B. RUPESH KUMAR
Vijayawada
Summary
Dynamic and result-driven Senior Banking & Financial Services Leader with 17 years of rich experience across Sales, Collections, Credit Risk, and Portfolio Management. Proven track record of scaling retail loan products, including Affordable Housing Loans (HL), Loan against Property (LAP), Personal Loans (PL), and Business Loans (BL). Adept at driving multi-fold business growth, managing large-scale cross-functional teams (up to 300+ employees), and building high-yielding channel/connector networks. A strategic decision-maker recognized nationally for delivering exceptional P&L performance while maintaining top-tier asset quality.
Overview
18
18
years of professional experience
Work History
State Head – Sales
IKF Home Finance Ltd
Vijayawada
05.2025 - Current
- Formulate and execute growth strategies for Affordable HL and LAP across 7 clusters and 33 branches, leading a team of 129 Relationship Officers.
- Spearhead the "Connector Business Model" and open market activities to drive aggressive portfolio expansion.
- Delivered a historic 290% YoY growth for FY 25-26, boosting monthly disbursements to an average of ?16 Cr (peaking at ?20 Cr in March 2026 with 340 logins).
Regional Business Manager – Affordable HL & LAP
Cholamandalam Investment and Finance Company Ltd
Nellore
02.2023 - 05.2025
- Oversaw regional business operations across 6 Areas and 28 branches with a direct sales team (DST) of 160 professionals.
- Managed an overall cross-functional team of 300+ employees spanning sales, credit, and collections, overseeing a ?1,800 Cr book size.
- Maintained a clean portfolio and drove an average monthly business of ?43 Cr via robust connector engagement strategies.
Cluster Manager – Affordable HL & LAP
Home First Finance Company Ltd
Nellore
09.2022 - 02.2023
- Directed business development, team building, and operational targets across 5 designated branches.
Area Business Manager – Affordable HL & LAP
Cholamandalam Investment and Finance Company Ltd
10.2018 - 07.2022
- Managed end-to-end sales and collection operations for 5 branches, maintaining a steady monthly average of ?10 Cr.
- Successfully grew the territory's volume metrics, causing the area to be elevated to a full corporate Region.
Area Sales Manager – HL & LAP (Salaried & SENP)
Dewan Housing Finance Corporation Ltd (DHFL)
Nellore
02.2016 - 10.2018
- Managed Branch Sales Managers across 4 districts to secure continuous retail growth.
- Consistently outperformed organizational benchmarks by achieving over 120% of the set business targets.
Branch Sales Manager – Prime HL & LAP
ICICI Home Finance Company Ltd
Villupuram
09.2014 - 02.2016
- Managed direct sourcing, inbound branch business, and the DSA vertical across the Rest of Tamil Nadu (ROTN) markets.
- Specialized in credit assessment and closure of high-ticket value HL and LAP portfolios.
Branch Manager (Promoted from Collection Executive)
Shriram City Union Finance Ltd
Nellore
09.2008 - 09.2014
- Directed comprehensive branch operations, leading credit, accounts, tele-calling, and collection teams.
- Owned the P&L targets for a diverse product suite, including SME Business Loans, HL, PL, CV, and Gold Loans.
Education
Bachelor of Arts (BA) -
Kakatiya University
01-2008
Skills
- Strategic Leadership: State & Regional Business Management P&L Ownership Scaling Operations
- Sales & Distribution: Sourcing Channels DSA & Connector Empanelling Open Market Activation
- Credit & Risk Management: Portfolio Management Risk Assessment Cash Flow Structuring (>?40 Lakhs)
- Team & Process Excellence: Cross-functional Leadership (Sales, Credit, Collections) TAT Optimization MIS Reporting
- Technical Proficiency: Advanced MS Office Suite (Excel, Word, PowerPoint) for data analysis, performance tracking, and MIS reporting
Accomplishments
- Exponential Business Growth: Scaled IKF Home Finance operations from 13 to 33 branches, driving a 290% YoY business growth and skyrocketing average monthly productivity from ?2.30 Cr to ?16.00 Cr.
- National Recognition: Awarded the Best Region Award (South) for FY 2023–24 at Cholamandalam for managing a massive ?1,800 Cr book size with a 197% target achievement.
- Pan-India Excellence: Consecutively won the Best Area Award (Pan-India) for FY 2020–21 at Cholamandalam, hitting 147% of the business target.
- Elite Performance Recognition: Inducted into the prestigious Gold and Platinum Clubs at ICICI HFC for consistently delivering peak login and disbursement volumes.
- Rapid Career Progression: Fast-tracked from a Collection Executive directly to Branch Manager at Shriram City Union Finance due to exceptional turnaround metrics.
Timeline
State Head – Sales
IKF Home Finance Ltd
05.2025 - Current
Regional Business Manager – Affordable HL & LAP
Cholamandalam Investment and Finance Company Ltd
02.2023 - 05.2025
Cluster Manager – Affordable HL & LAP
Home First Finance Company Ltd
09.2022 - 02.2023
Area Business Manager – Affordable HL & LAP
Cholamandalam Investment and Finance Company Ltd
10.2018 - 07.2022
Area Sales Manager – HL & LAP (Salaried & SENP)
Dewan Housing Finance Corporation Ltd (DHFL)
02.2016 - 10.2018
Branch Sales Manager – Prime HL & LAP
ICICI Home Finance Company Ltd
09.2014 - 02.2016
Branch Manager (Promoted from Collection Executive)
Shriram City Union Finance Ltd
09.2008 - 09.2014
Bachelor of Arts (BA) -
Kakatiya University