RAJESH SURESHBABU
Bangalore
Summary
Result-oriented banking specialist with 3 years of experience in retail lending, specializing in consumer durable loans. Proven track record in loan acquisition, risk analysis, and cross-selling financial products, aiming to contribute strategic value in a growth-oriented banking environment.
Overview
3
3
years of professional experience
Work History
SALES EXECUTIVE
HDB FINANCIAL LTD
BENGALURU
09.2021 - 09.2023
RELATIONSHIP OFFICER
HDFC BANK LIMITED
BENGALURU
09.2023 - 10.2024
- Roles: Customer Interaction and Loan Promotion. Promote consumer durable loans (for TVs, refrigerators, mobile phones, etc.). To walk in customers and through outbound calls.
Educate customers about loan features, benefits, eligibility criteria, interest rates, and repayment terms.
Loan Application Processing: Collect and verify customer documents (KYC, income proof, invoices of durable items, etc.).
Ensure all application forms are correctly filled out and submitted.
Credit Evaluation and Risk Assessment: Conduct an initial assessment of the applicant's creditworthiness.
Coordinate with credit teams for credit bureau checks and eligibility confirmation.
Loan Disbursement Coordination: Liaise with internal teams and merchant partners for the timely disbursement of loans.
Ensure all pre-disbursement conditions are met.
Compliance & Documentation
Ensure adherence to bank policies, regulatory guidelines, and RBI norms.
Maintain accurate and complete records of all loan files.
Customer Service and Relationship Management: Resolve post-disbursement queries, including EMI schedule, foreclosure, and grievances.
Cross-sell other financial products based on the customer profile.
Sales Target Achievement
Work towards achieving monthly and quarterly loan disbursement targets.
Maintain healthy conversion ratios from leads to disbursements.
Coordination with Retail Partners: Manage relationships with appliance retailers and electronics showrooms for sourcing leads.
Train retail staff on the bank’s loan products and application process.
Education
B.Com(CA) -
Sacred Heart College
Tirupattur04-2021
12th std -
Concordia Higher Secondary School
Barugur04-2018
10th std -
Islamiah higher secondary school
PernambutSkills
- Consumer Durable Loan Processing
- EMI Calculation and Loan Structuring
- KYC and document verification
- Knowledge of RBI guidelines and compliance
- Disbursement and Post-Sanction Process
- Handling customer queries and grievances
Languages
- Kannada
- English
- Hindi
- Tamil
References
9611471240 JEEVAN SALES MANAGER
Personal Information
- Gender: Male
- Marital Status: Unmarried
Achievements Awards
- Recognized by HDFC Bank as an ACHIEVER Past 3 years
- One of the active members of the ECO Clubs in college
- CQC leader in college, and also business process optimization
Timeline
RELATIONSHIP OFFICER
HDFC BANK LIMITED
09.2023 - 10.2024
SALES EXECUTIVE
HDB FINANCIAL LTD
09.2021 - 09.2023
B.Com(CA) -
Sacred Heart College
12th std -
Concordia Higher Secondary School
10th std -
Islamiah higher secondary school
Similar Profiles
Sanju ParchaSanju Parcha
Assistant Manager at HDB FINANCIAL SERVICESAssistant Manager at HDB FINANCIAL SERVICES
NILESH BADGUJARNILESH BADGUJAR
Sales Executive at HDB Financial ServicesSales Executive at HDB Financial Services
SHIVESH TIWARISHIVESH TIWARI
Relationship Manager at HDB FINANCIAL SERVICESRelationship Manager at HDB FINANCIAL SERVICES