SAJEED PASHA MOHAMMED
Hyderabad
Summary
A Result oriented professional with 18+ years of experience into Mortgage's Lending Business, Like, Housing Finance, Loan Against Property, Affordable HL & LAP, Micro LAP verticals with NBFC's & Banking Sectors. Directly responsible for owning, conceptualizing and executing Strategic Business Plans for the Business across Telangana & Andhra Pradesh State's and accountable for performance delivery, profitability and Balance Sheet growth. I combine deep understanding of high yielding, small ticket affordable housing finance and mortgages markets across India along with the necessary strategic and financial acumen to build sustainable and profitable businesses. I believe in the emerging India story and that the real growth lies in the small-towns of India. That has led me over the last 14 years to take career decisions which helped me hone my understanding and skills in building strong and robust businesses focused on affordable finance customers. From past 14 + years of working in mortgages (HL & LAP) with lot of transferable knowledge of Business Development and Functional experience into Sales / Credit / Operations and Collections of Home Loans & LAP - Mortgages, Affordable Home Loans, MSE LAP, Small Ticket HL & LAP, Prime Sector Lending, Business Loans, Insurance, Quality Hiring, People Management, Hiring, Staff Solutions, Planning, Set Goals, P & L, Territory Planning, Policy & Process Adherence, Marketing, Business Strategy, Business Expansion, New Branches Establishment, Infrastructure Management, FMG Works, Operational Works, Branch Management, Team Management, Agency Management, Channel Management Client Servicing, Etc.. Recently Worked as a Zonal Business Head for Telangana, Andhra Pradesh & Maharashtra State's with Freecharge (A 100% Subsidiary by AXIS BANK) for Micro LAP division.
Overview
18
18
years of professional experience
Work History
Zonal Business Head - Micro LAP
Freecharge Technologies Private Ltd.
Hyderabad
09.2024 - 04.2025
- Worked as Zonal Business Head for Telangana, Andhra Pradesh & Maharashtra State's for Micro LAP
- Till Date Freecharge is in to QR Acquisition & Handling CA, CC, GL,BL GLG Products Only
- They may launch Secured Product Micro LAP in Future, by Coming FY
- Telangana, Andhra Pradesh & Maharashtra State Heads Reporting to me
- They have 3 Location Heads each & 18 Team Leaders in their Locations with Field Staff.
- Temporarily (Until Micro LAP Launch) I'm managing QR Payments Sales & Current A/Cs & Business Loans.
Zonal Business Head- Telangana State
Sarvagram Fincare Private Ltd.
Hyderabad
09.2023 - 09.2024
- Worked as Zonal Business Head Sarvagram Based out Hyderabad for Focused on Secured (LAP) & Un-Secured (BL/PL & GL) Ticket size for Micro LAP Rs. 5L to Rs. 25L
- Created Fastest Rs. 100 Crore + Portfolio from in span of 11 Months, with 2 Regions & 16 Branches
- Business Source by DST Channal
- Handling 4 Regions - Jangoan, Siricilla , Kodada & Ibrahimpatnam in Telangana State with 4 Regional Business Managers Reporting to me with each having 8 Individual Branches
- Being ZBH, Responsible for handling Business, Quality, Process and Portfolio Management.
- Ensuring the Zone/Area/Cluster/Branch Targets and quality process from Login to disbursements across the region with Collections.
- Achievements:
- Introducing the Sarvagram Brand into Telangana State with various Advertisement Campaigns
- Establish 32 Individual Branches and 4 Regional Offices in Telangana State
- Created Fastest Rs. 100 Crore + Portfolio from in span of 11 Months
- Awarded Best Emerging Region (Jangoan) of the Year in FY 23-24 Annual Award
- Develop / Create 36 Employees to Win the 'Directors Club' Award.
Zonal Business Head- AP & TS
Fedbank Financial Services Limited
Hyderabad
05.2019 - 01.2023
- Worked as Zonal Business Head -Fedbank Financial Services Ltd - Hyderabad for Small Ticket Mortgages & Affordable HL Ticket Size Rs. 5L to Rs. 50L.
- Created Rs.510 Crore portfolio with 3600+ accounts
- Handling 30 Individual branches across Andhra Pradesh and Telangana States with 2 Regional Business Heads & 2 Regional Quality Heads Direct Reports to me.
