Asst.Manager-Business Development & Operations
Ethra Contracting
Total years of experience :19 years, 10 Months
• Serve as deputy to the Operations Manager to assist in managing branch operations
• Escalate client issues and complaints on operational matters to higher-level management, when necessary
• Communicate and implement firm operational guidelines and policies to Support Staff
• Monitor and manage operational costs
• Oversee the branch operational risk and audit process
• Review and approve funds received and disbursed
• Oversee securities received and disbursed
• Ensure operational excellence and solve any issues that arise
• Train and manage operational support staff
• Assist and make recommendations in hiring, promoting, disciplining and terminating Support Staff
• Implement service excellence standards, including coaching and educating
• operational Support Staff on the Client Experience best practices and suitability
Support and drive strategic firm initiatives
• Created, managed and organized all file systems and folders.
• Managed day-to-day operations for all construction sites.
• Scheduled and managed current and upcoming projects.
• Managed billing and collections for all project.
• Present, promote and sell products/services using solid arguments to existing and prospective customers
• Perform cost-¬benefit and needs analysis of existing/potential customers to meet their needs
• Establish, develop and maintain positive business and customer relationships
• Reach out to customer leads through cold calling
• Expedite the resolution of customer problems and complaints to maximize satisfaction
• Achieve agreed upon sales targets and outcomes within schedule
• Coordinate sales effort with team members and other departments
• Analyze the territory/market’s potential, track sales and status reports
• Supply management with reports on customer needs, problems, interests, competitive activities, and potential for new products and services.
• Keep abreast of best practices and promotional trends
• Continuously improve through feedback
• Promote the company brand to key buyers, ensuring their knowledge is current and
appropriate.
• Generating new business both in face to face meetings and over the phone.
• Writing up concise, value-based sales proposals.
• Replying to all customer enquiries in a timely and accurate manner.
• Writing up sales reports, activity reports and revenue forecasts.
• Completing all documentation and administrative records, fully and accurately.
• Developing and maintaining a database of all contacts.
• Measuring success
• Developing guidelines
• Develop, lead and execute procurement strategies
• Seek and partner with reliable vendors and suppliers
• Monitor and forecast upcoming levels of demand
• Underwriting, Customer Service, claims processing etc.
• Issuance / Pendings Management
• Persistency
• Operations Process & Regulatory Compliance
• Distribution operations
• Branch administration like Cost control and facilities management
• Team Management and Development
• Vendor/Stationery Management
Ensure smooth day to day operations in the branch/4 spokes, sensitive to risk and fraud, Build cross functional rapport, Overachieve new biz, service sigma’s and desired audit ratings, Escalate issues beyond branch purview, Manage a team size of 3-7 members, Facilitate knowledge sharing & transfer among team and building a strong process compliant customer centric team.
• Underwriting Coordinator for Thrissur Cluster (TWO Branches and 4 Spokes).
• Underwriter with jet limit of 15lakhs, standard medical limit of 5 lakhs and MRTA (Mortgage Reducing Term assurance) limit of 15 lakhs.
• Verifying the files soured by DSA’s.
• Triggering and collecting the Field Investigation Report.
• Loan Sanctioning
• Preparation of Credit Appraisal Memo.
• Disbursement of loan.
• PDC submission for EMI collections.
• Preparation of default customer List and follow ups with collection Dept.
• Preparation of MIS’s of Sanction, Disbursement and collection.
Home loan processing includes three different stages - sanction, legal & technical verification, disbursement. During my tenure I had been in charge of all this sections. At the time of leaving I had been the Coordinator of Home equity loan for the DSA’s ranging from Nagercoil to Quilon.
Management Information System
• Maintain the MIS regarding the Sanction.
• Maintain the MIS regarding the legal and technical verification.
• Maintain the MIS regarding the Disbursement.