Hi, I’m
RAVIDRAN A/L MADHAWANBALAIKRISHNAN
Summary
Results driven Credit Collection and Debt Recovery Specialist with 15+ years of experience in managing high value debt portfolios, leading teams, and implementing strategies to minimize financial losses. Proven ability to reduce bad debt by 1520%, improve recovery rates, and train high performing teams. Expertise in credit cards, personal loans, mortgages, and hire purchase accounts. Proficient in MS Office, VOLARE, and ANNETO DMS. Fluent in Bahasa Malaysia and English.
Professional in financial recovery with solid experience in identifying discrepancies, analyzing data, and implementing effective recovery plans. Strong focus on team collaboration and achieving results, adaptable to changing needs, and highly reliable. Skilled in data analysis, problem-solving, and process improvement with keen eye for detail and accuracy. Known for excellent communication and interpersonal abilities that facilitate successful outcomes.
Overview
17
years of professional experience
Work History
Firsthitsolution Sdn Bhd
Credit Collection, Debt Recovery Analyst/Consultant
04.2021 - Current
Job overview
- Reduced bad debt by 15% through targeted collection strategies and team training
- Led a team of 12 recovery supervisors, improving efficiency by 30%
- Negotiated repayment plans, achieving a 95% success rate in resolving delinquent accounts
- Collaborated with cross functional teams to resolve escalated disputes, ensuring 100% compliance with legal standards
Effective Risk Management Sdn Bhd
Credit Recovery Consultant
01.2020 - 12.2020
Job overview
- Recovered MYR 3.5M out of MYR 5M in overdue accounts within 6 months
- Reduced delinquency rates by 25% through effective negotiation and repayment plans
- Ensured 100% audit readiness by maintaining accurate records and compliance with regulations
Mercantile Shared Services Sdn Bhd
Audit Officer (Contract Basis)
01.2019 - 12.2019
Job overview
- Identified MYR 1.2M in cost saving opportunities through internal audits
- Prepared detailed audit reports, ensuring 100% compliance with company policies
Effective Risk Management Sdn Bhd
Recovery Manager
01.2016 - 12.2016
Job overview
- Reduced NPL accounts by 20% through targeted recovery strategies
- Trained and mentored 15 recovery officers, improving team performance by 25%
Mercantile Shared Services Sdn Bhd
Senior Operation Manager
01.2014 - 12.2014
Job overview
- Recovered MYR 8M in delinquent accounts through effective collection strategies
- Improved team efficiency by 20% through leadership and training
Toyota Capital
Credit Controller (Contract Basis)
01.2012 - 12.2012
Job overview
- Achieved a 90% recovery rate for hire purchase loans
- Reduced delinquency rates by 15% through early care strategies
Express Solution Sdn Bhd
Senior Credit Controller
01.2010 - 12.2010
Job overview
- Recovered MYR 2M in delinquent accounts for credit cards and personal loans
- Reduced delinquency rates by 10% through proactive monitoring
Kudrat Partners & Co.
Senior Recovery Officer (Junior Executive)
01.2008 - 12.2008
Job overview
- Achieved a 95% recovery rate for credit cards and personal loans
- Reduced delinquency rates by 10% through effective collection strategies
Education
Sijil Pelajaran Malaysia (SPM)
01.2000
University Overview
- demonstrating strong academic foundation.
