Experience

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  Clix Capital

  • Gurugram, Haryana, India

  • National Sales Head

    • Nov 2023 - Present
    • Gurugram, Haryana, India

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  L&T Financial Services

  • Mumbai, Maharashtra, India

  • Lead - Channel Sales

    • Jan 2020 - Nov 2022
    • Mumbai, Maharashtra, India

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  Capital Float

  • India
  • Financial Services
  • 400 - 500 Employee

  • National Sales Manager

    • Sep 2017 - Oct 2019

    School Loans: Recruitment of Zonal Managers / Cluster Managers / Sales Managers across South India Launching new locations in a phased manner with key focus on per employee productivity & profitability Responsible for Quality Asset book & AUM growth with clear focus on profitability Ensuring that RM’s are delivering the monthly budgeted numbers and per employee productivity is at anaccepted level Setting up alternate channels for sourcing (BC model)Supply Chain Finance (Pay later) : Onboarding new partners on a regular basis for providing channel finance facilities to the distributors of on-boarded partners  Responsible for Quality Asset book & AUM with clear focus on profitability  Close coordination with policy team to ensure we built an industry specific policy

  • Zonal Sales Head

    • Apr 2017 - Aug 2017

     Launching of locations across Maharashtra & Gujrat Empaneling DSA & Recruitment of ASM’s / SM’s Responsible for Quality Asset book / P&L for the region

  • Regional Sales Manager

    • Aug 2016 - Mar 2017

     Launching of locations across Maharashtra & Gujrat Empaneling DSA & Recruitment of ASM’s / SM’s Responsible for Quality Asset book / P&L for the region

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  YES BANK

  • Hyderabad Area, India

  • Vice President

    • Nov 2011 - Mar 2016
    • Hyderabad Area, India

     Develop tactics to increase asset portfolio and Profitability by focusing on specific sectors by applying Knowledge Banking approach Ensuring that all the RM’s are well versed with processes and procedures by conducting regular trainings on Risk, Compliance & documentation procedures Responsible for quality asset book & Balance Sheet Growth Scrutiny of all the proposals logged in with regard to various business, Financial, Product & compliance parameters Ensuring that RM’s are delivering the monthly budgeted numbers and per employee productivity is at an accepted level To regularly conduct events with Chamber of Commerce, local trade associations for generating business and penetrating deeper into the specific industry segment

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  Ing Vysya Bank is now Kotak Mahindra Bank

  • Hyderabad Area, India

  • Area Business Manager

    • Jan 2010 - Oct 2011
    • Hyderabad Area, India

     Develop tactics to increase asset portfolio and Profitability by focusing on specific sectors  Managing a team of 8 Relationship Managers Ensuring that all the RM’s are well versed with processes and procedures by conducting regular trainings on Risk, Compliance & documentation procedures Responsible for quality asset book & Balance Sheet Growth Scrutiny of all the proposals logged in with regard to various business, Financial, Product & compliance parameters Ensuring that RM’s are delivering the monthly budgeted numbers

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  Citi Bank N. A.

  • Coimbatore Area, India

  • Relationship Manager

    • Nov 2007 - Jan 2010
    • Coimbatore Area, India

     Develop tactics to increase asset portfolio and Profitability across Bangalore, coimbatore & Cochin Managing a DSA team of 40 people  Training the entire Branch team across Bangalore, Coimbatore & Cochin on Business Banking solutions with timely market trend Responsible for the branch asset revenues and Balance sheet growth Credit Appraisal:Collection of all the required papers from prospective customer.Credit Investigation, Legal Opinion, Valution Certificate andOthers required for processing credit proposalsUnit visits if considered necessary.Vet in relation to credit policy and determine deviations if any.Determine if deviations are acceptable. Proposal Writing and Assessment (including non –funded) Maintain Agreed TAT Cross-sell Banking Services and Products to clientele.

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  HDFC Bank

  • Vijayawada Area, India

  • Relationship Manager

    • Nov 2005 - Nov 2007
    • Vijayawada Area, India

     Develop tactics to increase advances portfolio and Profitability with in a territory consisting of 14 cities throughout AP Up-Country & Upcountry TN. Achieve a 3:2 Ratio of priority sector lending & non Priority sector lending respectively as per the targets set. Credit Appraisal:Collection of all the required papers from prospective customer.Credit Investigation, Legal Opinion, Valution Certificate andOthers required for processing credit proposalsUnit visits if considered necessary.Vet in relation to credit policy and determine deviations if any.Determine if deviations are acceptable. Proposal Writing and Assessment (including non –funded and Solvency Certificate) Maintain Agreed TAT Obtaining of stock statement Periodic stock/asset inspection Ensure that the stocks and other assets hypothecated to the Bank are always insured for full fill value  Obtaining QIS under CMA Scrutiny of QIS & fixation of DP Factory/Unit Visits Cross-sell Banking Services and Products to clientele

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  Love Locks and Lewis Services Pvt Ltd

  • Chennai Area, India

  • Team Lead

    • Oct 2004 - Oct 2005
    • Chennai Area, India

    verification of files to check whether the profile fits into the credit norms as per policy Scrutiny of application data and contact point verification  Identification of risk prone profile Credit evalution with aid of credit scoring matrix Study of cash flows to asses repayment capacity  Making a detailed financial appraisal note Doing mystery shopping Putting up deviation approval notes higher authority  MIS Identification of NPAs Preparations of reports related to behaviour of various retail assets Preparation of negative area list and periodical updation Suggesting innovative methods to reduce the TAT