JOHN GEORGE
Zonal Head - North West India
Jaipur
Summary
Strategic banking and cooperative sector leader with over 25 years of success in branch expansion, fraud control, multi-state HR governance, and gold loan portfolio growth. Proven track record with industry leaders like ESAF, Muthoot, and Ashok Leyland, blending risk mitigation with people-centric leadership. Skilled in stakeholder management, law enforcement liaison, and compliance operations.
Knowledgeable Gold Loan Maven with proven track record of managing complex financial projects and leading cross-functional teams. Successfully implemented strategic initiatives that enhanced operational efficiency and drove business growth. Demonstrated expertise in risk management and financial analysis.
Overview
30
30
years of professional experience
3
3
Languages
Work History
AVP – HR & Vigilance
ESAF Multi State Agro Cooperative Society Ltd.
01.2024 - Current
- Led HR and Vigilance operations across 5 states (Rajasthan, Haryana, Maharastra, Madhya Pradesh and Chattisgarh), standardizing policies and implementing digital compliance dashboards.
- Developed vigilance reporting frameworks and regional taskforce that significantly reduced fraud exposure.
- Internal fraud cases dropped and compliance audit scores improved within 4 months.
- Analyzed data to identify areas of improvement, implementing changes that resulted in greater operational efficiency.
- Successfully managed change within the organization, ensuring smooth transitions during periods of restructuring or process improvements.
Regional Manager
Muthoot Mercantile Ltd.
08.2023 - 01.2024
- Directed regional expansion across Rajasthan, launching 5 branches in 5 months—exceeding the 6-month target.
- Oversaw recruitment of 25+ staff, established branch SOPs, and ensured regulatory readiness.
- Over 85% of branches achieved break-even within 90 days of opening.
- Developed and executed successful business plans that resulted in improved market share and profitability within the region.
- Boosted brand growth by devising strategic network and marketing tactics.
Area Manager
Muthoot Fincorp Ltd.
05.2011 - 11.2018
- Managed 50+ branches across Rajasthan and recruited/trained 250+ staff.
- Introduced peer-led learning models and improved HR consistency and SOP adherence.
- Reduced attrition by 38% and grew gold loan portfolio.
- Developed strong relationships with clients, leading to increased customer satisfaction and repeat business.
- Improved overall efficiency by identifying areas in need of improvement and implementing necessary changes.
Branch Manager
Muthoot Finance & Future Capital
01.2005 - 01.2011
- Launched 28 branches and implemented quality control for gold appraisal and loan turnaround.
- Trained 20+ appraisers to industry-aligned standards, reducing loan processing time by 60%.
- Recognized nationally with Pan-India 3rd Prize for travel performance and top gold coin sales.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Maintained friendly and professional customer interactions.
Branch & Sales Leadership Roles
Kotak Mahindra Finance & Ashok Leyland Finance
01.1996 - 01.2004
- Expanded vehicle finance sales in rural markets with over 15 dealership tie-ups and 50+ outreach events.
- Increased vehicle disbursal from 5 to 75 per month and reduced NPAs by 30% through enhanced collections.
- Self-motivated, with a strong sense of personal responsibility.
- Excellent communication skills, both verbal and written.
- Proven ability to learn quickly and adapt to new situations.
- Worked effectively in fast-paced environments.
Education
M.Com. - Economics And Financial Management
Rajasthan University
Jaipur, IndiaB.Com. (Hons.) - Accounts & Business Statistics
Commerce College
Jaipur, IndiaHigh School Diploma -
St. Xavier's Sr. Sec School
Jaipur 04.2001 -
Skills
- Finance and accounting oversight
- Financial acumen
- Channel management
- Operations management
- Audit & Compliance Systems
- Vigilance
- Experience with Excel data analysis
- Market expansion
- Experience with HRIS platforms
- Crisis management
- Finance and accounting oversight
Core Competencies
- HR Strategy & Employee Lifecycle Management
- Retail Banking & NBFC Operations
- Gold Loan & Vehicle Finance Expertise
- Vigilance, Risk & Fraud Control
- Multi-State Operations (5+ states)
- Branch Launch, Training & Compliance
- Police & Legal Liaison
- Performance Management Systems (PMS)
Timeline
AVP – HR & Vigilance
ESAF Multi State Agro Cooperative Society Ltd.
01.2024 - Current
Regional Manager
Muthoot Mercantile Ltd.
08.2023 - 01.2024
Area Manager
Muthoot Fincorp Ltd.
05.2011 - 11.2018
Branch Manager
Muthoot Finance & Future Capital
01.2005 - 01.2011
High School Diploma -
St. Xavier's Sr. Sec School
04.2001 -
Branch & Sales Leadership Roles
Kotak Mahindra Finance & Ashok Leyland Finance
01.1996 - 01.2004
M.Com. - Economics And Financial Management
Rajasthan University
B.Com. (Hons.) - Accounts & Business Statistics
Commerce College
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