C. Koushik
Hyderabad
Summary
Results-driven Sales Support Professional experienced in back-end operations and business process management. Delivered significant improvements in credit assessment timelines and enhanced operational efficiency through effective collaboration with dealers and customers, alongside innovative process enhancements. Focused on driving organisational growth and maximising customer satisfaction in a dynamic environment.
Overview
14
14
years of professional experience
Work History
Sales Support Representative
Caterpillar Financial Services India Private Limited
12.2019 - Current
- Conducted CIBIL checks, assessed creditworthiness, and classified deals as Go / No-Go / Conditional Go, ensuring accurate risk decisions.
- Collaborated with dealers and customers to understand profiles and collect complete documentation for faster credit assessment.
- Provided comprehensive customer information to the credit team, enabling quicker and more accurate decision-making.
- Addressed credit queries promptly with customers and dealers, reducing approval TAT and enhancing customer satisfaction.
- Ensured timely completion of Loan Agreement signing, Delivery Letter clearance, Booking process, and Disbursement.
- Handled dealer-side pressure while supporting CFSI and business operations with strong ownership and consistency.
- Lead monthly training for dealer sales teams on process gaps, improvements, and new workflows.
- Stationed at dealer location to manage end-to-end business operations for the GMMCO East Region, acting as a bridge between Dealer and CFSI.
- Managed operational trackers, including Login Status, Booking Status, FSE Productivity, Dealer Reward Points, SFDC Opportunity cleaning, Booking spread analysis, Campaign tagging, and KCP creation to streamline reporting.
- Delivered strong performance in CFSI with Met Expectations for 2 years and Exceeded Expectations in the latest appraisal.
- Recognized under the Continuous Improvement (CI) initiative for implementing pre-printed RTO booklets and a Revised Credit Application Form that improved process efficiency.
- Over 12 years of experience in back-end operations; transitioned into Sales Support to expand expertise and drive business outcomes.
Cluster Operations Manager
Adani Capital Private Limited
06.2018 - 12.2019
- Managed the Credright portfolio end-to-end.
- Delivered end-to-end operational support, enhancing collaboration between Karnataka and Tamil Nadu teams.
- Drove the team to improve First-Time-Right (FTR) percentage.
- Motivated the team to achieve top performance and KPI targets.
- Led monthly branch meetings with Sales & Collections teams to identify and resolve issues, driving effective solutions.
- Supported Sales & Collections teams in reducing MNR cases and improving NACH registrations.
- Coordinated with the Sales team to resolve issues effectively.
- Facilitated monthly training sessions for Operations and Sales teams, promoting process improvements and adherence to policies.
- Demonstrated in-depth understanding of all operational processes.
- Prepared daily workloads and coordinated allocation of tasks.
- Conducted monthly team-building activities to enhance motivation.
- Collated and provided manual MIS reports to management on time.
- Addressed customer inquiries efficiently and resolved issues quickly.
- Took additional responsibility for handling the acquired portfolio of Centrum and IDFC contracts.
Operations Executive
Volvo Financial Services India Pvt Ltd
12.2013 - 06.2018
- Managed Pre-Disbursement and Post-Disbursement activities across PAN India.
- Led a team of 3 members and coordinated daily workloads.
- Motivated team to consistently meet high standards and achieve KPIs.
- Coordinated with the sales team to resolve queries.
- Collaborated with sales and marketing teams to drive business growth initiatives.
- Managed NACH/PDC setup and representation; coordinated with banks for NACH registration.
- Checked KYC, disbursal, and post-disbursal documents.
- Handled cycle-date changes, disbursement cancellations, contract amendments, and restructuring.
- Processed and issued delivery orders for timely dispatch.
- Ensured timely presentation of first EMI cheques.
- Prepared Dues vs Banking reports.
- Provided accurate performance updates to management.
- Managed dealer and vendor empanelment processes, including creation of vendor codes.
- Supported statutory audits by internal and external teams.
- Sent disbursed agreements and files to storage.
- Sent PDC, SPDC, EMI cheques, and NACH mandates to banks on time.
- Submitted electronic stamp requests to vendors for documentation purposes.
- Generated and shared welcome letters and executed agreement copies via email.
- Prepared and shared DO and disbursal MIS daily with stakeholders.
- Prepared lease agreements and GST invoices; shared invoices with customers monthly.
- Prepared and dispatched balance confirmation letters to customers upon request.
- Possessed strong end-to-end process knowledge.
- Demonstrated strong communication, analytical, and problem-solving skills.
- Performed software testing to ensure proper functionality.
- Performed end-to-end testing of fixes and new change requests (CRs).
- Raised issues with the software development team for enhancements.
- Followed up with support teams for timely resolution of issues.
Operations Executive
E-nxt Financial Services Pvt. Ltd.
01.2013 - 12.2013
- Managed financial transactions and customer service at Tata Motors Finance Limited.
- Managed fleet contracts, refinancing, and body funding processes to facilitate timely execution.
- Releasing of RO’s (Release Order) and issuing payment to dealers, Contract Booking.
- Updating of PDD’s (Post Disbursal Documents in SAP).
- Sending the booked files to HO within TAT.
- Updating ECS, NACH, ADM and PDC’s in SAP and sending to HO within TAT.
- Reviewed customer profiles and documents logged by BDM to ensure compliance and accuracy.
- Responded to the CPC team regarding rejected cases and resolved issues.
- Creation of BP and Quote for the Loan Approved cases.
- Checking post approval files whether all documents are available as per Company norms.
- Maintained management information systems for accurate data tracking and reporting.
- Informing customers about EMI and due date. Remove "And" at the start creating awareness to pay EMI promptly on time.
- Experienced in handling cash counters and updating the receipts received from Collection executives in SAP.
- Handling the Walk-in customers and resolving their issues within TAT.
Education
MBA - Finance & Marketing
S.K University
Anantapur, AP01-2013
B Com - Computer Applications
S.K University
Anantapur, AP01-2011
12th - CEC
Board of Intermediate Education, A.P.
Anantapur, AP01-2007
10th -
Gayathri English Medium School
Anantapur, AP01-2005
Skills
- Credit analysis
- Risk decision making
- Adaptability
- Process improvement
- Operational effectiveness
- KPI monitoring
- Task prioritisation
- Results delivery
- Management skills
- Team leadership
- Lean
- Team motivation
- Decision making skills
- Loan administration
- Excellent communication skills
Custom
I hereby declare that the information furnished by me is true to the best of my knowledge.
Timeline
Sales Support Representative
Caterpillar Financial Services India Private Limited
12.2019 - Current
Cluster Operations Manager
Adani Capital Private Limited
06.2018 - 12.2019
Operations Executive
Volvo Financial Services India Pvt Ltd
12.2013 - 06.2018
Operations Executive
E-nxt Financial Services Pvt. Ltd.
01.2013 - 12.2013
MBA - Finance & Marketing
S.K University
B Com - Computer Applications
S.K University
12th - CEC
Board of Intermediate Education, A.P.
10th -
Gayathri English Medium School