ALEX STEPHEN

• Heading Mortgage portfolio of 15,000 Cr, targeting Corporate, Retail, and Affluent customer segments, alongside Corporate Salary and GCC Groups.

• Targeting Net Profits with annual disbursement growth of 2400 Cr and deliver book growth with lower Net Credit Losses.

• Achieved the highest deal sizes: 100 Cr NHL, 50 Cr HL

• Oversee a dynamic team of 70, plus 75 branches and their team.

• Achieved the magical productivity of 3.02 Cr per RM in 2021

• Pioneered Direct RM channel for Bank, successfully resulting in low-cost disbursement with better customer experiences
• Winner in multiple contests as Bangalore was the national topper for many months, featuring every month in the RHS toppers list of the country
• Attrition control, PSL, Pre-approved opportunity, digitization implementation
• Built and trained a robust 150-member DRM sales team.

• Became the first inbound to cross 150 logins with 10% rejection ratio and first RHS to cross 40 Cr Retail disbursement.
• Till date highest single disbursement of Rs 36 Cr LRD in 2015
• FY 2015-16 – 127 % ,FY 2106-17 – 80% and FY 2017-18 – 30% YOY growth.
• Ranked best in the country for 1 month, 3 times in the top 10 positions, and 5 times in the top 20 position
• NHL disbursement doubled YOY from 51.96 Cr to 110.40 Cr

• Spearheaded operations as Cluster Branch Manager for the Whitefield Cluster with a team of 70 professionals.

• Handling the Current account acquisition for South Bangalore Region
• Ranked No 1 Pan India as per BSC ranking for FY 2013-14

• Spearheaded branch management at Infosys and Electronic City branches, achieving phenomenal growth in book size from ₹68 Cr to ₹300 Cr in just 30 months.

• Secured the highest ever inbound mortgage deal of ₹16.5 Cr in Electronic City in 2012.

• Achieved top rank in Zonal BSC Scoring, becoming the most successful Branch Manager.

• Earned grade and functional promotion within 36 months due to exemplary performance

• SM CASA for multiple branches
• Launched 5 branches and registered highest penetration and success
• Plan and template used in new branch launch made as official template Pan India

• Launched TATA Indicom in South Kerala;

• Spearheaded pre and post-launch operations, establishing a robust distribution network.

• Expertly managed distribution channels, enhancing segment-wise productivity and achieving higher ARPUs.

• Cultivated strong corporate relationships, driving business growth.

• Achieved "Best Prepaid Cluster" recognition for Trivandrum in FY 2005-2006.

• Conceptualised Super-stockist for Rural Markets of Karnataka
• Introduction of digitization with Palm-tops
• Extensive Marketing Research activities

• Introduction of Factory Load Concept for low-cost distribution
• Handled Pop Dets Division for South Kerala

• Dealer Network of 3 districts of Kerala for Tyres and Tubes in the brand of Modi Continental Tyres

• Direct Sales Executive for Office Automation Products
• Achieved the best on-job and off-job experiences in handlng challenges of sales management.
• Created a strong foundation for a successful sales career.