Collin Moraes

Presently employed as Regional Role and primary Instrumental in commencing of Home Loans Business in Deutsche bank handling Mumbai Region and managing Mumbai | Gujarat Branches .

Have disbursed and created a Portfolio of Rs 1000 crores Plus Home loan Book since Nov 2020 .

Primarily sourcing of Home laons through Referral / channel Management | Branch Network | Wealth Management Team and Direct Sales Team .

Responsibilities Managed

Regular training to the team in terms of Product and referral Management .

Responsible for acheiving Sales Target and sourcing from Referral - channels / Branch Network / Wealth management Team for Home loan Business

Monitory Sales performance and productivity on Weekly / Monthly Basis .

Regular training to Sales Team on compliance / KYC’s to ensure sales and operational efficiency.

Supporting the CRM team in terms of conducting Personal discussion under the normal and Fast track programs

Support the collection team in maintaining and reducing the delinquency..

Maintaining the yield for entire Mumbai Region

Regular monitoring and tracking of PDD's and other statutory Items such as NOI and GST

Managing high value tickets transaction for the region { 20 crores Plus}

· Identifying and Setting up a Team of Relationship Managers and Officers ( DST Channel / Branch Channel ) in Mumbai for Home Loans / Mortgage Loans and Business Loans

· Setting up Sales Target and achieving them through a dedicated Direct Sales Team and distribution channels.

· Devising Sales and marketing strategies for the Sales Team

· Corporate and Builder tie ups around Mumbai / Thane etc

· Appointment and training of Distribution Channels for potential business

· Monitoring the performance of the Channels and the entire Sales Team

· Monitoring and maintaining the Team / Channels - P& L ,COA / Yield on monthly basis in terms of Team Plan

· Maintaining profitability of the entire Mortgage Team in Mumbai

Achievements of Collin Moraes :

· Positioned No 1 all over India in terms of Business generation and disbursement

· Appreciation letter recd from MD for being the best performer

· Deutsche Bank ( Leader of the year – 2009) - A National award scheme presented on acheivement of highest Home Loan disbursal – Asset Division for their outstanding performance.

· Deutsche Bank ( PBC Hall of Fame – 2009 ), A National award scheme presented to a selected group of employees within the Retail Sector for their outstanding performance and overall achievement .This has been given to selected candidate across the Bank

· Deutsche Bank ( Star of the year 2010 and Performer for Excellance 2010 – Sales Contest. A National award scheme presented on acheivement of highest Home Loan disbursal – Asset Division for their outstanding performance and Sales Contest

· In 2012 Overall Ranked 2nd across the county in terms of Business Volumes with Lap numbers of over 100 crores and HL numbers of 200 crores

· Have been amongst the Top most Sales Achiever and Trip to Bangkok - contest launched in the first half – 2013

· Star of the month – May 2014 for the disbursal of highest number of lap in a single month .

· Have been amongst the Top most Sales Achiever and Trip to Bali - contest launched in the first half – 2014

· Star of the month – Feb 2015 for the disbursal of highest number of lap in a single month

· Star of the month – March 2015 for the disbursal of highest number of lap in a single month

· Star of the month in Feb and March 2016

· For best Values and Beliefs – Client Centricity and Partnership 2015

· Best City Head Award for the year 2015

· Amongst top 2 performers in contest held in H1 2016

Job Responsibilities :

Regional role and presently handling Sales for Retail Assets products like Mortgages , Home Loans and X’Sell products to LAP clients .

{ Cross Sell products includes Insurance / Liability Products / Working Capital } for the entire Mumbai Region .

Sourcing of LAP business through Referrals | Channels , Direct Sales team | Branch Network and Wealth management Team .

· Managing a team of 50 employees and responsible for their productivity , Performance and Growth.

· Managing the profit and loss for the entire Mumbai Region and also a follow up on delinquency cases for the Region

Responsibilities Managed :-

Regular training to the team in terms of Sales and Marketing Appointing channels , Product Knowledge .

Responsible for Sales achievements from Referral - channels for Mortgage Business which includes HL / LAP

Segment targeted Self employed and PSL Cases .

Hiring and Appointment of New Referral partners and Sales team for the Region

Improvement on skills and efficiency and also managing the productivity of the Sales team and the Referral partners

Regular training on compliance and KYC to the Sales team to ensure sales and operational efficiency..

Supporting the CRM team in terms of conducting PD’s under the normal and Fast track programs

Support the collection team in maintaining and reducing the delinquency..

