Rajiv Kumar
Divisional Business Head
Kolkata
Summary
With more than 21 years of experience in the agricultural finance industry, I have been an accomplished and strategic leader. Throughout my career, I have driven business growth, expanded markets, ensured operational excellence, and delivered results as a financial technology professional. My background in fintech product development and innovation has been instrumental in achieving these outcomes. I have consistently fostered customer relationships, utilized technology to drive financial inclusion, and contributed to strong financial performance. My expertise lies in developing and executing comprehensive business strategies to successfully attain organizational objectives. Iam one of few divisional managers who is recognized and absorbed as leadership member for company.
Overview
22
22
years of professional experience
7
7
years of post-secondary education
Work History
Divisional Head – EAST, India Lead Digital Initiative & Customer Retention Lead
John Deere Financial India Pvt. Ltd.
- Responsible for Digital Initiative of India from Sales and Marketing as lead and New Product Since May 2020 along with Business responsibility of EAST.
Collection and Recovery Manager- India - (Collection- Tractor, Grain & Sugarcane Harvester
John Deere Financial India Pvt. Ltd.
05.2014 - 03.2016
- Demonstrated strong negotiation skills in resolving disputes with external parties, securing favorable outcomes for clients whenever possible.
- Assisted in the development of company policies for recovery management, ensuring compliance with industry best practices and legal requirements.
- Provided expert guidance on regulatory requirements related to recoveries, ensuring full adherence to relevant laws and guidelines throughout the organization.
- Reduced the time taken for recoveries by optimizing procedures, resulting in faster resolutions for clients.
Divisional Business Manager – EAST, & CG -(Retail Finance- Tractor, Grain & Sugarcane Harvester
John Deere Financial India Pvt. Ltd.
Kolkata
05.2012 - 05.2014
India Digital Project Lead- Sales & Marketing
Johndeere Financial India Private Limited
Kolkata
05.2020 - Current
- Transforming JDF toward FinTech company Since -2020
- As project Lead from Sales and Marketing, successfully developed and launched E KYC , E agreement and E Sign in JDF to enhanced customer experience in FY 2022
- Worked with core functions to bring Key Competitive Advantage features like Deferment, Skip payment facility
- Worked with IT team provide Fixed Due date , part payment features concept through modification/ develop in front end and back-end software
- Launch of new Front End Sourcing Software (JDF) to phaseout Utkarsh to take advantage of new technology like Cloud base and other advance features
- Launch of Customer Self Service App – My Financial App for providing complete end to end solution to customer requirements
- Successfully Launched and Drive Customer Retention Product in India in FY 21.
Assistant Area Manager – Udaipur
JK. Corp (Lakshmi Cement Div.)
06.2002 - 10.2004
- Enhanced employee performance through regular training sessions and constructive feedback.
- Increased customer satisfaction by effectively addressing concerns and resolving conflicts as an Assistant Area Manager.
- Managed budgets and financial reports to ensure profitability, identifying areas for improvement and cost-saving measures.
- Streamlined operations for improved efficiency with the implementation of new management strategies.
Divisional Credit Manager –East & UP &UTT (Retail Finance- Bank Relationship
John Deere Equipment Pvt. Ltd -India (Tractor Div.)
Kolkata
11.2009 - 05.2012
Area sales Manager -Retail Asset Finance for CG, JH, rest of MHA (Auto Loan, Commercial vehicle Loan and Construction Equipment)
ICICI Bank Ltd
10.2004 - 10.2009
Education
M.B.A - Marketing and System
IMT Ghaziabad
01.2000 - 04.2002
Industrial & Production Engineer (B.E) - undefined
NMAMIT, Mangalore University
01.1995 - 04.1999
Skills
Strategic Planning and Execution
Fintech Product Development
Digital Sourcing & Customer Management
Team Leadership and Development
Financial Analysis and Risk Management
Market Expansion and Business Growth
Customer Relationship Management
Regulatory and Compliance Knowledge
Product Development and Innovation
Multichannel Sourcing Strategies
Agile Methodology
Data Analysis and Visualization (eg, Tableau, Power BI)
Accomplishments
- Successful Launch of John Deere Financial as Tractor Financing NBFC across India
- Received Deere & Company Highest Recognition Award (Chairman Award) in FY 2012 as a part of team who developed Front end Sourcing and Credit Appraisal Software (Utkarsh).
- Received JDF Worldwide President Award for 6 times since 2012.
- Established Collection vertical and rolled out collection and repossession process across India in FY 2015
- More than 65 % penetration of managed financers penetration in Eastern state through a dedicated team of bank relationship with-in two years.
Nativeplace
Bihar Sharif, Bihar
Personal Information
Date of Birth: 12/01/78
Timeline
India Digital Project Lead- Sales & Marketing
Johndeere Financial India Private Limited
05.2020 - Current
Collection and Recovery Manager- India - (Collection- Tractor, Grain & Sugarcane Harvester
John Deere Financial India Pvt. Ltd.
05.2014 - 03.2016
Divisional Business Manager – EAST, & CG -(Retail Finance- Tractor, Grain & Sugarcane Harvester
John Deere Financial India Pvt. Ltd.
05.2012 - 05.2014
Divisional Credit Manager –East & UP &UTT (Retail Finance- Bank Relationship
John Deere Equipment Pvt. Ltd -India (Tractor Div.)
11.2009 - 05.2012
Area sales Manager -Retail Asset Finance for CG, JH, rest of MHA (Auto Loan, Commercial vehicle Loan and Construction Equipment)
ICICI Bank Ltd
10.2004 - 10.2009
Assistant Area Manager – Udaipur
JK. Corp (Lakshmi Cement Div.)
06.2002 - 10.2004
M.B.A - Marketing and System
IMT Ghaziabad
01.2000 - 04.2002
Industrial & Production Engineer (B.E) - undefined
NMAMIT, Mangalore University
01.1995 - 04.1999
Divisional Head – EAST, India Lead Digital Initiative & Customer Retention Lead
John Deere Financial India Pvt. Ltd.