Directeur des prêts sur gage

• Feb 2023 - Present

"I am a seasoned Gold Banking Specialist with a distinguished career spanning more than 15 years in Gold Jewellery, Gold Loan, Gold Loan Product Development, and Gold Loan Marketing Strategy, both in India and on the international stage. My expertise extends to establishing and managing various departments, authoring comprehensive manuals and SOPs, and overseeing all aspects of Gold Loan operations. I have previously held pivotal roles as the head of Business, HR, and Operations, and have had… Show more "I am a seasoned Gold Banking Specialist with a distinguished career spanning more than 15 years in Gold Jewellery, Gold Loan, Gold Loan Product Development, and Gold Loan Marketing Strategy, both in India and on the international stage. My expertise extends to establishing and managing various departments, authoring comprehensive manuals and SOPs, and overseeing all aspects of Gold Loan operations. I have previously held pivotal roles as the head of Business, HR, and Operations, and have had the privilege of serving as the Exclusive Gold Loan Head. Currently, I excel as a Gold Banking Specialist, responsible for the end-to-end management of all Gold Banking activities. This encompasses lead generation, sales, operations, audit, risk management, and finance. I am passionate about the Gold Banking industry and committed to driving excellence in this dynamic field." Show less "I am a seasoned Gold Banking Specialist with a distinguished career spanning more than 15 years in Gold Jewellery, Gold Loan, Gold Loan Product Development, and Gold Loan Marketing Strategy, both in India and on the international stage. My expertise extends to establishing and managing various departments, authoring comprehensive manuals and SOPs, and overseeing all aspects of Gold Loan operations. I have previously held pivotal roles as the head of Business, HR, and Operations, and have had… Show more "I am a seasoned Gold Banking Specialist with a distinguished career spanning more than 15 years in Gold Jewellery, Gold Loan, Gold Loan Product Development, and Gold Loan Marketing Strategy, both in India and on the international stage. My expertise extends to establishing and managing various departments, authoring comprehensive manuals and SOPs, and overseeing all aspects of Gold Loan operations. I have previously held pivotal roles as the head of Business, HR, and Operations, and have had the privilege of serving as the Exclusive Gold Loan Head. Currently, I excel as a Gold Banking Specialist, responsible for the end-to-end management of all Gold Banking activities. This encompasses lead generation, sales, operations, audit, risk management, and finance. I am passionate about the Gold Banking industry and committed to driving excellence in this dynamic field." Show less

