ANOOP RAVINDRAN
Regional Process Manager
Muvattupuzha
Summary
Dynamic individual with hands-on 13 years experience in Microfinance and talent for navigating challenges. Brings strong problem-solving skills and proactive approach to new tasks. Known for adaptability, creativity, and results-oriented mindset. Committed to making meaningful contributions and advancing organizational goals.
Overview
12
12
years of professional experience
2
2
Languages
Work History
REGIONAL PROCESS MANAGER
L&T Finance
09.2022 - Current
- Maximize sales and profitability in the region.
- Set sales target for individual location
- Ensuring 100% achievement of regular and 1 to 30 regular bucket collection efficiency and overall CE(Excluding 360+)
- Ensure compliance with company's policies and operational guidelines
- Optimize and oversee operation to ensure efficiency
- Evaluate performance using key metrics and address issues to improve it
- Performance review of branches -disbursements and collection to achieve 100% target
- Deal with problems by providing creative and practical solutions
- Delivered consistent process improvements through the utilization of data driven decision making methods.
- Report to senior managers on progress and issues
- Assist upper management in decisions for expansion and acquisition
Territory Manager – Micro Loans
L & T Financial Services
12.2018 - 10.2022
- Performance review of Meeting Centers - disbursements and collections to achieve 100% target.
- Review on daily sales and collection against DRR at FLO level.
- Monitoring FLO productivity to ensure MCs are achieving the prescribed productivity.
- Visiting MC and ensuring overall MC hygiene
- Managing equal portfolio distribution within Front-line officers.
- Business expansion
- Ensuring 100% achievement of Regular and 1 to 30 regular bucket collection efficiency and overall CE (excluding 360+).
- Monitoring and reviewing on time deposition and cash in hand %.
- Ensuring process adherence & RCU compliance
Branch Manager – Micro Loans
L & T Financial Services
05.2017 - 11.2018
- Starting business in a new village – Village appraisal and proposal preparation
- Sourcing of Business - Disbursement plan submission to TM
- Monitoring of FLO’s activities and productivity
- Disbursements – Preparation of disbursement documents , verification of KYC documents and bank accounts and processing disbursements
- Preparation of collection documentation – Collection sheet and stickers
- Authorization of Collection and Disbursement Entries
- Customer visits during collection cycle and mandatory visits to Non Starters
- Coordinating with Legal and TM for follow up of intentional defaulters
- Educating FLO’s on products, process and campaigns and driving them to achieve them
Executive – CMBC/Branch Manager / Assistant Branch Manager
ESAF MicroFinance
07.2014 - 05.2017
- Responsible for entire P & L of Branch
- Team Management - Micro Finance
- Handling both Sales & Collection of Unsecured Loans.
- Administration and control of MC’s under Thrissur Territory
- Recruitment of FLO’s and controlling attrition rate within the territory
- Daily field visits to resolve customer disputes and to ensure smooth collections
- Team review and providing training to staff’s for betterment of their performance
- Loan Disbursement and Repayment monitoring
- Customer retention through superb customer service
- Handled Sales and Operations of SHG Account opening and Loans
Education
MBA - Marketing and Systems
Mariyan Academy of Management Studies
01-2013
BCA - undefined
Nirmala College - Mahatma Gandhi University
01-2010
Skills
C, C, VB and Excel
Timeline
REGIONAL PROCESS MANAGER
L&T Finance
09.2022 - Current
Territory Manager – Micro Loans
L & T Financial Services
12.2018 - 10.2022
Branch Manager – Micro Loans
L & T Financial Services
05.2017 - 11.2018
Executive – CMBC/Branch Manager / Assistant Branch Manager
ESAF MicroFinance
07.2014 - 05.2017
BCA - undefined
Nirmala College - Mahatma Gandhi University
MBA - Marketing and Systems
Mariyan Academy of Management Studies
PERSONAL DOSSIER
Date of Birth :01- September -1989
Nationality:Indian
Marital status:Married
Disclaimer
I hereby declare that the above mentioned information is true and i bear the responsibility for the correctness of the above mentioned particulars