Sairam J
About Sairam J
Sairam J serves as the Head of Debt Management System Process and Process Governance at IndusInd Bank, where he has worked since 2016. He has extensive experience in debt management and collections, having previously held significant roles at Deutsche Bank and Citigroup Global Services Ltd.
Current Role at IndusInd Bank
Currently, Sairam J serves as the Head of Debt Management System Process and Process Governance at IndusInd Bank. He has held this position since 2016, contributing to the bank's operational efficiency in Bangalore Urban, Karnataka, India. In this role, he has designed and implemented collections systems that support various collection models, including digital, phygital, voice-based, and field collections. His leadership has been instrumental in enhancing the bank's debt management strategies.
Previous Experience at Deutsche Bank
Sairam J worked at Deutsche Bank from 2011 to 2016, where he held the position of Head of Unsecured Collections Strategy and Operations. He was responsible for overseeing collections strategies and operations during his five-year tenure in India. Prior to this role, he served as the Regional Manager South and Manager of Special Projects from 2008 to 2011, which involved extensive business travel across Kolkata.
Educational Background
Sairam J has a strong educational background in management and commerce. He studied at the Indian Institute of Management, Calcutta, where he completed an Executive Programme in Global Management from 2014 to 2016. He also holds an Advanced Diploma in Sales and Marketing Management from NIS Sparta, obtained from 1996 to 1998. Additionally, he earned a Bachelor of Commerce (B.Com.) degree from MES College of Arts Commerce and Science, Bangalore, from 1995 to 1998.
Contributions to Debt Management and Collections
Throughout his career, Sairam J has made significant contributions to debt management and collections processes. He played a pivotal role in the migration of a card system, which was crucial for the project's success. He developed a unified system to manage multiple financial products, including credit cards, term loans, and overdraft products. His collaboration with analytics, credit, and business teams has helped scale up customer bases and product offerings.
Experience at Citigroup Global Services Ltd.
Sairam J's experience at Citigroup Global Services Ltd. includes roles as Unit Head for Centralised Recovery Initiatives and North Recoveries from 2007 to 2008, and as Unit Head for South 2 Card Recoveries from 2005 to 2007. In these positions, he focused on improving recovery processes and implementing strategies to enhance operational efficiency.