KISHOR KUMAR.H
TERRITORY MANAGER (BUSINESS & COLLECTION)
Chengalpattu
Summary
Dynamic Territory Manager with 14+ years of experience in retail sales and Collections management. Proven record of managing territories and developing strategies to increase market share and grow profits. Expertise in customer relationship management, market analysis, and customer service.
Overview
15
15
years of professional experience
2
2
Languages
Work History
Territory Business Manager
Shriram Finance Limited
11.2023 - Current
- Business Budget Achievement for Loan Against Property (LAP), Personal Loan (PL), Business Loan, Micro Loan (JLG), Gold Loan and Cross selling
- Close coordination with Sales, Collection and Operations for business growth and portfolio health
- Branch Establishment, Staff Recruitment, identifying Business Opportunities, Team handling.
- Monitor all Branch's & drives them continuously to achieve the target every month
- Training & Development of Team
- Productivity & Collection efficiency
- Identification of new potential areas every month so that proper Quality expansion carried out
- To ensure 100% compliance on process, product & credit
- Ensure customers sourcing by the team without any deviations to maintain quality
- Training and motivating sales team to meet the targets
Branch Manager
L&T Financial Services Limited
08.2021 - 11.2023
- Performance review of Branch - disbursements and collections to achieve 100% target.
- Review on daily sales and collection against DRR at FLO level.
- Monitoring FLO productivity to ensure Branch are achieving the prescribed productivity.
- Visiting Branch and ensuring overall Branch hygiene
- Managing equal portfolio distribution within Front-line officers.
- Ensuring 100% achievement of Regular and 1 to 30 regular bucket collection efficiency and overall CE (excluding 360+).
- Monitoring and reviewing on time deposition and cash in hand 100%.
- Ensuring process adherence & RCU compliance
- Administration & Manpower Management.
- Dily conduct the Huddle meeting
- Daily Review Commitment vs Achievement.
Branch Manager
L&T Financial Services Limited
08.2021 - 11.2023
- Performance review of Branch - disbursements and collections to achieve 100% target.
- Review on daily sales and collection against DRR at FLO level.
- Monitoring FLO productivity to ensure Branch are achieving the prescribed productivity.
- Visiting Branch and ensuring overall Branch hygiene
- Managing equal portfolio distribution within Front-line officers.
- Ensuring 100% achievement of Regular and 1 to 30 regular bucket collection efficiency and overall CE (excluding 360+).
- Monitoring and reviewing on time deposition and cash in hand 100%.
- Ensuring process adherence & RCU compliance
- Administration & Manpower Management.
- Dily conduct the Huddle meeting
- Daily Review Commitment vs Achievement.
Area Head
Jana Small Finance Bank
02.2019 - 08.2021
- Responsible for Increasing the Branch Revenue through multiproduct platform.
- Hold meetings with employees in every Day to ensure the weekly, monthly and quarterly targets are met.
- Identify, evaluate and manage strategic risk and opportunities
- Disburse loan to identified communities in a time - efficient manner and ensure that loan payments are made timely as well
- Regular Collections 100% collected on every month and reduced delinquent Bucket A/C percentage.
- Traced delinquent customers to new addresses by inquiring at post offices, telephone companies, credit bureaus or through the questioning of neighbours.
- Increased sales 25% each year and consistently achieved & exceeded the targets Credit check (Pre sanctioned Loan and post sanctioned Loan)
- Process the application as per the KYC norms and credit policy laid down in the product manual
- Assets products - Joint Liability Group (JLG), Agriculture loan, Individual loan, Gold loan, Top- up loan. Home loan, Loan against Property (LAP) loan.
- Meet customers directly and close the call accordingly, also handle escalation calls and meetings with the customers.
- Professionally handled delicate situations, such as customer requests & complaints.
- Management of Branch Balance sheet
- Branch administration and control
- Drive the Sales and Collections strategy of branch oversee the implementation of packages
- Performed daily maintenance of the loan applicant database
- Educated customers on the variety of loan products and available credit options.
