H SUBRAMANIAN IYER
CHENNAI
Summary
Sharp and talented mortgage professional with experience of 7 years in sourcing new DSA, APF, and Connector onboarding. Excels in competitive, innovative, and creative environments while effectively managing sales distribution. Expertise in recruiting and training sales forces, resulting in increased sales, improved client retention, and a growing customer base.
Bilingual with a strong ability to motivate diverse staff to meet customer needs in the housing loans industry. Demonstrates a strong work ethic and dedication, with skills in planning, team management, and leadership.
Overview
7
7
years of professional experience
Work History
HOUSING LOANS SALES MANAGER
THE SOUTH INDIAN BANK LTD
07.2023 - Current
- Responsible for generating NTB(new to bank) housing loans business through Outbound vertical of the bank - DSA , BUILDER & CONNECTOR business
- Onboarding new DSA's and sourcing regular business from them
- Onboarding Builders as connectors and clearing APF's of new launch projects
- Recruiting and training Business Development executives as a part of building strong distribution network of sales force.
- Liaise with credit , valuation & Legal team to ensure disbursement on right time
- Provide Regular Market feedbacks to Policy team of the bank to enhance the products and thus catering better to the needs of new to bank customers approaching us for loan
MORTGAGE BRANCH SALES MANAGER
ICICI BANK LTD
06.2020 - 07.2023
- I worked as Mortgage sales manager in ICICI BANK LTD with an approach of FAIR TO BANK and FAIR TO CUSTOMERS
- Handled a team of 20 sales executives and two Territory sales manager in DST vertical of ICICI BANK LTD. I handled Builder and Connector vertical from 2020 June.Prior to that i was handling WEALTH MANAGEMENT BRANCHES of ICICI as a Mortgage Relationship manager. Got Promoted as Housing loans sales manager in the year of 2020 and moved to DST/Builder vertical.
- Was Responsible for sales of Mortgage & Housing loans and achieving Monthly quarterly and annual targets set against all parameters of business.
- Achieved Targets in APF coding , Connectors onboarding. Recruitment of sales executives and Territory sales managers in my team Conducting regular training to equip sales force.
- I Liaised with Credit ,Valuation, Builder, Legal and all other stake holders in order to deliver the disbursements within the timeline respecting the sentiment of buyers as Home purchases are a emotional decisions which make Home loans a EMOTIONAL PRODUCT.
- Enabled all Builder counters in a month through frequent meetings , interactions and Creating a good amount of SUD base.
- Providing seamless service to builders in releasing subsequent payments in under construction projects.
Mortgage Relationship Manager
ICICI BANK LTD
05.2018 - 04.2020
- Handled Mortgage business in EGMORE & ANNANAGAR WEALTH MANAGEMENT branches of icici bank.
- Educated customers about conditions of credit and loans, repayment requirements and loan periods.
- Compared customer references, credit ratings, risks against policy standards to balance risk.
- Analyzed client records to assess financial viability of lending applications.
- Advised customers on best available loan products and credit options.
- Responsible for activation of all RM's in the branch on Login, Sanction and disbursement .Working towards achieving monthly Mortgage targets of allocated Wealth management branch.
- Handled Mortgage requirement of ELITE ICICI account holders through WEALTH MANAGEMENT vertical.
- Developed relationships with local real estate agents to maintain sales pipeline.
Education
MBA - MARKETING AND HR
UNIVERSITY OF MADRAS
Chennai, India2018
BACHELOR OF COMPUTER APPLICATION - INFORMATION TECHNOLOGY
MS UNIVERSITY
Tirunelveli2015
Skills
- Excellent communication skills
- Excellent Negotiation skills
- Excellent Team handling skill
- Excellent in creating and maintaining Interpersonal Relationship between all stakeholders
- Excellent skills in understanding the Legal flow of proposed mortgage collateral
- Good Knowledge in understanding TECHNICAL VALUATION aspects of a collateral
- Excellent skills in Devising various PAYMENT SCHEMES MODELS like FLEXI, 10:80:10, 5:90:5 to compete with other financial institutions
- Good knowledge in designing SUBVENTION SCHEMES & CLP SCHEMS to top builders and capturing most of the business through the counter
- Excellent knowledge in APF processing
- Excellent knowledge in NRI MORTGAGE service
- Motivational leadership style
- Employee training
- Process improvement
- Excellent time management
- Multi-tasking
Accomplishments
- SIB - Was critical in onboarding many CAT A Builders into APF relationship of the bank
- SIB - created and sustained a team of Business development executives on off role of the bank
- ICICI - PAN INDIA 5th Best MORTGAGE RELATIONSHIP MANAGER in terms of Number of disbursement - 2020.
- ICICI - Created and Sustained a strong team of 20 executives and two team leaders in DST HOME LOANS Vertical for a period of 2.5 years. - 2020 - 2023
- ICICI - Played a KEY ROLE in devising a CLP SUBVENTION scheme to Projects : 1)BRIGADE RESIDENCES @ WTC perungudi 2)BRIGADE XANADU @ MOGAPPAIR
- ICICI - Scaled up business from 8 crores to 25 crores in a period of 2.5 years
Additional Information
- Linkedin profile : https://www.linkedin.com/in/sudhan-subramanian-459705117
Languages
Hindi
Intermediate
B1
English
Bilingual or Proficient (C2)
Tamil
Bilingual or Proficient (C2)
Hobbies
- Numismatist
- Philatelist
- Very keen in updating myself in current affairs
- Avid listener of music and info talks
Timeline
HOUSING LOANS SALES MANAGER
THE SOUTH INDIAN BANK LTD
07.2023 - Current
MORTGAGE BRANCH SALES MANAGER
ICICI BANK LTD
06.2020 - 07.2023
Mortgage Relationship Manager
ICICI BANK LTD
05.2018 - 04.2020
MBA - MARKETING AND HR
UNIVERSITY OF MADRAS
BACHELOR OF COMPUTER APPLICATION - INFORMATION TECHNOLOGY
MS UNIVERSITY
Similar Profiles
JISHA LIZA JAMESJISHA LIZA JAMES
Assistant Manager at The South Indian Bank LtdAssistant Manager at The South Indian Bank Ltd
Sandhya GopinathanSandhya Gopinathan
Faculty & Academic Coordinator at The South Indian bank LtdFaculty & Academic Coordinator at The South Indian bank Ltd
Asmitha Jyothi ShettyAsmitha Jyothi Shetty
Customer Representative and Branch Operations at The South Indian Bank LtdCustomer Representative and Branch Operations at The South Indian Bank Ltd