- GPA: Achieved 6 credits
Skills
- Debt Recovery & Credit Collection
- Team Leadership & Training
- Risk Management & Compliance
- Financial Analysis & Reporting
- Negotiation & Dispute Resolution
- Strategic Planning & Budgeting
- Software: MS Office
- Software: VOLARE
- Software: ANNETO DMS
- Delinquent account notification
- Aging reports analysis
- Process improvement
- Skip tracing
- Persuasive negotiation
- Dispute resolution
- Presentation skills
- Problem-solving aptitude
- Professional demeanor
- Telephone etiquette
- Debt repayment negotiation
- Managing delinquent accounts
- Data analysis
- Customer retention
- Payment management
- Billing procedures
- Paperwork processing
- Continuous improvement
- Payment processing
- Training and teaching
- Interpersonal communication
- Fair debt collections practices
- Pleasant telephone demeanor
- Account monitoring
- Professionalism
- Goal setting
- Computer literacy
- Analytical thinking
- Conflict resolution
- Interpersonal skills
- Client relationship management
- Customer relationship management
- Self motivation
- Work Planning and Prioritization
- Task prioritization
- Analytical and critical thinking
- Team building
- Negotiation and resolution
- Professional ethics
- Microsoft office
- Debt recovery
- Payment scheduling
- Creative problem solving
- Debt settlement
- Verbal and written communication
- Effective communication
Accomplishments
- Reduced bad debt by 15-20% across multiple roles.
- Recovered MYR 3.5M out of MYR 5M in overdue accounts.
- Improved team efficiency by 20-30% through leadership and training.
- Achieved 95% success rate in negotiating repayment plans.
Languages
Bahasa Malaysia
English
Personal Qualities
- Creative Problem Solver: Skilled at finding innovative solutions to complex challenges.
- Independent & Motivated: Takes initiative and delivers results with minimal supervision.
- Continuous Learner: Passionate about personal and professional growth.
Timeline
Credit Collection, Debt Recovery Analyst/Consultant
Firsthitsolution Sdn Bhd
04.2021 - Current
Credit Recovery Consultant
Effective Risk Management Sdn Bhd
01.2020 - 12.2020
Audit Officer (Contract Basis)
Mercantile Shared Services Sdn Bhd
01.2019 - 12.2019
Recovery Manager
Effective Risk Management Sdn Bhd
01.2016 - 12.2016
Senior Operation Manager
Mercantile Shared Services Sdn Bhd
01.2014 - 12.2014
Credit Controller (Contract Basis)
Toyota Capital
01.2012 - 12.2012
Senior Credit Controller
Express Solution Sdn Bhd
01.2010 - 12.2010
Senior Recovery Officer (Junior Executive)
Kudrat Partners & Co.
01.2008 - 12.2008
Sijil Pelajaran Malaysia (SPM)
Similar Profiles
GAUTHAMT VELAYUDAMGAUTHAMT VELAYUDAM
OPERATION EXECUTIVE at AGENSI SRI BINTANG SDN BHD, SB LOGISTICS SDN BHD, KAMI GLOBAL VENTURE SDN BHDOPERATION EXECUTIVE at AGENSI SRI BINTANG SDN BHD, SB LOGISTICS SDN BHD, KAMI GLOBAL VENTURE SDN BHD
ELAINE TEHELAINE TEH
FOUNDER / BUSINESS DEVELOPMENT DIRECTOR at TEAM MOXIM SDN BHD (formerly The Moxim House Sdn Bhd)FOUNDER / BUSINESS DEVELOPMENT DIRECTOR at TEAM MOXIM SDN BHD (formerly The Moxim House Sdn Bhd)
Muhammad Hafiz Bin EmranMuhammad Hafiz Bin Emran
Senior Assistant Technical Operation (Helpdesk) at DST Network Sdn Bhd | USMS Sdn BhdSenior Assistant Technical Operation (Helpdesk) at DST Network Sdn Bhd | USMS Sdn Bhd
BRITTANY BLYTHEBRITTANY BLYTHE
Direct Sales Consultant/Credit Consultant/Debt Recovery Officer at Affordable Car LoanDirect Sales Consultant/Credit Consultant/Debt Recovery Officer at Affordable Car Loan
Gregshunda R. JeffersonGregshunda R. Jefferson
Collection Manager I, Debt Management Recovery Team at U.S. BankCollection Manager I, Debt Management Recovery Team at U.S. Bank