- Customer service & complaint management and compliance with to all aspect
- Petty cash management, payment follow up, bank reconciliation
- Liabilities products - Saving account, current account, FD/RD, Salary accounts, debit card issued and replace card issued and Insurance.
Area Head
Jana Small Finance Bank
02.2019 - 08.2021
- Responsible for Increasing the Branch Revenue through multiproduct platform.
- Hold meetings with employees in every Day to ensure the weekly, monthly and quarterly targets are met.
- Identify, evaluate and manage strategic risk and opportunities
- Disburse loan to identified communities in a time - efficient manner and ensure that loan payments are made timely as well
- Regular Collections 100% collected on every month and reduced delinquent Bucket A/C percentage.
- Traced delinquent customers to new addresses by inquiring at post offices, telephone companies, credit bureaus or through the questioning of neighbours.
- Increased sales 25% each year and consistently achieved & exceeded the targets Credit check (Pre sanctioned Loan and post sanctioned Loan)
- Process the application as per the KYC norms and credit policy laid down in the product manual
- Assets products - Joint Liability Group (JLG), Agriculture loan, Individual loan, Gold loan, Top- up loan. Home loan, Loan against Property (LAP) loan.
- Meet customers directly and close the call accordingly, also handle escalation calls and meetings with the customers.
- Professionally handled delicate situations, such as customer requests & complaints.
- Management of Branch Balance sheet
- Branch administration and control
- Drive the Sales and Collections strategy of branch oversee the implementation of packages
- Performed daily maintenance of the loan applicant database
- Educated customers on the variety of loan products and available credit options.
- Customer service & complaint management and compliance with to all aspect
- Petty cash management, payment follow up, bank reconciliation
- Liabilities products - Saving account, current account, FD/RD, Salary accounts, debit card issued and replace card issued and Insurance.
Branch Operations Manager
Accenture Services Pvt. Ltd.
07.2015 - 10.2017
- Overseeing the daily operations of the branch and ensuring all activities run smoothly
- Managing a team of employees and providing leadership and direction to achieve branch goals
- Developing and implementing strategies to improve branch performance and profitability
- Handling any customer complaints or issues in a timely and effective manner
- Identifying training needs and providing coaching and development opportunities for staff
- Petty cash management, payment follow up, bank reconciliation
- Branch administration and control
- Credit check (Pre sanctioned and post sanctioned)
- Disburse loan to identified communities in a time - efficient manner and ensure that loan payments are made timely as well
- Building and maintaining relationships with customers, vendors, and other stakeholders
- Ensuring compliance with company policies and procedures, as well as industry regulations
- To monitor and supervise all the operational activities of branch
Branch Operations Manager
Accenture Services Pvt. Ltd.
07.2015 - 10.2017
- Overseeing the daily operations of the branch and ensuring all activities run smoothly
- Managing a team of employees and providing leadership and direction to achieve branch goals
- Developing and implementing strategies to improve branch performance and profitability
- Handling any customer complaints or issues in a timely and effective manner
- Identifying training needs and providing coaching and development opportunities for staff
- Petty cash management, payment follow up, bank reconciliation
- Branch administration and control
- Credit check (Pre sanctioned and post sanctioned)
- Disburse loan to identified communities in a time - efficient manner and ensure that loan payments are made timely as well
- Building and maintaining relationships with customers, vendors, and other stakeholders
- Ensuring compliance with company policies and procedures, as well as industry regulations
- To monitor and supervise all the operational activities of branch
Operations Assistant Cum Cashier
Janalakshmi Financial Services Ltd
10.2012 - 06.2015
- Safeguard and advance cash from vault for daily loan disbursement, cash withdrawal and settlement of other expenses.
- Prepare expense vouchers attaching with sufficient supporting documents.
- Collect daily cash from loan payment, customer deposit and cash return from tellers.
- Reconcile daily physical cash with cash balance in accounting system and prepare daily cash count sheet.
