Area Sales Manager

To impart creativity and strive for the best in my field and work hard to achieve

the organizational goal.

SUMMARY

• Location Sales Verification manager at ICICI Bank and Rural Marketing Recovery officer at SBI – Agri SME Working capital – Cash Credit, Bank Guarantee, Letter of Credit, Term Loan, Commodity Finance (Pledge).

• MBA – Rural Banking and Finance Management from TNAU Coimbatore, Tamilnadu.

• Capable of handling business banking sales and operations related to determining financial objectives, implementing systems, policies & procedures for streamlining the operations.

• Fair understanding of managing customer centric operations.

• Adaptable and a quick learner; possess skills to work under pressure.

• Been proactive and focused as a professional.

• Possess good management, communication & interpersonal skills. ACADAMIC CREDENTIALS

• 2019 Master of Business Administration - Rural Banking and Finance Management from TNAU Coimbatore, Tamilnadu. Secured 7.90/10 (O.G.P.A)

• 2006 Bachelor of Science in Horticulture from TNAU, HC & RI, Periyakulam. Secured 8.08/10 (O.G.P.A)

• 2002 H.S.E from T.U.N.S.V.H.S, Tiruchuli (State Board). Secured 77.83%

• 2000 S.S.L.C from T.U.N.S.V.H.S, Tiruchuli (State Board). Secured 72.80% WORK EXPERIENCE

Organization: State Bank of India

Location: Madurai

Designation: Rural Marketing and Recovery Officer – Agri – PER (Personal Segment) - SME Working Capital.

Duration: December'2007 to December'2008.

• Manage a team of ARMs and MRMs to acquire and manage NTB customers in Agri

- PER -SME segment offering banking solutions/products (Asset based- F/NF) transaction banking, trade finance, Housing Loans, Mortgage Loans, MSME Loans.

• To understand client business models, trade related activities, cash flows etc and identify opportunities and anticipate possible problems. To be alert on competitive elements in the target segment.

• Provide Self Helf Group (SHG) & Panchayat Level Federation (PLF) Direct Linkages and Economics Activities loan for Existing Group as well as New Group with the of NGOs and PLF.

• Formation of New Group and monitor the Group Activity of existing loan availed group. Ensure the Recovery and Collection of loan dues on every Month.

• Build rapport with key decision makers (promoters, CFO etc) of prospect customers.

• Closely working with credit team/ sanctioning authority for managing client expectation and effective risk management.

• Improve efficiency by monitoring & overseeing continuous improvement of processes.

• Collaborate with external channels like DSAs and captive channels like branch banking, wealth, privy etc for lead origination.

• Collaborate with trade finance, CMS, operations, treasury, legal and branch banking team for seamless customer service.

• Monitoring of timely closure of deferrals and ensuring smooth handover of cases to portfolio MRM within stipulated timeline.

Organization: ICICI Bank

Location: Madurai Cluster

Designation: Sales Verification Manager – Agri Term loan and Working Capital, SME and HL/LAP.

Duration: January'2009 to May 2016

• Sourcing, recommendation and sanction of Agri loans such as 1. Working capital

– KCC and Warehouse receipt 2. Term Loans Tractor Loans, Horticulture Orchard Loan

• Dairy loans tie-up with Aavin, Hatsun, ABT, Poultry Loans tie-up with Suguna poultry farm and Sakthi Hatcheries,

• Self Helf Group (SHG) & Panchayat Level Federation (PLF) Direct Linkages and Economics Activities loan for Existing Group as well as New Group. Formation of New Group and monitor the Group Activity of existing loan availed group. Ensure the Recovery and Collection of loan dues on every Month.

• Agricultural car Loans and Government sponsored Schemes for Rural Development, Housing Loans, Mortgage Loans, MSME Loans.

• To conduct the presanction inspection and prepare appraisal for the sanction of loan and disbursement made after the loan sanctioned.

• The post sanction inspection conducted and follows up of NPA (Non-Performing Assets) Advances – To issue Demand notices, conduct recovery camp and to issue SARFEASI notices for housing loans. Seizure notice issue to Car loan,

• Tractor loans and suit filling and follow up.

• Land development ensuring stability of income from existing clientele list and exploring avenues for new income generation.

• Identifying and sourcing new business opportunities in Corporate Agri – Agro Food Processing and PSL segment.

• Credit analysis of prospective clients for assessing future business viability and risk profile.

• Managing the portfolio of existing clients and acquiring new relationship of prospect customers of Madura region.

