Management Sales

NAGARAJU ARYA

Cell no: 970-***-****

E-mail:****.*******@*****.***

Career Objective :

To Work with the challenging and Professional Management so as to gain extensive knowledge in the field of Financial services and service industry and to strive hard to improve my qualities and Management Skills by focusing on concepts like relationship management & customer satisfaction.

Professional Experience :

L&T Finance Ltd - Vehicle Finance Division:

Joined as Retail Associate in Dec, 2006 at Prakasam District.

Promoted as an Executive cum Location In Charge (With on Roll) from Oct 2008 for East Godavari District.

Location In charge since Oct 2008 at Rajahmundry and Ongole.

Job Profile :

BUSINESS :

• Maintain good relations with Dealers and Manufacturers for generating new business for the growth of team performance and company net worth.

• Identifying the market competition tendency and taking decision for implementing strategies (like structuring new schemes, implementing new polices) to overcome the competition in the particular time at the same time for Growth of the company.

• Before funding the vehicle identifying the customer net worth to analysis of three C’s in the customers place.

• Strictly follow the credit norms and implementing at the time of fund to the customer.

• In the present job I can do crediting process in my hand as a location in charge before processing the file for disbursement.

• Getting the business to implement MOU s with Channel marketing and improve the share in the market, through giving the good service to the channel people and customers.

• Looking after Tractor Division and Commercial Vehicle Loans Business for East Godavari Districts as a Branch in Charge.

• Handling the team with enthusiastic motivations and good relationship to achieving team performance and the Branch revenue.

• Review the team performance in a week basis and get the market information and advises from team for structuring plans according to the situation.

• Taking care of primary and secondary sales and distribution of WLS and JP East Godavari dist key accounts.

• Regularly meeting the Dealers, Existing Customers, Maintaining good Customer relationship and Identifying the Prospective Customers.

• Identifying the value and strength of asset in the field before funding the particular Asset.

• Appraisal of credit proposal for Farm Equipment (Tractor) / Farmer Finance.

• Imputed income computation

• Understanding of crop cycle & cropping pattern

• Retaining our existing customers through excellent customer relationship and customer delight.

• Maintain good relations with manufacturers for implementing the special MOU’s for improving the business.

• Regular Interaction & follow-up with Dealer ship for generating business from various pockets& motivating them to achieve targeted volume with better rates.

• Handle the Branch with enthusiastic and Dedicated Responsible for getting total branch and team performance for the Company Growth.

COLLECTION :

• To ensure collection of PDD’s & maintain PDD pending below 5%

• To maintain daily collection data and follow up on a daily basis with on demand and overdue customers.

• In a weekly basis maintain collection drives for chronic customers (NPA and Non Stators, in case of having any issue).

• In the field do the asset verification for the sake of asset and good collection performance.

• Maintain the ageing reports for the analysis of collections and identify to be chronic customers and take a decision immediately for particular asset.

• Follow up the insurance renewals for the asset safe and give the confidence to the customers about the company, it is taking care of customers and assets, for getting business form in house customers.

• Ensure 90+ overdue accounts as nil.

Key Result Areas :

• Responsible for the Company’s Sales & Service quality in East Godavari Districts.,

• Preparing Business Plan by fixing targets to various Retail Associates in various locations.

• Structuring of Different Financial Schemes.

• Training of Retail Associate’s and review their performance

• Ensuring the collection of post disbursement documents like Invoice, Registration certificates and Insurance policies.

• OD Levels in 90+ to be nil.

Segments covered under finance :

Tractors

4Wheeler

3Wheeler

Small Commercial Vehicle Loans

Achievements :

• Improved the Business and service at customer level by arranging affordable IRR and NOC’s for settled accounts 15 days.

• Achieved given business targets & maintained higher business weighted average & fee income for my business segment in East Godavari Districts.

• Implemented Dealer loan for their rotation and getting business to the company at East Godavri.

• Portfolio 90+ cases are nil.

• No Non-Starters in my location business portfolio.

• No NPA in my location Business Portfolio.

Joined as Retail Associate in Dec, 2006 at Prakasam District

Job Profile :

• Started doing direct business with “0”References and approached customers directly dealer to dealer marketing basis.

• Approaching Customers for promoting UCV business in Prakasam District. .

• Can handle FTU, Retail and Strategic based customers very well

• Reporting to higher officials with in time and supporting documents.

• Generating hot calls for business promotion.

• Achieving 95%collection efficiency for every month.

• Applying different strategies for business and collection based on circumstances.

• Identifying situation of market and taking decision according to situations.

• Strictly follow company credit norms when generating business.

Segments covered under finance :

Farm Equipment Vehicles

Light Commercial Vehicles

Achievements :

• At prakasm district started L&T finance with me and starting 0 level business, with in one year above 100% business achieved with my hard work and my superior, management support

• Maintained individual volumes of avg 35-50 Lacs business.

• Brought up market share from 0% to 100% in Farm Equipment (Tractor), 3w counters,0% to 40% counters, in LCV,0% TO 15% .

• Brought down the % of PDD (Post disbursal document)<5%

Bambino Agro Industries Ltd-FMCG

Management Trainee: from August, 2004 to Dec 2006 at Hyderabad in Bambino Agro Industries Ltd.

• Conduct the market survey and submit the results to the management for planning of production.

• Good knowledge of distribution trends, competitor activities. Ability to network across brands.

• Conduct the workshops at corporate companies at Hyd for improve the business.

• Conduct the service camps in the slum areas on awareness of food poison problems.

• Taking care of collection and orders from distributors in AP with support of field force.

• Having good command on Excel and word document for preparing reports.

Strengths :

• Having good Communication skills, Leadership Qualities and flair to work hard.

• Ability to work in a team as well as individual and having positive attitude.

• Having confident to do work in a challenging and competitive Environment.

• Experience in funding various asset products along with credit evaluation.

• Handle the chronic customers getting the good efficiency for business and collections.

Academic Information :

• Masters in Business Administration (Marketing and Finance) from Andhra University Affiliated Sri Y N College at Narasapur (West Godavari Dist) during 2002 – 2004.

• B.Com from Nagarjuna University Affiliated College at Bapatla BCAS College, during 1999-2002.

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