Industrial Training Micro Finance
Resume:
JUDE
*****@***********.***/ ************@*****.**.**
Key Skills
Sales & Collection
Marketing
MFI
Home Loan
LAP
Business Loan
Personal Loan
Online Trading
Demat Account
Control Risk Management
Soft Skills
Highly motivated Sales & Collection specialist with 18+ years of experience in MFI, Home Loan, LAP, AGRI and Business Loan category. Result oriented and entrepreneurial professional, facilitating goal-level creation for the broader function and working with managers to ensure the goals cascade to all workers. Adept at handling collection, business, legal & credit parameters. Focused and highly driven in implementing company’s strategic objectives for assigned sales area. Demonstrated ability in understanding industry trends
& market activities, channel sales, business development, network management, marketing, key account management, channel management and team management. Exceptionally well organized with a track record that demonstrates self-motivation, creativity, and initiative to achieve both personal & corporate goals. Career Timeline
’08 - Till Date Synergy
Development
Relationship
Credit Bank Management
(Team (Unit Head)
’03 - ‘05 ’05 - ’06 - ‘07 ’07 - ‘08
T.S Mahalingam Indiabulls Securities Equitas Small Financial Services Ltd (Associate Finance Bank
Pvt Ltd Relationship (Divisional
(Executive) Manager) Head)
Current Profile Summary
IIFL Housing Finance Ltd.
Change Agent Motivator
Regional Sales Head Feb 2020 – Aug 2020
Joined as Regional Head handling LAP product, SME and Housing Finance. Negotiator Communicator
Handling 11Sales Managers and 15 Relationship Managers with more than 60 DST. Cross selling insurance product selling with Bajaj and ICICI life insurance and ICICI Lombard.
And handling DSA Enrolments and staff’s requirements. Planner
Problem Solver
Equitas Small Finance Bank
Divisional Manager – MICRO FINANCE, HL, LAP, SME, AGRI July 2008 –28th Sep 2019 Joined as Branch Manager and advanced to the position of Divisional Manager with 6 promotions in 12 years.
Awarded with Paris tour for handling highest portfolio of 36 crores PAN India. Achieved MFI of 35 crores and Non-MFI (LAP, AGRI, SME, HOUSING FINANCE) of 30 crores per month and handled overall product portfolio of 700 crores. Managed sales & collection of 25 branches with a team of 3 Area Managers, 7 Cluster Managers, 25 Branch Managers, 60 Assistant Managers, 75 Sales Officers, 200 Relationship Officers, 40 Customer support officers and 2 CSR’s. Relationship Officers, 40 Customer support officers and 2 CSR’s.
Achieved individual, Branch and Regional targets through effective business strategies and increased walk-ins by cross-selling of all products. Handled Bank related operations, managed to achieve YTD target on new business and ensured high-level service standard while complying with the Bank’s policies and Government rules.
Developed skills to expand client outreach while maintaining high quality loan assessment, loan approval, loan disbursement and delinquency management process. Lead home loan and personal loan sales through a large team of outsources sales representative (DST) by conducting corporate and kiosk activities in corporate. Motivated and capitalized on the existing Branch network to cross–sell personal loans along with other products while encouraging the Branch Staff to sell aggressively. Conceptualized and developed tailor-made schemes for each corporate relationship factoring the employee policies and risk assessment.
Determined and executed appropriate sales strategies for the Bank in accordance with the Bank’s consolidated strategy and operational targets.
Work Experience
Synergy Relationship Management Service Pvt Ltd
Business management consulting firm
Unit Head- April 2007 – June 2008
Lead HSBC Direct Sales team for personal loan sector handling a team of 80 tele callers, team leaders & managers. Managed 100 crores portfolio by generating new strategy, identifying improvement areas and implementing adequate measures to maximize sales in the concerned region. Coordinated marketing and business efforts that aligned with the company’s strategies. Researched and analysed data, trends, demographics and industry and non-industry information to draw sound conclusions that positively influenced the results. Engaged with premium customers to build relationships, and delivered a positive customer experience while acquiring new customers.
Formulated business strategies and strategic utilization and deployment of available resources to achieve organizational business objectives, short term and long-term budgets and developed Developed a long-term relationship with customers to maintain a high level of retention of the existing customer and focus on generating new business.
Handled cross-selling products and services to both new as well as existing customers as per their lifestyles, risk profiting and requirements basically through financial planning process. Tracked and reported sales performance including pipeline, acquisition results and market conditions. Indiabulls Securities Ltd
Share Brokers, Stock Brokers & Share Investors firm Associate Relationship Manager- July 2006 – March 2007 Conducted daily sales for financial planning sessions with clients and delivered complete product information to customers. Managed to open 10 accounts each month by developing effective strategies to manage relationships, both existing and new, by anticipating customer needs and providing superior quality services resulting in increased wallet share. Analysed entire portfolios and handled Life Insurance, Demat and Trading accounts as per client requirement. Formulated strategies in expanding revenue base for the company. Adhered to structures and processes in place for the management of credit, operational, reputation and regulatory risk. Adept in developing and implementing competitive strategies for generating collections and expanding market share towards achievement of revenue targets.
Demonstrated excellence in leading all aspects of day-to-day operations including developing & streamlining systems with proven ability to enhance administrative effectiveness and meet operational gaols within the cost. Time & quality parameters. Development Credit Bank
Private sector scheduled commercial bank
Team Leader- May 2005 – June 2006
Engaged in front-line field sales of products; provided value-added inputs during pre, on & post sales; sourced new business leads and offered timely & accurate sales forecasts and account plans on an ongoing basis. Achieved 1.5 crore loan target and increased branch efficiency by decreasing cost and bringing in more income. Initiated team of 6 sales executives for development through productivity improvement drives and training programme to enable them to pitch personal loans.
Ensured a superior level of customer relations with Doctors & Chartered Accountants and formulated strategies in expanding revenue base for the company.
Executed all sales activities timely- leads, campaigns, referrals and self-generated leads. Devised sales promotion, activities and launched tactical promotions in achieving business target and business retention. Ensured compliance and implemented desired business practices for quality business procurement. T.S Mahalingam Financial Services Pvt Ltd
Financial intermediation & mortgage loans firm
Customer Interface Executive- January 2003 – February 2005 Achieved 9 files in personal loan salary category and implementing competitive strategies for generating clients and expanding market share towards achievement of revenue targets. Achieved cross-sell liability and asset products to new/existing customers and partnered with Branch Banking to increase business sourcing.
Conducted daily sales for financial planning sessions with clients and delivered complete product information to customers. Ensured compliance and implemented desired business practices for quality business procurement. Prospected new customers through existing leads, cold calling and maximizing lead generation. Education
LIBA (Risk Management), Loyola
BA (History), Karnataka Open University
Diploma in Electrical, Sebastian Industrial Training Centre Personal Details
Date of Birth: 22nd May 1982
Current Address: No 48/B, Veera Ragavalu Nagar, 1st street, Vinayagapuram, Chennai- 600099 DECLARATION:
I hereby declare that the above information is true and correct to the best of my knowledge and I take up this opportunity of applying in your prestigious organization and assure you the best of my services. Date: Place:
(GANESH JUDE)
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