Organization: People welfare co operative Nidhi Ltd. Location: Madurai and Virudhunagar

Designation: Area Manager and Area Head (MFI)

Duration: Nov'16 to July’2021

Responsibilities handled:

• Identify the potential for Branch Opening and Group forming. Recruiting manpower according to the Vacancy.

• Identify the Groups (JLG) in Village wise with the help BM and Field Staff

• Build rapport with Mahalir Thittam and Pudhuvalvu Thittam officials for Identify the member and Formation of JLG.

• Provide Direct Linkage – Joint Liability Group (JLG), Individual Loan and Cash Credit. And monitor Recovery & Collection of loans and Reconciliation on daily basis.

• Allocation of Sales Target and Collection Target to the Concerned Branch. Meticulously monitor and Ensure the Team Achievements of Target on Every Monthly.

• Handling Team and Branch Staffs relationship.

• Managing assigned customer relationship & new customer acquisition.

• Acquiring fresh relationship with Group for JLG Finance / Cash Credit (WC) / Term Loan and other related products.

• Handling of assigned database and nurturing the existing relationships by providing service and timely renewals.

• Maintaining good repo with the clients & team members.

• Area of operation includes Team Management and review of BM & Relationship Officer, give motivation for achievement of Targets. Organization: CHALLENGE FINSERV

Location: Madurai, Virudhunagar, Theni and Tirunelveli Designation: Sales Manager (HL, LAP, PL & BL)

Duration: August'2021 – till date

Responsibilities handled:

• Team Management, Housing Loan, Loan Against Property, Personal Loan and Business loan Lead Generation from government employees, Doctors, Business peoples and review of Sales Officers and give motivation for achievement of Targets.

• To understand client business models, trade related activities, cash flows etc and identify opportunities and anticipate possible problems. To be alert on competitive elements in the target segment.

• Build rapport with key decision makers (promoters, Association of Builders, Traders Association, CFO etc) of prospect customers.

• Managing assigned customer relationship & new customer acquisition.

• Handling of assigned database and nurturing the existing relationships by providing service and timely renewals.

• Maintaining network with the branches and identifying sourcing points in the industry.

• Recruit Sales Officers and Office Executives on Branch wise and Training given about product.

• Maintaining good repo with the clients & team members. Awards and Accolades

• Awarded RM of the Year PAN Tamilnadu for the year of 2022 -23 of May 2023 – Best performer – Challenge finserv.

• Awarded appreciation certificate from Regional Manager in ICICI BANK for Agri term loan outstanding performance FY 2012-13 and FY 2014-15. IT FORTE

Operating system: Windows (XP, Windows & VISTA)

Software: MS Office and Tally.

Working Knowledge of Internet

• CAREER OBJECTIVE

A passionate professional with over 16 yrs experience in Banking Sector, with over 16 years of experience in setting up Retail banking Branch and Lending businesses across various products ranging from Retail Banking, Retail Assets - Personal Loan, MFI, Business Loan, LAP, Home Loan, Business Banking (Overdraft & CC), LAS, Digital Lending, Investment product and Cross Sell.

A strong believer and practitioner of the Democratic and Transformational style of Leadership. People are at the core of what we do. I work with the philosophy that a highly motivated, inclusive, and inspired team will contribute tremendously towards satisfied clients, delighted customers and towards the success of any organization. A long track of successful completion of challenging assignments with turnaround objectives. multi-functional experience – Product, Sales, Credit, Operations & Collection Management with a Pan India exposure on managing Key Accounts Relationships with Strategic Customer and Channel Partners.

Successfully handled challenging assignments with turnaround objectives. Conceptualize and orchestrate marketing campaigns that effectively reinforce and build brand images. My interest in Fintech/Digital Banking/Digital Lending/Retail Banking/NBFC/Micro Finance/Private Equity/ Venture Capital/ Investment Banking /Corporate Finance SNAPSHOT

• Specialization in Finance, Agri Loan, Rural Banking, MFI, Housing Loan, Loan Against Property, Business loan, ME Loan, Kisan Credit Card and Other Banking Products.

• Quick learner, Positive attitude, and willingness to learn new concepts and acceptance.

• Strong drive to learn & hardworking, capability of working under crunch situations.

• Team Building and Market penetration

• Maintain Good Relationship with Existing Clients. PERSONAL DETAILS

SHRI.BRABHU.R,B.Sc (Horti)., MBA (RB & FM).,

No: 92/2-7, PANDIYAN NAGAR

5TH STREET, KARIAPATTI,

VIRUDHUNAGAR DT,

TAMILNADU – 626106.

Email :

******.*****@*****.***

Mobile: 944-***-****

Marital Status: Married

Date of Birth: 05-May-1985

Language Proficiency: Tamil, English.

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