Negotiate with Delinquent customer for closure of NPA cases.
- Prompt Response and answer/resolve customer inquiries and complaints.
- Collection officer for 3 Wheeler Auto loan.
- Maintain Agency Staffs and follow up collections.
- Follow up Bucket X, 1, 2 cases to give good resolution, Take Repossession & legal interventions.
- I have good Experience and great portfolio knowledge in Districts of Erode, Salem, Dharmapuri & Krishnagiri.
Education
S.S.L.C - Government Higher Secondary School, Velliyanai, Karur (2010)
H.S.C - Government Higher Secondary School, Kasipalayam, Gobichettipalayam (2012)
B.Sc. - Computer Science - Gobi Arts and Science College, Gobichettipalayam (2015)
