Feb 2022 – Jun 2025 · 3 yrs 4 mos · Chennai, Tamil Nadu, India

• Create new Products in line with the market opportunity and potential to service the customers in Rural market
• Provide user friendly digital solution to on-field sales team to reduce TAT and better customer experience
• Co-ordinate with inhouse IT team to automate and digitalise the end to end process
• Develop new strategies to increase Business volume and thereby AUM as below
• Develop and launch Pre-approved loans of entire product range enabling the loyal customers to avail best offers as and when required
• Design and launch contests on incremental revenue basis without impacting the cost to income ratio of the product and create momentum
• Support sales and credit team on Training and resolve product related issues
• Manage overall product profitability and quality of the portfolio
• Highlight productivity gaps across products to the management
• Development of new products in system and complete UAT before launch.
• Work with IT partners in developing BRE for products which can reduce TAT of new product launches and thereby increasing the agility.
• Earlier Role with Dvara KGFS:
• Since 2019 driving sales across 150 branches in Tamilnadu for “Micro enterprise loan” - diversifying the portfolio from group loan to Non group medium enterprise loans
• Identify prospects and underwrite loans based on their cash flow, sales/purchase volume before moving the file to credit team
• Hire and train staff for this product offering ranges from Rs.50k- Rs.500k
• More focus on Semi urban & Urban market and working towards expanding our business loan portfolio through 53 exclusive resources report to me
• Identify potential existing customers from primary data and increase the wallet share by offering business loans
• Also as a step towards funding growing FPO, I was working with NGOs like Seeds in Virduhunagar, Aindhinai in Musiri.
• Have met several FPO to identify their requirements in expanding their reach to serve the underprivileged farmers

Feb 2016 – Nov 2018 · 2 yrs 9 mos · Thanjavur, Tamil Nadu, India

• Was handling new business development of Micro enterprise loans, which was a new venture focusing on Small and medium enterprises at Tier II cities and Tier III cities.
• Was heading a project in Financial inclusion, digitalization & sales management to build a strategic business model for the unit
• This model focuses to completely revamp the current business model to offer suite of products in the remote rural villages
• This new model focuses on changing the branch structure, business model & diversification of portfolio by increasing focus on Individual loan products
• Focuses on cross selling of third party products
• Rebuild the brand image in the society by conducting various on field activities
• Helping IFMR to implement this model across all SBU
• Renewed focus on customer centricity and the wealth management approach by equipping branch staff to deliver the entire suite of Asset and liability products
• Hire and train staffs to drive this change across all levels
• Drive branches to conduct various business development activities to increase productivity
• Monitor Business numbers and employee productivity without compromising on portfolio quality
• Driving digitalization project - The tablet based loan sourcing and servicing of customers at their door step

Nov 2018 – Jan 2019 · 2 mos · Mumbai, Maharashtra, India

• Was handling financial reporting & analytics for the period of 3 months. Involves Business planning activities like forecasting of business revenue, expenses, P&L and weekly / monthly reporting
• Do business profitability analysis and identify areas of improvement like risk based pricing, Expense analysis, spread analysis and delinquency management.

Oct 2010 – Aug 2015 · 4 yrs 10 mos · Mumbai, Maharashtra, India

• Was part of Rs.2000 crore rural business spanning across 165 branches in 2015
• Create new products and manage Product profitability of Group loans, Two Wheeler, Personal loans and mortgage products.
• Prepare annual operating Plan & Forecasting of business revenue, expenses, P&L and other financial & non-financial activities from branch level to business level.
• Gap analysis of various income and expense heads against AOP (Annual Operating Plan) & prepare revised forecast according to latest business performance.
• Responsible to keep cost under control
• Publish daily report to the entire business team on day to day performance against the monthly target.
• Submit monthly reports to the top management on business performance to highlight achievements, improvements and concern areas.
• Track branch performance and their productivity.
• Send out reports to sales managers on best and worst performing branches interms of revenue, expenses, cost to income, branch break even details etc.
• Prepare review presentation on business performance – presented to board and leadership team members of the company.
• Scenario analysis and its effects on budgeting.
• Prepare risk review deck on Roll rate and Cohort analysis at product level & state level.
• Headcount management & analysis.
• Manage products maintenance, system developments and help branches to resolve system related issues.
• Prepare project approval request on branch network expansion to be approved by various departments heads and CEO of FICCL
• Automation of various MIS to have real time business status by creating SMS alerts.

Jan 2007 – Aug 2010 · 3 yrs 7 mos · Mumbai, Maharashtra, India

• Tracking Weekly & Monthly performance of the entire sales force
• 1. Ensure timely submission of required MIS and Key Performance Indicators.
• 2. Business achievements.
• 3. Track the productivity and revenue of each and every productive resource.
• Responsible for channel management of Small and Medium enterprises loans
• To monitor the product per customer (PPC / Cross sell initiative) at RM level as a part of cross selling program.
• Score card modeling for our sales team.
• Target setting and payout simulations to ensure the cost is under control.
• Responsible for payment of Monthly Incentive to the entire sales force
• Motivate sales team by launching of contests as and when required.
• Managing the PSL assets of entire SME.
• Manage our income lines and ensure that all our strategies are followed by all channels.
• Ensure there is no revenue leakage in the system.
• Assisting Business Head on monthly Business Performance Presentations
• Reference 1 : Hansraj Thakur – Business Head SME , Indostar capital
• Reference 2 : Amit Bhatia : Managing Director & Head Private and Commercial Clients, Deutsche Bank.

May 2005 – Jan 2007 · 1 yr 8 mos · Mumbai, Maharashtra, India

• Thorough knowledge of retail banking operations, products, service and core banking software.
• Handling entire personal banking product related queries from the branches
• Assisting the Product manager in developing new products and instrumental in launching IDBI Suvidha Tax savings Fixed Deposit scheme, Suvidha plus Fixed deposit and Suvidha Recurring deposit
• Instrumental in designing the Asset Liability Committee report on performance of IDBI Bank Suvidha Fixed deposit to be submitted to the Chairman.
• Experience in designing the Product Specific campaigns and customization of products.
• Ensure the system support at all point in time to manage our Income lines
• Responsible for maintaining the whole personal banking MIS like product profitability, performance of different products of Personal banking.
• Handling training Programs on Personal Banking Products.
• Recommend fee income waiver request from customers to product head based cost to income ratio.