Banking Professional with 10 years experience

HARIKUMAR KRISHNAMOORTHY

Contact: +91-973******* / E-Mail: *********.**************@*****.***

Affordable Home Loans – Karnataka

PROFILE SUMMARY

A competent professional with nearly 9 years experience in Home Loan Business and intense knowledge in the product, policy, industry & customer segments.

Good team-building & management skills with the capability of training, leading & motivating individuals to maximize levels of productivity.

Skilled at identifying new areas of business potential, analysing risk and proposing policy changes.

Good knowledge of geographies and collaterals in Karnataka.

Good at ensuring compliance with organizational credit policies; rich experience in debt recoveries & credit monitoring.

Skilled at managing P&L for the state and identifying areas of cost reduction to increase overall profitability.

AREAS OF EXPERTISE

~ Sales & Distribution ~ Credit Appraisal & Risk Management ~ Product & Policy

~ Channel Management ~ Training & Development ~ Team Handling

~ Debt Recoveries ~ Credit Monitoring ~ Audit & compliance WORK EXPERIENCE

IDFC First Bank Limited (Erstwhile Capital First), BANGALORE NOV’17 - PRESENT Area Business Head – Micro & Affordable Home Loans – Karnataka (Bangalore, Mysore & Hosur) Handling Micro & Affordable Home Loans sales & distribution for the state; in charge for delivering on volume, sales and profitability. Involved in credit underwriting, managing marketing, channel sales, collections, risk and Portfolio quality.

Roles & Responsibilities:

Recruitment of talents & retention.

Responsible for managing profitability and P&L of the state.

Ensuring set targets on Volume, ROI, PF and Cross Sell are achieved.

Managing channel sales & distribution

Supervising approval of loan proposals to ensure underwriting quality.

Strategizing business development & marketing activities for increasing new customer acquisition and volume.

Ensuring team engagement & productivity of TMs, SMs, CMs and DSTs across all locations.

Credit Monitoring & Portfolio Management.

Ensuring process compliance, TAT achievement & disbursement quality.

Liaison with Branch & Liabilities team for lead generation RELIGARE HOUSING DEVELOPMENT FINANCE CORPORATION LTD, BANGALORE APR’16 - OCT’17 State Head – Micro & Affordable Home loan & LAP – Karnataka (Bangalore, Mysore, Mangalore & Hubli)

Handled Sales & Credit function of Micro & Affordable Home Loan and LAP for Karnataka. Roles & Responsibilities

Was involved in setting up of collateral policy for the state.

Empanelment of DSAs, Legal & Technical vendors etc.

Recruitment of Branch Managers, SMs, ROs, and CMs.

Responsible for achievement of set targets across all locations.

Maintaining average ticket size & LAP mix across locations.

Meeting the product mix target in the geography.

Ensuring achievement of cross sell targets on penetration and volume.

Propagating brand through door to door and other marketing activities.

Ensuring collection of EMIs month on month.

Geo mapping of cities with respect to collaterals.

Review of portfolio quarterly and revision of norms. LIC HOUSING FINANCE LTD, BANGALORE JUN’11 - APR’16 Joined as a Management trainee and worked across all functions like Sales, Marketing & Publicity, Credit, Operations, HR, APF & Project finance and Collections; was elevated to the level of Area Manager within quick span of 4 years – one of the youngest Area Managers Pan India. Roles & Responsibilities

Underwritten/recommended over 4000 loan proposals of various locations of Karnataka.

Recommended over 150+ projects for APF approval.

Serviced and handled customer queries and ensured timely resolution.

Managed Marketing & Publicity of South Central Region for entire year.

Key personnel in reduction of Regional NPA to 39 cr from opening 154 cr.

As a member of process enhancement committee, identified areas of lag and introduced process changes for faster decisions & disbursements.

Was a part of contest & rewards planning for the Region.

Planned and Hosted flagship event - “Nimma Mane” property expo for 3 consecutive years with yearly over 60 builders and 10k footfalls.

Handled DSA & Builder relationship for entire Bangalore.

Conducted several training programmes for DSAs.

Elevated Electronic City Area Office from No.14 to No.1 position in the Region within 1 year. ACADEMIC QUALIFICATIONS

Full time MBA (Marketing & Finance) from Dept. Of Management Studies, Chennai in 2011.

B.Sc – Computer Science from Apollo Arts & Science College, Madras University in 2009. PERSONAL DETAILS

Date of Birth: 27th November 1988

Marital Status: Married

Languages known: English, Tamil, Telugu, Kannada, Hindi, Malayalam (basic), Present Address: No.D41, Zonasha Vista Apartments, Dinne Anjaneya swamy temple road, Off Haralur Road, Bangalore - 560102

Correspondence Address: No 16, Easwaran Kovil Street, Melmanambedu, Chennai – 600 124. Mobile: +91-973*******

E-Mail: *********.**************@*****.***

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