CHARULATHA RAJAMANI

• Processed and applied high-volume daily cash receipts (ACH, wire transfers, checks, credit cards) with a high level of accuracy, ensuring timely posting to customer accounts
• Reconciled unapplied and misapplied payments by researching discrepancies, reducing outstanding balances and improving account accuracy
• Collaborated with AR, billing, and collections teams to resolve payment issues and maintain accurate aging reports
  Reduced unapplied cash by identifying root causes and implementing process improvements
• Maintained detailed and accurate financial records, supporting month-end close and audit requirements
• Communicated with customers to obtain remittance details and resolve short payments or disputes
• Assisted in streamlining cash application , improving efficiency and turnaround time
• Ensured compliance with internal controls, financial policies, and documentation standards

• Reviewed and processed high-volume customer credit applications for telecom services, ensuring accuracy and completeness of financial and personal data.
• Analyzed creditworthiness using internal systems, credit bureau reports, and payment history to determine risk levels and approval decisions.
• Approved, declined, or recommended modifications to applications based on company credit policies and risk guidelines.
• Established and adjusted customer credit limits in alignment with risk assessments and business rules.
• Collaborated with sales and customer service teams to resolve application discrepancies and support customer onboarding.
• Maintained compliance with regulatory requirements and internal credit policies throughout the application process.
• Monitored and updated customer accounts, ensuring accurate documentation and record-keeping.
• Assisted in reducing bad debt exposure by identifying high-risk applications and recommending appropriate actions.
• Handled customer inquiries regarding credit decisions in a professional and timely manner.

Pls Note : There is a gap for 6 months from Jan 2020 till June 2020 with the same company due to visa renewal process.

• Handled day to day operations.
• Maintain CRM and generating sales status report of products.
• Driving banking partners to met the goals at the specified time Key Responsibilities.
• Interacting with relevant stakeholders, mostly CS, KAM and Bank Partners based India responsible for day-to-day operations.
• Responsible for the back - office operations for corporate clients and BB applications.
• This includes planning, coordinating, monitoring and reporting of back-office transactions activities.
• Responsible for data transactions reconciliation of operations data referred from Bank to the partners and approved account related.
• Perform Data Management and make meaningful interpretation of the data through Analysis for conceptualization and implementation of data.
• Responsible for the process updates to procedures in supporting corporate client back-office activities post launch.
• Management reporting and answering queries for the owned accounts.
• Performing all the above tasks with highest integrity in handling data, and subject to compliance and Information Security Norms prevalent in the geography where partner operations are based.
• Met with stakeholders to establish favorable business relationships and support mutually beneficial interests.
• Analyzed key aspects of business to evaluate factors driving results and summarized into presentations.
• Evaluated trends to understand competitive environments and assess current strategies.
• Identified process inefficiencies through gap analysis and outlined sensible solutions.

HANDLED HOME TUITIONS FOR KIDS AS A PART TIME

(2011-2014)