Raghuram V
Bengaluru
Summary
Dynamic and energetic professional with extensive expertise in personal loans and banking, demonstrating superior organisation skills and a goal-oriented approach. Proven track record in loan documentation and servicing, coupled with exceptional client service excellence and communication fluency. Adept at KYC procedures and sales, with a strong commitment to service orientation and people-oriented leadership. Seeking to leverage skills in a challenging role to drive success and growth.
Experienced in managing and growing businesses with knack for innovative solutions. Known for creating efficient processes and fostering strong team collaboration. Adept at navigating challenges and driving success.
Overview
20
20
years of professional experience
Work History
Branch Manager- Loans
RU LOANS AND DISTRIBUTION SERVICES PVT LTD
Bangalore
09.2025 - Current
- Led branch operations, ensuring compliance with regulatory requirements and company policies.
- Developed and implemented strategic plans to drive business growth and improve customer satisfaction.
- Managed team performance, providing coaching and mentorship to enhance productivity and efficiency.
- Analyzed market trends, identifying opportunities for product offerings and service enhancements.
- Established relationships with key clients to foster loyalty and increase referral business.
- Streamlined operational processes, reducing turnaround times for loan approvals and service requests.
- Conducted training sessions for staff on best practices in customer service and sales techniques.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
DSA PROPRIETOR
Accretion solutions
Bangalore, India
03.2011 - 12.2022
- Achieved and exceeded monthly and quarterly sales targets, contributing significantly to company revenue.
- Advised customers on best available loan products and credit options.
- Submitted credit and loan applications to underwriters for verification and recommendations.
- Provided exceptional after-sales support, addressing any queries or concerns promptly to maintain trust.
- Performed daily maintenance of loan applicant database.
- Prepared detailed reports on sales activities and performance metrics for management review.
- Fostered strong relationships with clients through regular follow-ups, ensuring high levels of retention and loyalty.
- Analysed clients' financial situations and needs to recommend suitable loan solutions, enhancing customer satisfaction.
- Processed loan applications by accurately gathering and verifying all necessary financial documents.
- Managed a portfolio of loan applications, ensuring timely progression through each processing stage.
- Identified and resolved discrepancies in application information that could affect loan approval.
- Established productive relationships with external partners to support efficient loan processing.
- Facilitated loan closings, including coordinating with all parties to ensure a smooth completion.
- Interviewed individuals to collect missing details for applications.
- Managed flow of applicants through approval process, completing continuous reviews and corrects to minimise delays.
- Developed and implemented improved loan processing procedures that reduced processing times by 20%.
- Collaborated with underwriters to resolve issues and move applications towards successful approval.
- Educated customers about conditions of credit and loans, repayment requirements and loan periods.
- Created and implemented monthly KPI targets, driving team motivation and morale to achieve them.
- Selected, trained and performance-managed staff to handle high workload with ambitious targets.
- Recruited and trained high-achieving sales teams, aiding company success against profit goals.
- Led sales team to exceed quarterly targets through effective coaching and performance monitoring.
- Improved team telemarketing skills by introducing and teaching modern sales techniques, encouraging positive engagement with customers and increasing sales.
- Optimised sales methods to best acquire, develop and retain customers.
- Organised weekly team meetings to review achievements, set goals, and discuss sales strategies.
- Organised weekly team meetings to review performance metrics, setting clear objectives to motivate and drive sales team towards excellence.
- Led by example to achieve sales and service targets while coaching to get maximum effort from teams.
- Delivered comprehensive training sessions on product knowledge and sales techniques to new team members.
- Resolved escalated customer issues with diplomacy and professionalism, ensuring high levels of customer satisfaction and loyalty.
Assistant Sales Manager
ING VYSYA LIFE INSURANCE COMPANY LIMITED
Bangalore
12.2010 - 02.2011
- Educated customers on available processes and services.
- Created strategic sales plans, designed to increase sales, customer loyalty and market awareness.
Team Leader
IDEAL SOLUTIONS
Bangalore
10.2009 - 11.2010
- Maintained excellent employee relationships by cultivating supportive, positive and helpful working environment.
- Monitored staff performance and developed improvement plans.
- Resolved complex customer enquiries, disputes and complaints.
Sales Team Leader
ASCON MARKETING SERVICES PVT LTD
Bangalore
03.2006 - 09.2009
- Improved team telemarketing skills by introducing and teaching modern sales techniques, encouraging positive engagement with customers and increasing sales.
- Monitored sales leads and conversions, motivating and incentivising teams to continue increased business.
- Motivated sales staff to continuously improve strategies through competitions and personalised coaching plans.
- Recruited and trained high-achieving sales teams, aiding company success against profit goals.
Education
Master of Business Administration - Finance
06.2013
Bachelor of Commerce - Bachelor of commerce
06.2010
PUC - HECA
06.2003
10th - SSLC
06.2001
Skills
Excellent work ethic
Group leadership
KYC procedures
Client service excellence
Loan servicing knowledge
Energetic
Communication fluency
Personal loans expertise
Banking
Loans
Written and verbal communication
Sales expertise
Service orientation
Goal-oriented
Superior organisation skills
Staff management
Decision-making
Team player
Training and development
Sales management
Interviewing and hiring
Goals and performance
Approachable
Financial services
Timeline
Branch Manager- Loans - RU LOANS AND DISTRIBUTION SERVICES PVT LTD
09.2025 - Current
DSA PROPRIETOR - Accretion solutions
03.2011 - 12.2022
Assistant Sales Manager - ING VYSYA LIFE INSURANCE COMPANY LIMITED
12.2010 - 02.2011
Team Leader - IDEAL SOLUTIONS
10.2009 - 11.2010
Sales Team Leader - ASCON MARKETING SERVICES PVT LTD
03.2006 - 09.2009
Bhartiyar University - Master of Business Administration, Finance
Bangalore University - Bachelor of Commerce , Bachelor of commerce
Sir M Vishveshwarayya PU college - PUC, HECA
Sri veerabadhra swami high school - 10th, SSLC