Zonal Sales Head - South
Nextech Solutions Private Ltd
Total years of experience :11 years, 3 Months
Handling sales and collection of Software Sales for entire South India. Conducting timely review meetings with team and motivate them to achieve targets as per the commitment given to the senior managers.
Team pitching for selected or as and where required by the team players.
Monitoring closely with MIS team for timely business update and for delivery of services
✓ Over 8+ yrs Experience in Esteemed Financial Companies.
✓ Having good work experience in Credit/Sales/Collections Department.
✓ Good Exp in Collection/Sales strategies implementation for achieving targets.
✓ Worked in various levels of the organization for better understanding of business logics and growth of organizations.
✓ Good knowledge in implementing and designing of the given role for achieving the targets in the organization.
✓ Worked in various states in my career for geographical knowledge across PAN India.
✓ Having strong product knowledge of Home Loans/Personnel Loans/Two wheeler Loans/Consumer Loans and Mortgages Loans.
✓ Oracle Hyperion tool also learned for professional.
✓ I worked in the team of software implementation for PAN India at dealer level and agency level for succeeding the company workbench in online.
✓ Rewarded best trainer for CREDIT and LOS (software) implementation in PAN India in TVS Finance & Services Ltd.
✓ Achieved best credit standard implementation branch award in Fullerton India.
✓ Achieved best performer award in International Autotrac Finance Ltd.
Current experience : Area Manager- Sales & Collections (Auto Loans)
Company Name : International Autotrac Finance Ltd (IAFL). - Bangalore.
Period : Mar-08 to till date,
Company Brief : International Autotrac Finance Ltd is a 100% fully owned subsidiary of Sonalika Group (International Tractors Ltd), Punjab. IAFL is focusing on opportunities in Auto loan & tractor loans in India. IAFL is operating 20 states as on date. I am handling Karnataka State in this company. IAFL into providing finance to auto loans and agriculture loans to urban and rural customers. IAFL is operating their business model through dealer’s channel.
KEY ACCOUNTABILITIES:
Monitoring of smooth Sales processing and disbursement of loan proposals at all the branches.
Monitoring on awareness, amendment and implementation of Sales policy norms in customers profile evaluation in business sourcing.
Monitoring of sales activities and sales targets in all branches on daily basis.
Daily monitoring of branch manager’s for their respective area, and updating about business information to line managers.
Daily basis interaction with Credit, Operation and Risk Team like…Credit, CPV/CPA reports and co-coordinating with RCU team for frauds management.
Monthly business plan and allotting targets to the branch managers to follow up on daily basis to achieve targets.
Follow-ups approvals with higher authorities as per the designed matrix.
Monitoring on Credit Appraisal & Operations, which includes approvals & recommendations for smooth disbursement.
Conducting training programs at branches for improving staff performance.
Appointment of staff and training in branches in sales team.
Planning business budget according to the branches Vs target and recommending the promotional budget to higher official.
Monitoring on state profit and ensure portfolio should be with risk grade.
Preparing daily and monthly basis performance reports to all branches and monitoring on targets to achieve on time.
Monthly tour planning and visiting all branches and interacting with subordinates on daily basis for motivating the team.
Company Brief : Fullerton India Credit is a 100% fully owned subsidiary of Tamasek Holdings, Singapore. Fullerton India Credit is focusing on opportunities that exit in consumer and commercial financing including small and medium enterprises. The focus would be on the lower end of these segments. The business would be branch led model with branches spread across the country with all retails products (PL, HL, LAP & AL).
Meet customers prior to credit approval decision.
Enforcement and adherence of company credit policy at the branch.
Review and approval of business loans as per credit policy.
Credit assessment of large ticket business loans and personnel Loans, LAP and Housing loans. Approval of loan deviations as assigned matrices.
Review portfolio with respect to delinquency/losses/fraud of the portfolio underwritten/fraud & early warning signals.
Managing aspirations of credit, collection and operations team.
Meets appraisers, valuers on ongoing basis to monitor collateral cases in the branch business. Meet Market opinion leaders, trade associations to gather information for judge the best credit decision.
Delinquency analyses based on monthly funding and prepare the delinquency reports for healthy delinquency at branch level.
Co-coordinating with sales and operation department for smooth disbursement process at branch level.
Collection receipts audits and monitoring for transparency in the system.
Branch audit reports monitoring on credit appraisals and prepare reports on time for internal & external audit purpose.
KEY PERFORMANCE INDICATORS (KPI):
• Credit Quality demonstrated by non starters, delinquency & Net Credit Loses.
• Process discipline demonstrated by satisfactory audit reviews.
Products handled: Business loans (Unsecured / Secured / Mortgage loans / Home Loans / Commercial Vehicles)
Approval Limits: -
Unsecured offering of Rs. 1, 50, 000/- and secured offering up to Rs. 2, 50, 000/-.
Previous experience: Asst Risk Manager- Sales & Credit (AL, CL & PL)
Company Name: TVS Finance & Services Ltd (TVS Motors)
Period: Feb - 2005 to Nov - 2006, Jaipur, Rajasthan
TVS Finance & Services Ltd is a 100% fully owned subsidiary of TVS Motors Ltd, Chennai. TVSFS into financing of TW, Consumer Loans and Personal Loans. I was handled Rajasthan State for Credit Management. I was into Business Development process for North India @ Rajasthan - LOS (Loan Origination System) . Credit Appraisal & Operations, exclusively for TW, Consumer Loans and Personnel Loans.
➢ Credit Verification, Verifying the documents as per the policy of the company is done when the file was logged in.
➢ Follow-up of pending documents from time-to-time prior/post approval/disbursal.
➢ Maintaining the data of Post Disbursal Documents like Insurance, Invoice, RC copies, etc.
➢ Collection receipts audits and monitoring for transparency in the system.
➢ Vendor's management on regular basis (CPV, CPA and Collection Agencies)
➢ Documents sampling for fraud encounters in the portfolio.
Worked as Credit Processing Executive (CPA - Team) with Standard Chartered Home Finance Ltd, Hyderabad, Andhra Pradesh.. I was handled Housing Loans & Mortgages process. I was worked from September - 2003 to February - 2005.
➢ Credit Appraisal & Operations, exclusively for Home Loans.
➢ Credit Purchase (Verifying the pre-approved documents as per the policy of bank) is done when the file was logged in.
➢ Preparing Credit Appraisal Memorandum (CAM) and forwarding for approval as per the policy of the bank.
➢ Checking the documentation part of retail cases prior to disbursement.
➢ Preparation of Daily and Monthly MIS to maintain turn around time (TAT)
➢ Coordinating with sales and operation for smooth process of credit process.
➢ Initiating Legal & Technical verification after the CPV process completed.
Careers Achievements:
➢ Best Award for Trainer LOS implementation - Loan Origination System (Process training to sales, dealers & CPV, CPA Agencies- Credit) across in India. (Rajasthan, Maharastra, Andhra Pradesh, and Western UP)
➢ Best Area Manager - Sales & Collection OND 08 in International Autotrac Finance Ltd. Collection achievement 96% for OND 08.
➢ Best Credit Standard Implementation Awarded for the Branch in Fullerton India Credit Company Ltd.
Finance Marketing Computers E Commerce
M.B.A (Finance), Nagarjuna University -2003 - 58.92%
Marketing Business Lawa, Foreign Trade FEMA Company Secretary