D. UMESH KUMAR
Chennai
Summary
A dynamic and seasoned Vice President with 32 years of comprehensive sales and leadership experience, including 20 years dedicated to the Financial Services industry (Home Loans, LAP). Specializes in scaling business operations, successfully launching new products (Affordable Housing), and building robust sales infrastructure across South India. Expert in navigating startup environments, leading high-volume P&L centers, and formulating effective credit and product policies. Seeking a strategic executive role to drive aggressive market expansion and deliver business profitability in the home finance sector.
Overview
32
32
years of professional experience
Work History
Vice President Sales Head – SOUTH (Afford
DBS BANK (DBIL) -
Chennai
04.2023 - Current
- Successfully launched and led the market entry for Affordable Housing Loans (AHL) across all South Indian states.
- Defined and co-authored policy preparation and credit appraisal guidelines for the AHL product in the South Zone, accelerating the end-to-end loan journey through automation initiatives.
- Analyze performance data and present strategic insights directly to the Managing Director and Regional Leadership (Singapore) during monthly business reviews.
- Recruit, train, and mentor sales leaders across locations on product knowledge, policy adherence, and execution.
REGIONAL BUSINESS HEAD
INDOSTAR HOME FINANCE LTD
Chennai
08.2017 - 04.2023
- Pivotal in scaling the startup from its initial team of 5 employees to an organization of over 650, building out the foundational sales and distribution strategy.
- Managed full P&L accountability for two high-growth states (TN and Karnataka), overseeing new business acquisition, portfolio quality, collections, and regional team training.
- Directly led and managed a regional team of over 220 employees.
Zonal Head
SUNDARAM BNP PARIBAS HOME FINANCE LTD
Coimbatore
04.2005 - 07.2017
- Directed the TN West Profit Center, overseeing the operations and performance of 13 branches, and managing complete business targets and recovery for the zone (2013-2017).
- Drove significant sales volume by establishing Direct Selling Teams (DSTs) and managing Direct Marketing Agents (DMAs).
- Cultivated a strong rapport with builders and key intermediaries to accelerate business development.
- Rapidly progressed through management roles (Business Development Officer, Assistant). Manager, Branch Manager) to Zonal Head over the 12-year tenure.
Commercial Vehicle Sales
TVS AUTOMOBILES (Ashok Leyland Commercial Vehicles) / ABT INDUSTRIES LTD (TATA Motors CV)
Chennai
09.2000 - 07.2005
- Sales leadership roles in Commercial Vehicle sales
Pharmaceuticals Executive
DR. REDDY'S LABORATORIES / PCI
Chennai
05.1994 - 03.1999
- Started career as a Medical Representative
Education
Bachelor of Arts -
Govt. Arts College
Coimbatore07-1990
Skills
- Executive leadership: P&L management, business strategy, driving profitability
- Market Expansion: South India Penetration, New Branch Rollout (across all tiers), Competitor Intelligence
- Product lifecycle: Affordable housing loan (AHL) launch, process automation, policy, and credit appraisal formulation
- Distribution and risk: DST/DMA management, portfolio quality oversight, collections and recovery strategy
- Talent Development: Leadership Recruiting, Sales Training, High-Performing Team Building
Timeline
Vice President Sales Head – SOUTH (Afford
DBS BANK (DBIL) -
04.2023 - Current
REGIONAL BUSINESS HEAD
INDOSTAR HOME FINANCE LTD
08.2017 - 04.2023
Zonal Head
SUNDARAM BNP PARIBAS HOME FINANCE LTD
04.2005 - 07.2017
Commercial Vehicle Sales
TVS AUTOMOBILES (Ashok Leyland Commercial Vehicles) / ABT INDUSTRIES LTD (TATA Motors CV)
09.2000 - 07.2005
Pharmaceuticals Executive
DR. REDDY'S LABORATORIES / PCI
05.1994 - 03.1999
Bachelor of Arts -
Govt. Arts College