- Business Source DSA & DST Channal
- Being ZBH, Responsible for handling Business, Quality, Process and Portfolio Management, P&L, Sales, Branches Management, Credit underwriting, Sanctions, Collections.
- Sanction Authority up to Rs 30.00 lacs of AHL and LAP Proposals with some deviations.
- Underwriting & Credit Management.
- HL n Lap Approving Authority of Rs 30Lac with special focus on affordable housing and small ticket LAP segment.
- Vendor management and tie-ups for builder project & individual Properties.
- Managing large team and geography effectively.
- Planning, training, recruiting team to run the Credit Analysis, handling team of 70 +.
- Managing the productivity and TAT of Credit Team effectively.
- Managing Andhra Pradesh and Telangana State operations spread in 2 regions.
- Credit Risk analysis, Policy Formulation and Implementation.
- Development and review of product policies in consultation with all organizational functions to maintain business risk.
- Funding of emerging middle class - undocumented and documented income. Housing finance business.
- Achievements:
- Consistency Top Rated 5 for Past 3 Appraisal Years (2019-20, 2020-21 & 2021-22)
- Promoted as Associate Vice President in the FY 2020-21 for the Performance
- Promoted as Zonal Business Head in the Year of FY 2019-20 for the Performance
- Created Rs. 510 Crore + Portfolio from Rs. 2 Crore Portfolio of AP & TS
- Establish 30 Individual Branches from 2 Branches in AP & TS States
- Awarded as Best Emerging Zone of the Year in FY 19-20 Annual Award
- Awarded as Best Emerging Zone of the Year in FY 21-22 Annual Award
- Awarded 300 Crore AUM in May-2022
- Awarded 400 Crore AUM in Sept-2022
- Handling more than Rs 510 Cr portfolio with 3600+ accounts
- Better CE% in industry with more than 99% (99.42%)
- Maintained 98% of portfolios is in Zero bucket
- Maintain below 1% NPA
- Maintain 0 Cases PNP.
Senior Area Head - Sales
Bajaj Finance Limited
Warangal
11.2018 - 05.2019
- Worked as Senior Area Head for Rural Telangana (Except Hyderabad City) for Micro LAP Small Ticket Rs. 5L to Rs. 25L.
- Handle 12 BSMs and 40 RMs across Telangana State with Most of the District HQ.
- Being Area Head, Responsible for Business, Quality & Process with Customer Services.
Branch Head
Edelweiss Housing Finance Limited
Warangal
06.2015 - 07.2018
- Worked as Branch Head -Edelweiss HF Ltd - Warangal for Affordable HL & LAP Ticket Size Rs. 5L to Rs. 75L.
- Handling Individual branch with 1 BSM & 6 RMs & 2 OPS Staff.
- Business Source DSA & DST Channal.
- Being ZBH, Responsible for handling Portfolio Management, Business, Credit Underwriting, Operations, Collections& Customer Services with Branch Management.
- Sanction Authority up to Rs 30.00 lac's of AHL and LAP Proposals with some deviations.
- Achievements Disbursement Achievements Achieved Rs. 1 Crore Disbursement in Aug 2015 ( Branch 1st Operational Month) Achieved Rs. 2 Crore Disbursement in Aug 2016 ( 3 Times in FY-201617) Achieved Rs. 3 Crore Disbursement in Nov 2017, Jan'2018 & March '2018.
- Target Vs Achievement: 198% - FY 2015-16, 98% - FY 2016-17, 120% - FY 2017-18.
- Awards & Rewards: Awarded for 100% Achiever Club (2015-2016), Nominated for EDELWEISS TITAN Award (People Branch Category) (2015-2016), Winner of Paris & Amsterdam Trip (2015-2016)&London & Scotland Trip (20172018), Awarded for Business Performance, Branch Audit &Marketing Excellence (2016-17), Promoted with Highest Rating for the FY 2017-18 on Performance.
Senior Branch Sales Manager
ICICI Bank Ltd
Visakhapatnam
05.2013 - 06.2015
- Worked as a Senior Branch Sales Manager, Mortgages - Visakhapatnam for HL & LAP Ticket Size Rs.10 L to Rs. 2 Crore.