Maintaining the yield for Mumbai month basis the parameters assigned .

Regular monitoring and tracking of PDD's , End usage for the Mumbai region

Managing high value tickets transaction for the region

· Leading a Team of Relationship Managers and Officers for marketing of Asset Products - Home Loans / Mortgage Loans / LRD products

Job Responsibilities :

At present looking after Mortgages , Home Loans and X’Sell products { Insurance / Liability Products } for the entire Mumbai Region

· Major focus on marketing of Cross Sell products such as Business Loans / OD Against Property , Insurance and Liability products .

· To Increase the productivity of Relationship Managers / Sales Officers and distribution channels

· To achieve Business volumes for HL / Lap Business and also achievement of Cross Sell Targets

· Major Focus and strategies devised for selling transactions related to Commercial property purchase and LAP – Residential and Commercial properties

· Day to Day Monitoring the performance of the Channels and Sales Team

· Monitoring and managing the costs of the City as per Plan ie the COA – Cost of Acquisition / Yield on monthly basis

· Identifying and forging alliances with builders & potential secondary distributors for higher volumes

· Working in coordination with the product, risk & policy team to assess and implement changes in processes , New Product Launches in accordance to the changing business requirement .

· Working in co ordination with the product Team for launching contest for the region

· Identifying, appointing & training of potential distribution channels for business

Job Responsibilities

At present looking after Retail sales and Marketing of Retail Asset / Liability and third party distribution

products in Mumbai.

· Managing and co-ordinating with the third party distribution team for marketing of Insurance and Mutual Fund Products.

Job Responsibilities

Head of Retail Asset Centre: - Mumbai & Gujarat .Initially responsible for generating business from Branches of GTB. Managed 16 branches for marketing of Retail Assets Products ie Housing Loans, Mortgage Loans and Personal Loans.

Responsible for achieving Retail Assets Sales target in Mumbai.

· Achieving Assets sales targets in Mumbai and Gujarat

· Setting up Sales Target and achieving them through Branches / Sales executives

· Managed GTB branches across the city for achieving the business target – Asset Products

· On going Sales and Product training to all Branch Personnel

· Allocation of sales target to all Branch Heads

· Driving the branches for achievement of Targets assigned to them

· To support Regional Head and Branch Heads in marketing the product

Positioned 2nd all over India in terms of Business generation

Job Responsibilities

Initially for a short period was looking after the entire retail assets products i.e. Money Drive (Auto Loan , Educational Loan , Personal Loan , Housing Loan, Loan against shares) in the Product Development Department.

Instrumental in starting the Retail Assets Sales team (Home Loans and Mortgage Loans) in Mumbai.

· Achieving Assets sales targets in Mumbai

· Setting up Sales Target and achieving them through Branches / Marketing executives

· To identify and Appoint DSA’s and DSE’s

· Handling a team of DSA / DSE

· Product and Sales Training to DSA’s and DSE’s

· Monitoring the performance of the DSA's

· Corporate and Builder Tie ups

· Managed IDBI Bank’s branches across the city for achieving Sales Targets – Asset Products

· Devising marketing strategies and giving support to the marketing executive and

Branch personnel

Also Instrumental in starting a separate unit at Chembur Branch as Mumbai-2 Operations doing a business to the tune of 5Crores a month.

Projects undertaken:-

· Navi Mumbai Builders Forum exhibition held at Vashi from Nov 29th till Dec 3rd

· Evershine – IDBI Bank “ Sampoorn Ghar Ustsav “ at Evershine City – Vasai (East) for a period of 4 months – Total Business done is approx 10 crores in 4 months

· IDBI Bank was the first bank to start 100% finance

· MCHI Exhibition

· Organizing Loan Shops at various places in Mumbai and Thane

· Appointment of DSA’s

· Initially started with monthly disbursement of 1 crore and later on was instrumental along with my team members to do disbursements to the tune of 50 Crores.

· Part of the first ever builder tie up with Evershine builders where the business generation was to the tune of 10 crores. (Responsibilities handled were sales / credit and Operations.)

· Member of the Retail Assets team –IDBI Bank which achieved 1000 Crores disbursements.

Job Responsibilities

· Marketing Of Auto Finance Schemes (Hire Purchase & Leasing).

· Developing Dealer Network

· Coordination with third party agencies

· Handling Direct Sales Associate

Credit appraisal of the proposals

Job Responsibilities

· Marketing Of Auto Finance Schemes

· Marketing of Maruti Suzuki Vehicles.

· Developing Broker Network.

· Corporate Marketing.