Renjith Jose

CEO

Bandra, Maharashtra, India19 yrs 8 mos experience
Most Likely To SwitchHighly Stable

Key Highlights

  • 20+ years in financial services leadership
  • Expert in AI and MarTech for banking
  • Proven track record in driving sales growth
Stackforce AI infers this person is a Fintech expert with a strong focus on sales leadership and digital transformation.

Contact

Skills

Core Skills

Credit Card Sales & MarketingTeam Leadership & Performance ManagementAuto Loan Sales & FinancingSales Team Leadership & TrainingSales Team Management & MotivationMarket Expansion & Business DevelopmentCross-selling & UpsellingRelationship Management & Business DevelopmentTeam Management & DevelopmentInsurance Sales & MarketingBusiness Development & ExpansionProject Management & ExecutionSales & MarketingCustomer Service & CommunicationCustomer ServiceTeamwork & Collaboration

Other Skills

Digital Customer AcquisitionStrategic Partnerships & AlliancesRisk Management & ComplianceDealer Relationship ManagementDigital Transformation & Process ImprovementPortfolio Management & Credit Risk AnalysisDealer & DSA Network DevelopmentProcess Improvement & Operational EfficiencyRelationship Management & NegotiationInsurance Product KnowledgeSales Training & CoachingCustomer Needs AnalysisPerformance Management & CoachingRecruitment & OnboardingRelationship Building & Networking

About

With 20+ years of rich, hands-on experience in the financial services industry, I currently lead the Unsecured business (Credit Card & Personal Loans) at Federal Bank, one of India’s most respected private sector banks. As AVP & National Sales Head (Credit Cards), I spearhead national-level strategy, driving portfolio growth, profitability, and long-term customer engagement for one of our flagship retail offerings. Strategic Sales Leadership – I lead a dynamic pan-India sales team focused on acquiring, engaging, and retaining a high-value credit card customer base. Cross-functional collaboration – I work closely with internal teams across product, risk, technology, and operations to ensure end-to-end excellence and compliance. Stakeholder Management – I maintain strong, value-driven partnerships with key external stakeholders, including merchants, vendors, and regulatory authorities. AI & MarTech Expertise – With specialised training from IIM Indore, I bring an innovation-first mindset to digital transformation, using data and tech to enhance customer experience and operational agility. What drives me is a commitment to customer-first innovation. Whether it’s through smarter technology, sharper marketing, or seamless service delivery, I’m dedicated to creating value that earns trust and loyalty. My goal? To help Federal Bank become the most admired and trusted financial institution in India by elevating our credit card offerings into truly differentiated, customer-centric solutions. Let’s connect if you’re passionate about the future of banking, digital innovation, or building meaningful financial products that make a difference.

Experience

Federal bank

3 roles

Associate V P & Sales Head (Credit Cards)

Promoted

Apr 2023Present · 3 yrs

  • As Associate Vice President & Sales Head (Credit Cards) at Federal Bank, one of India's leading private sector banks, I lead the national sales strategy and execution for our credit card portfolio, playing a key role in driving revenue growth and market share expansion within the retail banking division.
  • Built the Credit Card Sales vertical from scratch, establishing end-to-end processes across recruitment, onboarding, training, and performance management.
  • Scaled operations rapidly, growing a high-performing team of 200+ across 7 states and delivering exponential growth in card sourcing within a short span.
  • Led multi-channel acquisition strategies through digital platforms, DSAs, and strategic partnerships, backed by strong collaboration with product, risk, and operations.
  • Introduced innovative sourcing models and a culture of performance, positioning credit cards as one of the fastest-growing verticals within the bank.
Credit Card Sales & MarketingDigital Customer AcquisitionTeam Leadership & Performance ManagementStrategic Partnerships & AlliancesRisk Management & Compliance

Regional Sales Manager

May 2021Apr 2023 · 1 yr 11 mos

  • As Regional Sales Manager - Auto Loans at Federal Bank Ltd., I led sales and business development initiatives for Bangalore and Chennai, two strategically important regions, driving significant growth in auto loan disbursals and market penetration.
  • Led Auto Loan sales across Bangalore and Chennai zones, managing dealer relationships and driving volume growth through strategic channel engagement.
  • Built and mentored a high-performance sales team, improving productivity through structured performance tracking and coaching.
  • Expanded dealer network coverage and deepened OEM partnerships, fueling consistent YoY disbursal growth.
  • Implemented digital sourcing initiatives and ensured strong portfolio quality through disciplined credit and compliance practices.
Auto Loan Sales & FinancingDealer Relationship ManagementSales Team Leadership & TrainingDigital Transformation & Process ImprovementPortfolio Management & Credit Risk Analysis

