Renjith Jose — CEO
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.
Stackforce AI infers this person is a Fintech expert with a strong focus on sales leadership and digital transformation.
Location: Bandra, Maharashtra, India
Experience: 19 yrs 8 mos
Skills
- Credit Card Sales & Marketing
- Team Leadership & Performance Management
- Auto Loan Sales & Financing
- Sales Team Leadership & Training
- Sales Team Management & Motivation
- Market Expansion & Business Development
- Cross-selling & Upselling
- Relationship Management & Business Development
- Team Management & Development
- Insurance Sales & Marketing
- Business Development & Expansion
- Project Management & Execution
- Sales & Marketing
- Customer Service & Communication
- Customer Service
Career Highlights
- 20+ years in financial services leadership
- Expert in AI and MarTech for banking
- Proven track record in driving sales growth
Work Experience
Federal Bank
Associate V P & Sales Head (Credit Cards) (3 yrs)
Regional Sales Manager (1 yr 11 mos)
Leadership Roles - Auto Loan (6 yrs 9 mos)
Ageas Federal Life Insurance
Senior Relationship Manager (1 yr 4 mos)
SBI Life Insurance Co. Ltd.
Agency Sales Manager (1 yr 3 mos)
Muthoot Securities Ltd
Business Development Manager (2 yrs 11 mos)
The Muthoot Group
Assistant Sales Manager (1 yr 5 mos)
Holiday Inn Gem park ooty
Front Office Assistant (1 yr 1 mo)
Education
EPMAIDM at Indian Institute of Management, Indore
Master of Business Administration - MBA at Annamalai University