YAJJALA RAVI KUMAR
Hyderabad
Summary
With over 11+ years of enriching experience in the banking sector, my core competencies in mortgage lending and retail banking have flourished at Standard Chartered Bank. My mission aligns seamlessly with the bank's ethos of delivering exceptional services to a diverse clientele including HNIS, NRIs, and Corporate. At Standard Chartered Bank, I aim to leverage my expertise to enhance our mortgage product offerings and foster lasting client relationships. Strategic Senior Manager known for productivity and efficiency in task completion. Skilled in leadership, operational strategy, and financial management. Excel at communication, problem-solving, and adaptability to drive team success and achieve organizational goals.
Overview
12
12
years of professional experience
Work History
Sr. Manager (Band -7)
Standard Chartered Bank
Hyderabad
12.2021 - Current
- Product: Home Loans, LAP, and LRD.
- (All Channels) - As a Senior Manager, I have been orchestrating the mortgage business across various channels, tailoring our approach to meet the specific needs of the Direct channel, DSA channel, Connector channel, Builder Market, Digital leads, and Branch networks.
- Meeting with Builder Channels, referral channels - DSA, and other connectors for new business source and conducting product training with branch resources and DSA resources.
- Developed and maintained a robust client portfolio, understanding individual mortgage needs to provide customized solutions.
- Maintained consistent follow-up with clients to ensure long-term satisfaction and repeat business from existing customers.
- Conducted comprehensive consultations to evaluate clients' financial status, mortgage eligibility, and product suitability.
- Focusing on achieving and surpassing monthly and annual sales targets, should have the aim of contributing to a significant increase in company revenue.
- Strategized and executed effective sales campaigns to promote various mortgage products to diverse client segments.
- Implemented feedback mechanisms to improve service quality and enhance client satisfaction, delivering outstanding customer service by addressing client inquiries and concerns promptly.
- Facilitate the mortgage application process for clients, ensuring accurate and complete documentation. Coordinate with underwriters, appraisers, and legal teams to streamline loan approval and closing processes.
- Joint calls with branch managers for HNI and NRI customers.
- Focusing on cross sales along with HL, LAP, and LRD, and building teamwork.
- Mentored junior staff in the organization's business processes, customer service standards, and quality assurance protocols.
- Identified areas of improvement within existing operations through process analysis and benchmarking studies.
- Developed and implemented strategies to improve operational efficiency, reduce costs, and increase productivity.
Home Loan Sales Territory Manager
IDFC First Bank
Hyderabad
02.2021 - 12.2021
- Product: Home Loans (All Channels) - As a territory Manager, I was handed by team size of 5 relationship officers for home loan business and processing application with profiles like Salaried, Self-employed, Self-employed professional from builder market, branch channel, direct channel, DSA channel and digital leads
- Regular builder meetings and site visits for new APF's, along with branch heads.
- Conducted comprehensive consultations to evaluate clients' financial status, mortgage eligibility, and product suitability
- Strategized and executed effective sales campaigns to promote various mortgage products to diverse client segments
- Analyzed market trends and competitor offerings to enhance sales tactics and product positioning.
- Mentored and trained junior sales staff, enhancing team capabilities and overall performance.
- Established relationships with key customers, vendors, and distributors in the area.
- Provided training and support to team members on product knowledge, sales techniques, and customer service best practices.
- Negotiated contracts with new clients while maintaining existing business relationships.
- Resolved customer complaints promptly and professionally.
- Ensured compliance with company policies regarding pricing, promotions, warranties, returns.
Mortgage Sales - Deputy Manager
Axis Bank Ltd
Hyderabad
09.2017 - 01.2021
- Product: Home Loans & LAP (Branch Channel) - As a Deputy Sales Manager at Axis Bank Ltd, I am responsible for mortgage business from 14 branches under the Dilsukhnagar Cluster.
- Managed a team of 10+ employees by providing guidance, setting goals and objectives, delegating tasks, and monitoring performance.
- Manager honed my teamwork abilities, enabling me to effectively manage and expand the mortgage business in the competitive Hyderabad DSA channel and builder market.
- Daily team meetings at ASC or Branches, updating branches about lead status to branch resources on a regular basis, and meeting with cluster head, branch heads, along with branch staff for new lead generation.
- Getting business leads from branches, builders, Connectors, and the open market.
- Conduct regular performance evaluations, provide coaching and mentoring, and identify training needs.
- Conducted performance appraisals for subordinate staff members and provided feedback on their performance.
- Organized meetings, events, conferences, workshops for staff members.
- Attending team huddles with Branches and updating lead status with cluster head and branch resources.
- Monitored competitor activities to anticipate changes in the industry landscape and design appropriate response measures.
Home Loans Sales - Sr. Relationship Manager
ICICI Securities ltd
Hyderabad
12.2015 - 09.2017
- Product: Home Loans (All Channel) – Responsibility to visit branches, builder market, and referral partners to generate new business.
- Developed and managed a portfolio of existing clients to ensure long-term customer relationships.
- Conducted regular meetings with customers to discuss their needs and provide tailored solutions.
- Reviewed financial statements, credit reports, and other relevant documents in order to assess creditworthiness.
Mortgage Sales - Sr. Sales Officer
ABHFL
Hyderabad
06.2015 - 11.2015
- Product: Mortgages (Open Market & DSA Channel) - Responsibility to visit builder market and referral partners to generate new business.
Mortgage Sales - Sr. Sales Executive
I-Process India Pvt Ltd (ICICI BANK)
Hyderabad
01.2013 - 06.2015
- Product: Mortgages (Open Market) - Responsibility to visit builder market and referral partners to generate new business.
- Analyzed customer data to identify trends in buying behavior, preferences and needs.
- Maintained strong relationships with existing clients by providing prompt responses to inquiries and resolving any issues.
- Meeting with CAT A builders and processing the APFs, along with builder referral codes.
Education
Master of business administration - Marketing Specialization
JNTU
Hyderabad, Telangana01.2012
Skills
- Mortgage product knowledge, regulations, and market trends
- Strong leadership and team management abilities
- Strategic Planning
- Innovation management
- Excellent communication and interpersonal skills
- Effective sales, marketing strategies, and execution
- Ability to work under pressure, and meet deadlines
- Strong financial analysis and problem-solving skills
- Client Relationship Management
- Customer service excellence
- Financial analysis, loan processing, and documentation
- Business performance management
Accomplishments
- Awarded as a top business performer of Hyderabad in 2023 with Standard Chartered Bank.
- Awarded 3 times top performer in insurance selling in Axis Bank.
- Awarded 6th position across INDIA for Home Loan business in ICICI Securities in FY 2016 -2017.
Languages
Telugu
First Language
Hindi
Upper Intermediate (B2)
B2
English
Upper Intermediate (B2)
B2
Timeline
Sr. Manager (Band -7)
Standard Chartered Bank
12.2021 - Current
Home Loan Sales Territory Manager
IDFC First Bank
02.2021 - 12.2021
Mortgage Sales - Deputy Manager
Axis Bank Ltd
09.2017 - 01.2021
Home Loans Sales - Sr. Relationship Manager
ICICI Securities ltd
12.2015 - 09.2017
Mortgage Sales - Sr. Sales Officer
ABHFL
06.2015 - 11.2015
Mortgage Sales - Sr. Sales Executive
I-Process India Pvt Ltd (ICICI BANK)
01.2013 - 06.2015
Master of business administration - Marketing Specialization
JNTU
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