KUMARAN R
BANKING AND FINANCE (NBFC)
CHENNAI
Summary
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Hardworking employee with customer service, multitasking, and time management abilities. Devoted to giving every customer a positive and memorable experience.
Overview
2026
2026
years of professional experience
3
3
Languages
Work History
Divisional Sales Manager
KINARA CAPITAL PVT LTD
07.2025 - Current
- Lead regional business for Business Loans, LAP, Machinery Loans, WC, etc.
- Drive revenue growth while maintaining controlled portfolio delinquency (DPD) .
- Manage and train a team of Branch Managers / Sales Executives across the region.
- Develop and strengthen distribution networks (DSA, DST, CPA, digital channels) .
- Review and optimize credit underwriting quality in coordination with credit teams.
- Implement regional strategies to achieve monthly and annual AOP targets .
- Monitor competitor activity and refine pricing, product positioning, and sourcing strategy.
- Ensure 100% compliance with regulatory guidelines and organizational SOPs.
Regional Sales Manager
KINARA CAPITAL PVT LTD
12.2020 - 07.2025
- Led and managed sales operations across [Region Name], overseeing a team of [#] sales representatives to consistently achieve and exceed regional sales targets.
- Developed and executed strategic sales plans to drive revenue growth, market penetration, and customer acquisition in assigned region.
- Analyzed regional market trends and competitor activity to identify new business opportunities and adapt sales strategies accordingly.
- Collaborated with cross-functional teams including marketing, product, and customer support to ensure alignment of regional goals with overall business objectives.
- Monitored KPIs and performance metrics to assess team effectiveness, implementing coaching and training programs to improve performance.
- Built and maintained strong relationships with key clients, partners, and distributors, enhancing customer satisfaction and retention.
Branch Sales Manager
KINARA CAPITAL PVT LTD
06.2017 - 11.2020
- Managed sales operations to enhance customer engagement and satisfaction.
- Led team meetings to discuss sales strategies and performance updates.
- Trained new staff on company policies and sales techniques effectively.
- Developed marketing materials to support local branch promotions and outreach.
- Analyzed customer feedback to identify areas for service improvement.
- Established overall growth, sales and profit objectives for branch in coordination with corporate office and established and adhered to annual branch budget.
SALES OFFICER
KINARA CAPITAL PVT LTD
11.2015 - 05.2017
- Evaluated and processed both secured and unsecured loan applications for individual and commercial clients, ensuring compliance with internal credit policies and regulatory guidelines.
- Assessed collateral for secured loans , including real estate, vehicles, and business assets, to determine loan-to-value (LTV) ratios.
- Performed credit analysis and risk assessment for unsecured loans , focusing on income verification, credit history, and debt-to-income ratios.
- Advised clients on suitable loan products, clearly explaining terms and risks of secured vs. unsecured financing .
- Managed end-to-end loan documentation, disbursal, and follow-up for both secured and unsecured lending portfolios .
Quality Supervisor
TOPAZ MULTI-INDUSTRIES
2009 - 2014
- Supervised quality control processes across multiple production lines.
- Conducted regular inspections to ensure compliance with industry standards.
- Developed and implemented quality improvement initiatives within the facility.
- Maintained documentation of quality reports and inspection results accurately.
- Reviewed test results, inspected finished products, and monitored production operations for compliance with specifications.
Education
M.phil - Public Administration
Madras Christian College
ChennaiMaster of Arts - Public Administration
Presidency College
ChennaiBachelor of Arts - Political Science
Presidency College
ChennaiSkills
Leadership & Team Mentoring
Accomplishments
- Received "Best Performer in Pan India" Award for [2015] , recognizing highest revenue growth and team performance across all divisions. And get a 10 Gram gold coin award
- Received 'Best manager award in Pan India' award for [2018]
- Received 'Best Performer Region in Pan India' award for 2020
LEADERSHIP ACHIEVEMENT
- Promoted 30 employee under my mentorship and leadership into deputy manager, manager roles,senior manager roles ,assistant functional manager , ensuring strong succession planning & organizational growth
- successfully build high performing team & leadership Pipeline
Timeline
Divisional Sales Manager
KINARA CAPITAL PVT LTD
07.2025 - Current
Regional Sales Manager
KINARA CAPITAL PVT LTD
12.2020 - 07.2025
Branch Sales Manager
KINARA CAPITAL PVT LTD
06.2017 - 11.2020
SALES OFFICER
KINARA CAPITAL PVT LTD
11.2015 - 05.2017
Master of Arts - Public Administration
Presidency College
Bachelor of Arts - Political Science
Presidency College
Quality Supervisor
TOPAZ MULTI-INDUSTRIES
2009 - 2014
M.phil - Public Administration
Madras Christian College