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Work Background
Bajaj FinservRegional Sales Manager
Nov. 2019 - Mar. 2021Chennai Area, IndiaPersonal Loans
Veritas Finance Private LimitedSnr AVP Collections
Jun. 2018 - Nov. 2018Chennai Area, India• To achieve collection targets for the portfolio across the marketplace. • Meeting the Target on Cost of Collections. • Setting up and managing the entire collections process and infrastructure • Building the collection strategy for the portfolio • Managing and leading the inhouse collections team • Managing interface with legal team • Working closely with risk, analytics and business teams • Management of Customers, Agencies, Lenders on the marketplace
Jana Small Finance BankREgional Head
Jun. 2016 - Feb. 2018Chennai• Responsible for the overall P&L performance of the rgion • Oversight for business target achievement,operations, customer relationship,portfolio quality, audit and compliance, HR process adherence,hiring, engagaement and talent management within the region • Regional budgeting, business monitoring and review, portfolio quality review, participating in regional industry body meets • Customer interactions and escalation handling • Implementation of business and IT processess • Building relationships with critical stakeholiders such as law enforcement etc • Implementation of audit and compliance processess and recommendation • Managing the microfincance product for Chennai and Pondicherry(both sales and collections) • Built up branches from 18 to 28 across • Setting up semi urban branches across the region managed • With a team of 28 branch heads, 6 Cluster heads ,50 Area heads and 400 plus field teams , managed to take up the micro finance business up to 200 cr in a month • Collections have been micro managed to the extent of driving the team daily, weekly and monthly both on regular and portfolio at risk cases • Work involved daily visits to customers if need be with heavy interaction and detailed information sharing on prompt and effective payment • Conducted several events to build up engagement and bonding with customers • Various activities launched to enhance team building activities
Citibank IndiaSenior Relationship Manager
Jan. 2014 - Mar. 2015Chennai•Increasing business volumes by appointing new channel partners to promote homeloans and mortgages •Creating awareness in the real estate market –Relationship building and taking it forward for further business •Building a strong relationship with various top notch developers in the market to tap the right market segment
Matrimony.com Pvt LtdHead-Field Sales and Collections
Mar. 2013 - Jan. 2014Chennai• Driving Sales Initiatives through a field force of 235 executives (Upsell on Packages) • Increased the Sales Revenue by 25% every month • Set up Sales teams within each region to drive the Sales Targets • Initiated and developed modules to track and improve Sales Effectivenes • Introducing and implementing Tablets for Field Executives to drive Sales Products and Packages thereby boosting Sales Revenue(in the process) • Managing the Pan India Door Step Collections • Setting up business by developing a complete Collections structure at PAN India Level • Initiate Compliance and Audit Policies for the Collections Department • Focus on Colllection Effectiveness combined with Manpower Planning and Current Capacity Utilisation
Barclays Bank PLCArea Recovery Manager
Nov. 2008 - Nov. 2012• Heading the Credit Cards, Personal and Business Loans receivables for Tamilnadu and Kerala. • Handling a portfolio of 80 crores in card recoverables. • Management of agency managers to ensure that the targets are consistently met • Lead and set up channels in Chennai, Coimbatore and Cochin • Grown the volume of recoveries five times over in a calendar year • Increased the Rate of Recovery and consistently reduced the cost of collections through innovations • Formulate collection policies and procedures and monitor implementation of the same. • Prepare monthly target statistics and prepare Team reports for Senior Management • Analysis for Agencies to evaluate the monthly performances and to increase the rate of recovery
Barclays Bank PLCState Head-Credit Cards Tamilnadu
Jun. 2008 - Nov. 2008Chennai• Set up business in Coimbatore by developing a 50 seater Direct Sales Team • Cards Sales in Coimbatore went up to 2000 applications with an approval rate of 50%
Barclays Bank PLCRelationship Manager
May. 2007 - Jun. 2008Chennai• Managed Credit Cards sales. • Set up business in Chennai by developing a 150 seater Direct Sales Team • Lead and support Channel Partners to ensure the sales targets are consistent. • Guide the Channels in developing strategies for managing their business operations. • Initiate and execute plans to improve sales effectiveness with focus on volumes. • Initiate and execute plans to streamline quality,productivity and consistency
HSBCSenior Relationship Manager-Personal Loans
Jan. 2007 - Jun. 2007Chennai• Lead a team of eight bank officers headed by the Sales manager • Handled Personal Loan sales for Chennai • Follow-up with the credit managers for the decisioning of the cases • Liasoning with the preapproval and the post approval team for the smooth and fast processing of files and of post approval documents • Appointed & encouraged new channel partners & added zeal element to the existing ones with new schemes. • Guide the Channels in developing strategies for recruitment,retention,training,motivation and development of sales force.
HSBCRelationship Manager Credit Cards
May. 2004 - Jan. 2007Chennai Area, India• Managed Credit Cards sales by single handedly opening the 1st ever Telemarketing unit (Direct Sales Team) in Chennai • Set up business in Chennai by increasing several such units across different locations thereby expanding the overall team to approx 250 telecallers being supervised under various Business Managers directly reporting into me • Initiate and execute plans to improve sales effectiveness with focus on volumes. • Initiate and execute plans to streamline quality,productivity and consistency. • Lead and support Channel Partners to ensure the sales targets are consistent. • Guide the Channels in developing strategies for managing their business operations. • Select, Monitor, track and evaluate sales data to ensure satisfaction of sales objectives. • Form strategic alliances with key business partners to maintain competitive edge. • Develop and execute action plans for increased market share and profitability • Led in the achievement of sales targets on the assigned region by focusing on cross sell programs • Effectively managed and implemented marketing communication programs and has enjoined with other departments to support the objectives.
Prodigic ConceptsBusiness Manager
Jan. 2001 - May. 2004Chennai• Direct sales of HSBC Credit Cards and Personal Loans • This first telecalling agency for HSBC which grew to the extent of converting 1000 Credit cards a month at the highest approval rate Pan India • Generation of Database and managing cross selling exercises.
Tymshare - DSA for CitibankTeam Leader
Feb. 1996 - Dec. 2000Chennai• Driving a pilot project for Citibank credit cards on Retention, Anti attrition and Heading for closure cases • Promoting New schemes to drive the project in a profitable manner • Was part of the 1 million card celebration with Citibank
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