M V KARTHICK
Business Head
Chennai,Tamil Nadu
Summary
*Vision-oriented business leader with over 22 years of rich & extensive experience with key focus on top-line profitability & business expansion.
*Rich experience in increasing business revenues, exceeding targeted goals, developing profitable & productive business relationships and building an extensive client base; skilled in accomplishing multi-fold revenue increase.
*Strong business acumen in managing Sales Operations of Mortgage - secured loans & unsecured loans which resulted in organizational growth; successfully disbursed average of INR 75-80 Crore with both secured & unsecured mortgage for self-employed business loans.
*Possess significant & progressive experience in NBFC and managed Region Disbursement Targets. Devised strategies for collection and recovery from clients against loans and advances after providing advice on the various payment options; in-depth understanding of collection operations inclusive of planning recovery from clients against pending/ unpaid bills after providing advice on the various payment options. Proven capabilities in managing overall risk & exposures of customers including Risk Assessment,
*Internal/ External Rating as well as Monitoring Portfolio Risk. Exhibited outstanding track record in managing Real Estate, Customer Relations, Pre & Post Sale Activities, Loan Products, Disbursal and Recovery Procedures. Wealth of expertise entails in developing relationships with key decision-makers in large corporate and enterprises for business development, for suggesting most viable services & cultivating relations with them for repeat business.
Overview
22
22
years of professional experience
1
1
Certification
Work History
ZONAL BUSINESS HEAD
HINDUJA HOUSING FINANCE LTD
CHENNAI
06.2022 - Current
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Supervising 57 Clusters – Started with 25 Clusters since June’22, expanded to clusters on Mar ’23 and have planned to stretch to 70 Clusters for FY 23-24.
• Recruited 5 RBH’s, 10 ABH’s & 37 CBH’s in very short span of time
• Each Cluster will have minium of 10 FOS & 4 Support Functions Credit/Tech/ Legal/Ops
• Elevated the Disbursements to 55 Crs from 32Crs within 6 months
• Brought the visibility of the organization in the Market by conducting Monthly EXPOs
• Introduced the new process for reducing the TAT - Worked well in a team setting, providing support and guidance.
REGIONAL BUSINESS HEAD
ADITYA BIRLA HOUSING FINANCE LTD
CHENNAI
09.2021 - 05.2022
- Developed and implemented regional business strategies to drive revenue and profitability growth.
- Managed a team of sales managers responsible for driving sales volumes across multiple channels within the region.
- Collaborated with marketing teams to develop promotional activities tailored to each region's needs.
- Monitored regional budget performance against approved targets and took corrective action when needed.
- Visited branches regularly to provide guidance on best practices for increasing sales volume.
Regional Head- MSME Loans ( Secured & Unsecured)- TN & Kerala
IDFC First Bank Ltd.
12.2016 - 08.2021
- Heading the complete Business function with key focus on bottom line profitability by monitoring the branch sales targets, ensuring optimal utilization of available resources along with management of Sales Operations
Cluster Head, Chennai
Janalakshmi Finance Services Ltd.
- 11.2016
- Spearheaded total 18 Branches of Janalakshmi Finance Services Ltd
- In Chennai Region
Area Business Manager
Cholamandalam DBS Finance Ltd.
05.2008 - 08.2015
- Successfully maintained a client's portfolio and managed recoveries/ collections and took legal steps against seriously delinquent accounts
Manager
Fullerton India Credit Company Ltd.
04.2007 - 04.2008
- Managed the entire spectrum of branch operation including Sales, Credit and Collections
Manager - Receivables
GE Money
03.2005 - 04.2007
- Successfully appointed and managed the collection agencies
Marketing Officer
Ashok Leyland Finance Ltd.
05.2002 - 02.2005
- Successfully recruited and built an effective Sales Team for managing the Sales Operations
Education
MA - Economics
The American College, Madurai
01.2002
BA - Economics
The American College, Madurai
01.2000
Skills
- Windows 7, XP, Vista, 8, 81 (All Desktop Versions)
- C, C, BASIC, FoxPro (Basic)
- Strategic Sales & Marketing
- New Business Development & Sales
- Regional Branch Administration
- Collections & Recovery
- Financial & Strategic Planning
- P&L Operations
- Recruitment & Selection
- Vendor Management
- Management Reporting
- Fluent in English, Tamil & all South Indian Languages
- Supervision and Leadership
- Communication
- Leadership
- Problem-Solving
- Training & Development
Certification
- A, B, C Certification in NCC
- Six Sigma (Base)
Personal Information
Date of Birth: 04/03/1980
Languages
- English
- Tamil
Timeline
ZONAL BUSINESS HEAD
HINDUJA HOUSING FINANCE LTD
06.2022 - Current
REGIONAL BUSINESS HEAD
ADITYA BIRLA HOUSING FINANCE LTD
09.2021 - 05.2022
Regional Head- MSME Loans ( Secured & Unsecured)- TN & Kerala
IDFC First Bank Ltd.
12.2016 - 08.2021
Area Business Manager
Cholamandalam DBS Finance Ltd.
05.2008 - 08.2015
Manager
Fullerton India Credit Company Ltd.
04.2007 - 04.2008
Manager - Receivables
GE Money
03.2005 - 04.2007
Marketing Officer
Ashok Leyland Finance Ltd.
05.2002 - 02.2005
MA - Economics
The American College, Madurai
BA - Economics
The American College, Madurai
Cluster Head, Chennai
Janalakshmi Finance Services Ltd.
- 11.2016