Summary
Overview
Work History
Education
Skills
Computing Skills
Multi Lingual Skills
Leisure Activities
Demographic details
Projects
Areas Of Interest
Certification
Timeline
Generic
PADMANABAN S

PADMANABAN S

Salem

Summary

To be associated with an Organization that gives me scope to update my knowledge and skills in accordance with the latest trends and be part of a team that dynamically works towards growth of organization and gains satisfaction thereof.. Goal-driven sales management professional bringing several-year career history in sales and proven track record of strategic business growth. Skilled at aiding in product marketing efforts. Adept at cultivating productive client relationships through positive rapport, tailored solutions and client engagement.

Overview

19
19
years of professional experience
1
1
Certification

Work History

Area Sales Manager

Kotak Mahindra Bank Ltd
Salem
03.2021 - Current
  • Managing Sales team of entire Tamilnadu comprising Location Marketing Heads , Team Sales Manager and Relationship managers
  • Maintaining highly motivated team to achieve core Tractor New product as well Refinance tractor target
  • Cross sell including insurance products ,Gold loans ,Retail liability products etc,. driven effectively to maintain team productive
  • Since 2021 maintaining Highest Market share in New tractor as well Refinance Tractor product among all financiers in Tamilnadu

Area Credit Manager – TFE

Kotak Mahindra Bank Ltd
Salem ,Bangalore
03.2012 - 03.2021
  • Product Dealing : Tractor Finance – New tractor finance, Refinance for pre-owned tractors, Harvester Finance and all other farm equipments finance -- Covered TN with the support of 2 location Credit Managers & Currently handling Karnataka with 3 Location Credit Managers
  • Rural Auto – Covering SCV & LCV upto 2.5 T capacity & MUV funding in Rural Areas
  • Recently Got transferred to Bangalore to handle Tractor & Farm Equipments Credit part
  • Credit Role: Assessing lag delinquency to know the realistic policy requirement and processes to be implemented in periodic manner
  • By conducting cross functionaries meeting regularly to fix the actionable for each stake holders to monitor all agri products delinquency in better manner
  • Implementation of processing files in system in better way to achieve quality MIS for macro monitoring purposes
  • Responsible for periodic review of PDD , 30+ delinquency, Non Starter, DPD CAR infant portfolio
  • Using various tools & strategies to manage the portfolio considering changing scenario in the market
  • Achievements: In TFE portfolio -- CAR(Captial at Risk ) reduced to the level of <1 % in Infant book
  • Helped sales team to achieve their targets by providing credit policy training to all managers and executives in periodic way to have better understanding about policies, this helped the team to source quality files.
  • Implemented FTR and FTNR( first Time Right) concept in Credit login stage and achieved the 85% FTR.
  • Conducting very frequent field visits to all products to have field level experience and assessed the files in better way
  • Vendors like Valuers were identified and managed in very good cost effective way.

Credit Manager – Retail Agri credit Policy and Underwriting

HDFC Bank Ltd
Salem
08.2006 - 03.2012
  • Product Dealing : Retail Agri Loans –Kisan Gold Card
  • Tractor Finance – New tractor finance, Refinance for pre owned tractors,Harvester Finance and all other farm equipments finance
  • SAB-Small Agri Business loans – Loan appraisal of Agri traders , Processing mills , MSMEs units
  • MicroFinance (Business Correspondent model, Direct Linkage, Retails model &Bulk lending)
  • Credit Role: Identified major business building opportunities in order to improve customer base in the area of SME Units, Commodity’s as well as Retail Agri
  • Analyzed economics of the clients needs and conducted competitor analysis resulting in entry strategy recommendations to increase volume of business.
  • Identified suitable customers by analyzing financial position, background & reputation and value of security for fixing credit limit.
  • Taking care of lawyer legal report verification, security valuation, mortgage of properties, equitable registered mortgage etc.
  • Prepared working capital analysis for Horticulture project, Processing unit, Sago industry, Poultry & Poultry feeds, Diary unit and Over Draft for other agri related Businesses
  • Assessing lag delinquency to know the realistic policy requirement and processes to be implemented in periodic manner
  • Small agri business a/c which are more than Rs.20 lac a/c where in periodical visits to unit and assessing the buz, using various credit parameters have been done and portfolio is maintained in healthy way
  • By conducting cross functionaries meeting regularly to fix the actionable for each stake holders to monitor all agri products delinquency in better manner
  • Implementation of processing files in system in better way to achieve quality MIS for macro monitoring purposes.
  • Achievements: Reduced PAR(portfolio at Risk ) level to tune of 2 % for all agri products
  • Helped sales team to achieve their targets by providing credit policy training to all managers and executives in periodic way to have better understanding about policies, this helped the team to source quality files.
  • Implemented FTR and FTNR( first Time Right) concept in logging in file and achieved the 2% FTNR for all products
  • Conducting very frequent field visits to all products to have field level experience and assessed the files in better way
  • Vendors like CPA,CPV,lawyers and Valuers were identified and managed in very good cost effective way.

Education

MBA -

Periyar University
Salem, Tamil Nadu
01.2008

B.Sc. - Agriculture

Tamilnadu Agricultural University
Coimbatore, Tamil Nadu
01.2005

HSC -

Govt Higher Secondary School
Jalakandapuram, Salem, Tamil Nadu
01.2001

SSLC -

Govt Boys Higher Secondary School
Jalakandapuram, Salem, Tamil Nadu
01.1999

Skills

  • Sales strategy
  • Market analysis
  • Credit assessment
  • Financial modeling
  • Agricultural financing
  • Customer relationship management

Computing Skills

  • Diploma in Computer Application
  • Working knowledge in Internet

Multi Lingual Skills

  • Tamil
  • English (proficiency in Reading, Writing, and Speaking)
  • Working knowledge in Kannada

Leisure Activities

  • Watching Movies
  • Hearing Music
  • Playing shuttle badminton

Demographic details

  • Date of Birth: 11/28/83
  • Gender: Male
  • Marital Status: Married

Projects

HDFC Bank Ltd, Credit Management Strategies of Beneficiaries and Non-Beneficiaries in Salem District – A Study for HDFC Bank ltd., Studies related to the functions of Agri lending – Credit Management Strategies adopted by farming community in Salem (one month duration)

Areas Of Interest

  • Banking
  • Finance
  • Marketing

Certification

  • JAIIB Certified -Complete certification conducted by IIBF
  • CCO Certified - Completed Certified Credit Officer conducted by IIBF

Timeline

Area Sales Manager

Kotak Mahindra Bank Ltd
03.2021 - Current

Area Credit Manager – TFE

Kotak Mahindra Bank Ltd
03.2012 - 03.2021

Credit Manager – Retail Agri credit Policy and Underwriting

HDFC Bank Ltd
08.2006 - 03.2012

MBA -

Periyar University

B.Sc. - Agriculture

Tamilnadu Agricultural University

HSC -

Govt Higher Secondary School

SSLC -

Govt Boys Higher Secondary School

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PADMANABAN S