Director

• Sep 2022 - Present

Business Setup and Management: Sales Strategy: Formulated and executed comprehensive sales strategies to drive business growth and achieve sales targets. Digital Marketing: Implemented digital marketing initiatives to enhance brand presence and customer engagement. HR Strategies: Developed and implemented HR strategies, including manpower planning, recruitment and selection, employee relations, compensation and benefits management, training and development, and performance… Show more Business Setup and Management: Sales Strategy: Formulated and executed comprehensive sales strategies to drive business growth and achieve sales targets. Digital Marketing: Implemented digital marketing initiatives to enhance brand presence and customer engagement. HR Strategies: Developed and implemented HR strategies, including manpower planning, recruitment and selection, employee relations, compensation and benefits management, training and development, and performance and rewards management. Branch Expansion: Spearheaded branch expansion efforts, aligning them with the company's growth objectives. Financial Management: Oversaw all financial aspects, including budgeting, forecasting, and analysis, ensuring sound financial management. Market Expansion: Identified and assessed growth opportunities in existing and potential markets, setting clear goals and objectives for the vertical. Strategic Alliances: Established strategic alliances and partnerships with fintech players across the gold loan value chain. Performance Evaluation: Regularly assessed overall company performance and adjusted strategies as needed. Revenue Generation and Client Relations: Sales Leadership: Led a nationwide sales team to achieve sales targets, while nurturing key customer relationships. Agreements: Negotiated and closed agreements with large customers, ensuring their satisfaction. Performance Analysis: Monitored and analyzed performance metrics, recommending improvements and solutions aligned with client needs. Marketing Alignment: Collaborated with Marketing and Product Development departments to maintain brand consistency. Zone and Region Oversight: Monitored the performance of multiple zones and regions, ensuring targets were met or exceeded. Cross-Selling: Effectively cross-sold and upsold TVS Credit products to customers, promoting financial growth. Compliance Monitoring: Ensured asset quality, compliance, and adherence to standard operating procedures (SOPs). Show less Business Setup and Management: Sales Strategy: Formulated and executed comprehensive sales strategies to drive business growth and achieve sales targets. Digital Marketing: Implemented digital marketing initiatives to enhance brand presence and customer engagement. HR Strategies: Developed and implemented HR strategies, including manpower planning, recruitment and selection, employee relations, compensation and benefits management, training and development, and performance… Show more Business Setup and Management: Sales Strategy: Formulated and executed comprehensive sales strategies to drive business growth and achieve sales targets. Digital Marketing: Implemented digital marketing initiatives to enhance brand presence and customer engagement. HR Strategies: Developed and implemented HR strategies, including manpower planning, recruitment and selection, employee relations, compensation and benefits management, training and development, and performance and rewards management. Branch Expansion: Spearheaded branch expansion efforts, aligning them with the company's growth objectives. Financial Management: Oversaw all financial aspects, including budgeting, forecasting, and analysis, ensuring sound financial management. Market Expansion: Identified and assessed growth opportunities in existing and potential markets, setting clear goals and objectives for the vertical. Strategic Alliances: Established strategic alliances and partnerships with fintech players across the gold loan value chain. Performance Evaluation: Regularly assessed overall company performance and adjusted strategies as needed. Revenue Generation and Client Relations: Sales Leadership: Led a nationwide sales team to achieve sales targets, while nurturing key customer relationships. Agreements: Negotiated and closed agreements with large customers, ensuring their satisfaction. Performance Analysis: Monitored and analyzed performance metrics, recommending improvements and solutions aligned with client needs. Marketing Alignment: Collaborated with Marketing and Product Development departments to maintain brand consistency. Zone and Region Oversight: Monitored the performance of multiple zones and regions, ensuring targets were met or exceeded. Cross-Selling: Effectively cross-sold and upsold TVS Credit products to customers, promoting financial growth. Compliance Monitoring: Ensured asset quality, compliance, and adherence to standard operating procedures (SOPs). Show less

Associate Vice President

• Mar 2019 - Sep 2022

Team Leadership: Leadership: Led and managed a team of professionals within the Gold Loan vertical, setting clear objectives and providing guidance. Cultural Development: Fostered a collaborative and high-performance culture, emphasizing excellence, accountability, and continuous learning. Mentorship: Provided mentorship and support to team members, monitoring their performance and offering regular feedback. Resource Allocation: Collaborated with… Show more Team Leadership: Leadership: Led and managed a team of professionals within the Gold Loan vertical, setting clear objectives and providing guidance. Cultural Development: Fostered a collaborative and high-performance culture, emphasizing excellence, accountability, and continuous learning. Mentorship: Provided mentorship and support to team members, monitoring their performance and offering regular feedback. Resource Allocation: Collaborated with Regional Heads to align staffing and resource allocation with business needs. Stakeholder Management: Banking Partners: Managed relationships with existing banking partners, ensuring satisfaction and retention. Partnership Expansion: Identified and onboarded new banking partners, expanding offerings in the Gold Loan vertical. Rate Management: Proactively monitored rate movements and liability profiles of partners, managing any rate changes effectively. Key Stakeholder Engagement: Fostered relationships with key stakeholders, including regulatory bodies, industry associations, and financial institutions. Risk Management: Risk Mitigation: Implemented effective risk management strategies to safeguard the division's interests. Portfolio Health: Monitored the overall portfolio health, including delinquency levels, and took appropriate actions to ensure portfolio quality. Mark-to-Market Analysis: Monitored the mark-to-market status of the portfolio and planned gold auctions to ensure zero LTV breaches. Regulatory Compliance: Stayed updated on industry trends and regulatory changes to ensure compliance. Brand Promotion: Brand Equity: Oversaw brand promotion initiatives and marketing campaigns to enhance brand equity. Market Presence: Ensured a strong market presence and customer engagement through strategic branding. Show less Team Leadership: Leadership: Led and managed a team of professionals within the Gold Loan vertical, setting clear objectives and providing guidance. Cultural Development: Fostered a collaborative and high-performance culture, emphasizing excellence, accountability, and continuous learning. Mentorship: Provided mentorship and support to team members, monitoring their performance and offering regular feedback. Resource Allocation: Collaborated with… Show more Team Leadership: Leadership: Led and managed a team of professionals within the Gold Loan vertical, setting clear objectives and providing guidance. Cultural Development: Fostered a collaborative and high-performance culture, emphasizing excellence, accountability, and continuous learning. Mentorship: Provided mentorship and support to team members, monitoring their performance and offering regular feedback. Resource Allocation: Collaborated with Regional Heads to align staffing and resource allocation with business needs. Stakeholder Management: Banking Partners: Managed relationships with existing banking partners, ensuring satisfaction and retention. Partnership Expansion: Identified and onboarded new banking partners, expanding offerings in the Gold Loan vertical. Rate Management: Proactively monitored rate movements and liability profiles of partners, managing any rate changes effectively. Key Stakeholder Engagement: Fostered relationships with key stakeholders, including regulatory bodies, industry associations, and financial institutions. Risk Management: Risk Mitigation: Implemented effective risk management strategies to safeguard the division's interests. Portfolio Health: Monitored the overall portfolio health, including delinquency levels, and took appropriate actions to ensure portfolio quality. Mark-to-Market Analysis: Monitored the mark-to-market status of the portfolio and planned gold auctions to ensure zero LTV breaches. Regulatory Compliance: Stayed updated on industry trends and regulatory changes to ensure compliance. Brand Promotion: Brand Equity: Oversaw brand promotion initiatives and marketing campaigns to enhance brand equity. Market Presence: Ensured a strong market presence and customer engagement through strategic branding. Show less

