Anoj koshy

• Regional Sales Manager - HDFC Bank Ltd, since Oct 2008


In charge of 87 branches in Kerala/Up-country TN sourcing Savings, Current, Corporate Salary, Preferred, Key accounts and to effectively manage the revenue & value build up managing team of 41 Managers & 375 Contractual SEs
Monitor, track & control all sales activities including weekly Lead Generation activities.
Managing Recruitment/Training & manage high motivation levels within compliance frame work, Manage process on hiring and Sales Management Process as per rolled out process
Co-ordination with branch banking channel on various initiatives and liasoning with other departments like EEG, CBG, Merchant Acquiring & Agri Unit to Cross-sell for enhancing the business through structured marketing activities / database Mgmt

• State Head - Kotak Securities Ltd., Jul 2007 - Oct 2008


Revenue generation to take care of Annual Region targets - Broking, Insurance, MF, Realty, MLD, etc through acquisition of clients including HNI with special focus on individual risk appetite
Distribution expansion - Branches & Franchisee's across Kerala
Team Management - Sales, Dealing, Customer Service & Ops consisting of 110 employees across Kerala and Recruitment/Training of staff with overall focus on Compliance norms. Team of 31 direct reportees included all Branch heads & Operations Managers across Kerala
Risk & expense control and receivable management, Co-ordination with regulators
Initiate cross sell with other group companies for TPP sales

Branch Manager (Aug 2005 - Jul 2007)
To effectively manage Sales/Revenue pertaining to Wealth Management, Insurance (TPD), Forex, Trade, CASA, Deposits, etc in accordance with strict audit/compliance requirements
Management of Sales (Acquisition & Wealth) teams, Service & Ops functions/teams including training. Team of 19 included 5 Wealth RMs, Sales Manager, 4 Asst. Managers, Branch Operations Manager, Teller team, 4 Customer Service Executives
Expense and credit control at branch level, Interaction with regulatory authorities - RBI, Tax, BO, police, etc
Interaction with customers and all Asset business groups (PL, Auto, Home, Credit cards, Suvidha, ATM, ELC) Also in chage of Citigroup Retail business (GCG) for Kerala including Citifinancials.

Regional Sales Mgr (Auto Loan) - Karnataka/Kerala (May 2002 - Aug 2005)
Strengthen distribution & increase acquisitions including appointment of Direct Sales Agents in line with Global audit requirements
Build/leverage relationships with auto manufactures & dealers with strict focus on expense & credit control (including that of DSA/franchisee operations)
Managing DSA/DST's as well as training of field & tele- calling staff and focus on customer service, Managing/Training a team of 11 including 8 Relationship Managers, 2 Credit Officers as well 100+ channel sales team members
Interface with Customer service team, Credit & Collections
Previous Assignments

• Citibank N.A, May 2002 - Jun 2007

• Brand Manager - Mitsubishi Car Sales, Feb 2000 - May 2002

• Asst. Manager - Daewoo Motors, Aug 1997 - Jan 2000

• Area Sales Exe - TTK Pharma, Jul 1995 - Apr 1997

• Marketing Exe - IIPL Bangalore, Dec 1993 - Jun 1995