Alan Raj

Channel Finance Management:

• Spearheading channel finance operations for corporate and dealer clients across the entire South region, ensuring optimal financial solutions and customer satisfaction.
• Leveraging strategic insights to develop and nurture relationships with key anchors and distributors, driving business expansion and market penetration.

Lead Conversion and Digital Servicing:

• Implementing innovative strategies to maximize lead conversion rates, utilizing digital platforms for efficient lead management and service delivery.

Portfolio Management and Target Achievement:

• Managing portfolio performance, consistently achieving targets for maintaining book size, net interest income (NII), and processing fee income.
• Maintaining a pristine book with zero non-performing assets (NPAs) and minimized overdue follow-ups, ensuring optimal portfolio health and risk management.

Cross-Functional Collaboration:

• Collaborating closely with internal product, risk, and operations teams to ensure seamless end-to-end implementation of transactions and timely service delivery.
• Facilitating effective communication and alignment between departments, driving operational excellence and mitigating potential risks.

Deferral and Renewal Management:

• Demonstrating proficiency in handling deferrals and renewals, proactively addressing client needs and ensuring timely resolution to maintain customer satisfaction.
• Prioritizing customer-centric solutions to uphold service standards and foster long-term client relationships.

• Handled the entire south region's Supply chain Finance business.
• Identify and qualify new customers as per company's policies and business model.
• Created presentations to attract new business opportunities.
• Maintained a database of existing customers and prospective leads.
• Organized meetings between senior management and prospective customers.
• Managed all aspects of client accounts from sourcing till Onboarding.
• Leveraged cold calling, in-person visits and referrals to build leads.
• Established new customer accounts using negotiation and sales closing abilities.

• Managed front-end and back-end development in the company's Portfolio Analyst, Employee Track, and Account Management systems
• Managed channel finance corporate and dealers in the entire south region
• Building strategic relationships and partner with Anchors and distributors
• Ensure maximum conversion of leads received from corporate and service them through digital platform
• Managed portfolio with target achievement of maintaining book size, NII (Net Interest Income), Processing fee income and clean book with nil NPA and minimum overdue follow ups
• Worked closely with Internal product, Risk and Operations team to ensure timely service and end to end implementation of transaction
• Effectively handled deferrals, renewals and ensuring customer satisfaction.

• Responsible for Origination of Loan Proposals (both Secured and Unsecured)
• Responsible for Evaluating the Proposal in Line with Company Credit Policy
• Responsible for Logging in Positive Proposals in the System
• Engaging with Relevant Authorities and Departments for Case Approvals
• Escalating the proposal Wherever required
• Engaging with Credit, Operations & Client for Effective & Smooth Case Closure
• Providing Regular Service to the Customers and Taking Care of Their Future Needs
• Assist Risk and Credit Teams in Portfolio Risk Management
• Collections from Overdue Customers.

• To achieve monthly targets by giving proper training and motivation to the team
• To make sure that the customers are happy and satisfied by giving them proper commitments
• To give proper training to new employees and make sure that they are giving excellent outputs
• To reward and motivate employees by fixing good incentives for their performance thus making them work hard
• Handling customer complaints if any
• Reporting daily sales and targets to Sales manager and the General Manager on a regular basis.