- Handling 16 ICIC Bank Branches with 2 Sales Officers & 14 Executives (I-Process).
- Business Source Through Bank Leads, Builders & DSA, Connectors.
- Being Sr. BSM, Responsible for handling Sales, Maintain Branch Staff Relationships, Builders Relationship Customer Services.
- Co-Ordinate with Team Credit & Team Operations.
- Achievements: Got Best Service Appreciation Letters from CEO -Mrs. Chanda Kochhar (8 times in the Career), Top 2ndRank in Sr. BSM Ranks of (Targets Vs Achievements)- Mega Sprint April 2014 for 4 Regions, BSC Achieved as per PMS: ALL INDIA RANKING 22 Out of 89, Joining Month 21 APF's Login - Out of 21, 18 was Approved and Code Created by EOD of July 2013.
Executive Relationship Manager
Bajaj Allianz Life Insurance Co. Ltd.
Warangal
05.2012 - 05.2013
- Worked as Executive Relationship Manager in Insurance - Alternate Channel.
Agency Manager
Birla Sun Life Insurance Co. Ltd.
Warangal
05.2008 - 10.2011
- Worked as Agency Manager in Insurance - Agency Channel.
Relationship Officer
Fullerton India Credit Co. Ltd.
Warangal
05.2007 - 05.2008
- Worked as Relationship Officer for Business Loans & LAP.
Education
B.A. - Sociology
Kakatiya University
Warangal, TelanganaMBA -
Sikkim Manipal University
Skills
- Business Development
- Portfolio management
- Credit underwriting
- Sales strategy
- P&L management
- Risk assessment
- Team leadership
- Business development
- Customer relationship management
- Market analysis
- Process optimization
- Operational efficiency
- Sales
- Credit
- Operations
- Collections
- People Management
- Marketing
- Business Strategy
- Branch Management
- Regulatory compliance
- Employee training
- Performance metrics
- Stakeholder engagement
- Prospect development
- Technical proficiency
- Brand management
- Employee development
- Project planning
- Written communication
- Organizational skills
- Market research
- Talent acquisition
- Product development
- Professional and courteous
- Teamwork
- Work Planning and Prioritization
- Operations management
- Budget management
- Time management
- Continuous improvement
- Multitasking Abilities
- Idea development and brainstorming
- Verbal and written communication
- Communication skills
- Performance reviewing
- Vendor management
- Adaptability
- Strategic planning
- Multitasking capacity
- Schedule oversight
- Collaborate cross-functionally
- Marketing management
- Pricing strategy
- Attention to detail
- Performance evaluations
- Positive attitude
- Problem resolution
- Budget development
- Decision-making
- Hiring and training
- Professionalism
- Managing operations and efficiency
- Performance tracking and evaluation
- Task prioritization
- Negotiation
- Staff management
- Management consultation
- Interpersonal communication
- MS office
- Process improvement
- Human resources management
- Complex Problem-solving
- Conflict resolution
- Analytical thinking
Languages
- English
- Telugu
- Hindi
- Urdu
Personal Information
- Date of Birth: 10/24/81
- Nationality: Indian
- Marital Status: Married
Timeline
Zonal Business Head - Micro LAP
Freecharge Technologies Private Ltd.
09.2024 - 04.2025
Zonal Business Head- Telangana State
Sarvagram Fincare Private Ltd.
09.2023 - 09.2024
Zonal Business Head- AP & TS
Fedbank Financial Services Limited
05.2019 - 01.2023
Senior Area Head - Sales
Bajaj Finance Limited
11.2018 - 05.2019
Branch Head
Edelweiss Housing Finance Limited
06.2015 - 07.2018
Senior Branch Sales Manager
ICICI Bank Ltd
05.2013 - 06.2015
Executive Relationship Manager
Bajaj Allianz Life Insurance Co. Ltd.
05.2012 - 05.2013
Agency Manager
Birla Sun Life Insurance Co. Ltd.
05.2008 - 10.2011
Relationship Officer
Fullerton India Credit Co. Ltd.
05.2007 - 05.2008
B.A. - Sociology
Kakatiya University
MBA -
Sikkim Manipal University
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