Chief Manager HR and Business Development

• Apr 2017 - Mar 2019

Business Development,Branch Expansion and HR Consultant with Gold Loan Growth of more than 50% Business Development,Branch Expansion and HR Consultant with Gold Loan Growth of more than 50%

Senior Manager

• Aug 2016 - Mar 2017

TM-Change Management Office

• Mar 2009 - Feb 2015

1. Summarily, leading The Muthoot Group's Business Transformation Project in partnership with McKinsey & Co. 2. Responsible for project management, planning & implementation of Business Transformation project across pilot regions and scale-up to +1400 branches across 23 regions; new product development and branch performance management. 3. Leading host of strategic initiatives including business and functional. Regional Office Org. Restructuring, developing Muthoot’s White Label… Show more 1. Summarily, leading The Muthoot Group's Business Transformation Project in partnership with McKinsey & Co. 2. Responsible for project management, planning & implementation of Business Transformation project across pilot regions and scale-up to +1400 branches across 23 regions; new product development and branch performance management. 3. Leading host of strategic initiatives including business and functional. Regional Office Org. Restructuring, developing Muthoot’s White Label ATMs business into value proposition in North India; exploring expansion opportunities in possible markets 4. Within the Marketing function, involved in a consulting role engaging in all strategic decision making processes including discussions with Creative, Media & Digital Agencies to align product communications and strategic corporate objectives Show less 1. Summarily, leading The Muthoot Group's Business Transformation Project in partnership with McKinsey & Co. 2. Responsible for project management, planning & implementation of Business Transformation project across pilot regions and scale-up to +1400 branches across 23 regions; new product development and branch performance management. 3. Leading host of strategic initiatives including business and functional. Regional Office Org. Restructuring, developing Muthoot’s White Label… Show more 1. Summarily, leading The Muthoot Group's Business Transformation Project in partnership with McKinsey & Co. 2. Responsible for project management, planning & implementation of Business Transformation project across pilot regions and scale-up to +1400 branches across 23 regions; new product development and branch performance management. 3. Leading host of strategic initiatives including business and functional. Regional Office Org. Restructuring, developing Muthoot’s White Label ATMs business into value proposition in North India; exploring expansion opportunities in possible markets 4. Within the Marketing function, involved in a consulting role engaging in all strategic decision making processes including discussions with Creative, Media & Digital Agencies to align product communications and strategic corporate objectives Show less

Zonal Manager

• Mar 2006 - Mar 2009