Leadership Roles - Auto Loan

Jul 2014Apr 2021 · 6 yrs 9 mos

  • I held various leadership roles within the Auto Loans division at Federal Bank Limited from 2014 to 2021, focusing on expanding our market presence and driving sales growth across multiple geographic regions, including Kozhikode and Bangalore.
  • Built and scaled Auto Loan sales teams across multiple regions, recruiting, training, and mentoring frontline staff for peak performance.
  • Established strategic dealer and DSA tie-ups, driving strong sourcing momentum and expanding market footprint.
  • Streamlined field operations and processes, improving TAT and elevating the overall customer experience.
  • Consistently exceeded business targets, playing a key role in growing disbursal volumes and strengthening presence in high-potential geographies.
  • Sales Team Management & Motivation, Dealer & DSA Network Development, Process Improvement & Operational Efficiency, Relationship Management & Negotiation, Market Expansion & Business Development
Sales Team Management & MotivationDealer & DSA Network DevelopmentProcess Improvement & Operational EfficiencyRelationship Management & NegotiationMarket Expansion & Business Development

Ageas federal life insurance

Senior Relationship Manager

Feb 2013Jun 2014 · 1 yr 4 mos · Kochi, Kerala, India · On-site

  • As Senior Relationship Manager at Ageas Federal Life Insurance, I focused on cross-selling life insurance products to Federal Bank's customer base, driving revenue generation through strategic partnerships and customer needs analysis.
  • Led cross-selling of life insurance products to Federal Bank customers, driving incremental revenue and enhancing portfolio diversity.
  • Cultivated strong partnerships with bank staff, generating steady referral flows and improving customer engagement.
  • Consistently surpassed sales targets, earning recognition as a top regional performer.
  • Delivered regular training to branch teams, increasing product knowledge and boosting conversion rates.
Cross-Selling & UpsellingRelationship Management & Business DevelopmentInsurance Product KnowledgeSales Training & CoachingCustomer Needs Analysis

Sbi life insurance co. ltd.

Agency Sales Manager

Oct 2011Jan 2013 · 1 yr 3 mos · Kochi, Kerala, India · On-site

  • As an Agency Manager at SBI Life Insurance, one of India's largest life insurance providers, I was responsible for building and managing a successful team of insurance agents to drive sales of life insurance policies and achieve regional targets.
  • Achievements:
  • Recruited, trained, and led a team of insurance agents, driving life insurance sales and expanding market reach within the assigned territory.
  • Focused on agent upskilling, delivering product training, performance coaching, and continuous support to maximize productivity.
  • Consistently recognized as a regional Best Performer for outstanding business results and team development.
  • Played a pivotal role in growing the agency network, increasing policy penetration, and strengthening distribution capabilities.
Team Management & DevelopmentInsurance Sales & MarketingPerformance Management & CoachingRecruitment & OnboardingRelationship Building & Networking

Muthoot securities ltd

Business Development Manager

Oct 2008Sep 2011 · 2 yrs 11 mos · Kochi, Kerala, India

  • As Business Development Manager at Muthoot Securities Limited, I spearheaded the expansion of the IPO vertical and managed PAN card processing operations across India, leveraging technological solutions to enhance efficiency and drive growth.
  • Achievements:
  • Led IPO operations and PAN card processing across India, overseeing end-to-end execution and service delivery.
  • Set up the National PAN Processing Centre, streamlining document flow and significantly improving turnaround times.
  • Designed and deployed a custom BI and Sales CRM system, enhancing operational efficiency and real-time sales tracking.
  • Conducted nationwide training programs, boosting staff capability, process consistency, and service quality - earning multiple promotions for high-impact contributions.
Business Development & ExpansionProcess Improvement & AutomationCRM & Business IntelligenceProject Management & ExecutionTeam Training & Development

The muthoot group

Assistant Sales Manager

May 2007Oct 2008 · 1 yr 5 mos · On-site

  • As Assistant Manager (Sales) at Muthoot Wealth Management Services Pvt Ltd, I was responsible for promoting and selling general insurance products through the extensive network of Muthoot Finance branches, focusing on driving sales growth and increasing product penetration among their existing customer base.
  • Achievements:
  • Promoted general insurance products across Muthoot Finance branches, driving customer acquisition and product penetration.
  • Built strong rapport with branch teams, ensuring steady business flow and active engagement at the ground level.
  • Consistently recognized for performance and leadership, resulting in an internal promotion.
  • Transitioned to Muthoot Securities during its launch phase, contributing to foundational business development efforts.
Sales & MarketingRelationship Building & NetworkingFinancial Product KnowledgeCustomer Service & CommunicationTarget-Driven & Results-Oriented

Holiday inn gem park ooty

Front Office Assistant

Mar 2006Apr 2007 · 1 yr 1 mo · Ooty, Tamil Nadu, India · On-site

  • My career journey began as a Front Office Assistant at Holiday Inn Gempark, Ooty, where I gained valuable experience in customer service, communication, and teamwork within a fast-paced hospitality environment.
  • Achievements:
  • Joined through campus placement from Naipunnya Institute of Management, stepping into a frontline hospitality role.
  • Managed front desk operations, including guest check-ins/check-outs, reservations, and day-to-day customer service.
  • Coordinated seamlessly with housekeeping and support teams, ensuring smooth operations and enhanced guest satisfaction.
  • Commended for professionalism and strong communication skills, upholding high service standards in a guest-centric environment.
Customer ServiceCommunication & Interpersonal SkillsTeamwork & CollaborationProblem-Solving & Conflict ResolutionHotel Management Systems

Education

Indian Institute of Management, Indore

EPMAIDM — AI & Marktech

Jan 2025Present

Annamalai University

Master of Business Administration - MBA — Marketing

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