RAJESH KUMAR PAYYUR

Entrepreneurial & Strategic Visionary Professional with a dynamic career of over 25+ years that reflects year-on-year success in achieving business growth objectives and optimizing the entire value chain of business Senior Professional with nearly 3 Decades of expertise in Building, Growing and Managing Largely Secured and Unsecured Portfolio with a blended approach by Optimizing/Maintaining Risk, Pricing, and profitability while targeting the growth opportunities in the relevant sectors. Demonstrated ability to Develop a Set of Leaders with potential to independently Manage Business, backed by a stellar team to sustain the business performance. Have a clear Business Acumen, Customer Insights, Behaviors and understanding of Evolving dynamics to design appropriate Strategy and Also Being Solution oriented by aligning to Core Vision of continued value creation to all stake holders in order to be relevant in the chosen business. Accredited and Excelled as a Collection & Recovery Expert with over 29 years of success at the fore of many organizations, striving to impact their Collection Efficiency and consequently having a positive effect on the Return on Assets and Profitability by restricting Credit Cost to the minimum through continuous excellence. Distinguished proficiency in managing Lending business operations with focus on top & bottom-line performance and expertise in planning strategies, defining targets, resource administration and allocation of manpower, motivation & mentoring P&L Driver & Revenue Accelerator: driving revenue & profit gains and improving organizational performance; proficient in analyzing financial results & profitability implications, identifying business risks & implementing effective mechanisms to mitigate the same while targeting Growth Opportunities in the Lending Portfolio particularly in Vehicle Finance, Construction Equipment Finance, including LAP Business. Distinguished capacities in providing in-depth analysis of markets, industry trends, competitors and clients to improve strategic planning & decision-making Analyzed customer insights, ascertained target audience and best way to reach them in the most cost-effective & flexible manner with different set of sales strategies