- Input customer's information into accounting system to generate customer identification number, loan account, and saving account.
- Print out loan repayment schedule, customer profile and account statement for customers and other stakeholders.
- Explain to customer on their repayment schedule, credit discipline and other related policies and procedure.
- Perform cash count with branch manager, controller, internal auditor, external auditor and other related supervision authority.
- Perform other tasks assigned by manager.
Operations Assistant Cum Cashier
Janalakshmi Financial Services Ltd
10.2012 - 06.2015
- Safeguard and advance cash from vault for daily loan disbursement, cash withdrawal and settlement of other expenses.
- Prepare expense vouchers attaching with sufficient supporting documents.
- Collect daily cash from loan payment, customer deposit and cash return from tellers.
- Reconcile daily physical cash with cash balance in accounting system and prepare daily cash count sheet.
- Input customer's information into accounting system to generate customer identification number, loan account, and saving account.
- Print out loan repayment schedule, customer profile and account statement for customers and other stakeholders.
- Explain to customer on their repayment schedule, credit discipline and other related policies and procedure.
- Perform cash count with branch manager, controller, internal auditor, external auditor and other related supervision authority.
- Perform other tasks assigned by manager.
Finance & Accounts - Executive
Bhart Electronics Limited
09.2011 - 09.2012
- Preparation of Documents & Reports in Microsoft Word, Excel.
- Accessing SAP-Finance & Accounts Module following areas.
- Processing of Bills for Payment
- Preparation of Vouchers
- Clearing of GR/IR A/c
- Clearing of Vendor A/c
- (A Govt. of India Enterprise, Ministry of Defence)
Finance & Accounts - Executive
Bhart Electronics Limited
09.2011 - 09.2012
- Preparation of Documents & Reports in Microsoft Word, Excel.
- Accessing SAP-Finance & Accounts Module following areas.
- Processing of Bills for Payment
- Preparation of Vouchers
- Clearing of GR/IR A/c
- Clearing of Vendor A/c
- (A Govt. of India Enterprise, Ministry of Defence)
Education
B.COM - commerce
Madras University
Chepauk01.2013
DMOP - Modern Office Practice
State Institute of Commerce Education
Tharamani01.2011
HSC - undefined
R.C. HR.SEC. School
SENDIVAKKAM01.2008
SSLC - undefined
R.C.HR.SEC. School
SENDIVAKKAM01.2006
Skills
Windows XP
Windows 7
Windows 8
Windows 10
SAP R/3
CBS
Tally ERP 9
Excel
Word
PowerPoint
Typewriting-English
Personal Information
- Father's Name: E. HARI
- Date of Birth: 03-06-1990
- Gender: Male
- Marital Status: Married
Personal data processing
I hereby declare that the above-mentioned information is correct up to my knowledge.
Timeline
Territory Business Manager
Shriram Finance Limited
11.2023 - Current
Branch Manager
L&T Financial Services Limited
08.2021 - 11.2023
Branch Manager
L&T Financial Services Limited
08.2021 - 11.2023
Area Head
Jana Small Finance Bank
02.2019 - 08.2021
Area Head
Jana Small Finance Bank
02.2019 - 08.2021
Branch Operations Manager
Accenture Services Pvt. Ltd.
07.2015 - 10.2017
Branch Operations Manager
Accenture Services Pvt. Ltd.
07.2015 - 10.2017
Operations Assistant Cum Cashier
Janalakshmi Financial Services Ltd
10.2012 - 06.2015
Operations Assistant Cum Cashier
Janalakshmi Financial Services Ltd
10.2012 - 06.2015
Finance & Accounts - Executive
Bhart Electronics Limited
09.2011 - 09.2012
Finance & Accounts - Executive
Bhart Electronics Limited
09.2011 - 09.2012
B.COM - commerce
Madras University
DMOP - Modern Office Practice
State Institute of Commerce Education
HSC - undefined
R.C. HR.SEC. School
SSLC - undefined
R.C.HR.SEC. School