Sanal M M
Retail finance
Calicut
Summary
Looking for an exhilarating career with an organization of immense repute, which demands the best of my professional ability in terms of excellent analytical, organizational and communicational skills, and helps me in broadening and enhancing my current skills and knowledge. Also to study the work culture and management of corporate institutes to help myself become an employer in future.
Overview
14
14
years of professional experience
3
3
years of post-secondary education
2
2
Languages
Work History
Manager - Retail Finance & Insurance
Eram motors Pvt ltd
North Kerala
01.2015 - Current
- Relationship management with tie up finance partners and coordination with sales team for smooth retail finance operations in the North Kerala
- Ensuring the best finance option available to Mahindra customers in terms of LTV, IRR and EMI
- Creating a balance between the portfolio of different finance partners
- Ensuring the PSU banks participation in our business
- Spoke the finance stakeholders and designing the retail finance schemes as per market need
- Implementation drive and activation of tie-ups of finance companies
- Proactive initiatives and innovative ideas to increase the sales through retail finance channel
- Ensuring a healthy portfolio of all the finance partners by maintaining the basic hygiene and providing recovery support to finance companies
- Keeping close eyes on competition activity and initiatives, informing them to finance companies and planning a counter action to minimize the damage
- Handling channel finance portfolio (Inventory Funding and TA) for the dealership and arrange the funds
- Achievement of business plan targets in terms of TA volume and market share of each financiers
- Executive finance promotion plans & activities
- Conducting detailed market study to analyse the latest market trends and add new financiers to us
- Ensure the files are processed from login to disbursement are happen on committed TAT
- Work with finance coordinator team to ensure convert leads to business
- Daily TA rotation commitment, Colleting Dos from bank & NBFC
- Give clear ideas and directions to team members for achieving overall objective of the company and helping them for achieve the same
- Manage day-to-day performance of all finance team members and review the payment status
- Monitoring day to day activities of finance coordinator, (Daily Dos, Fund flow, PDD pending, payout collection Etc.)
- Training the finance process to sales team
- Arrange event and mela in association with finance companies and ensure it is happened
- Send Finance MIs to management
- Find out there are any relation between Sales and Finance co Executives (Executive Payout)
- Arrange the vehicle wise target to various finance companies on every month
- Tie up with new insurance companies and monitoring the business
- Ensure sooth function on body shop with tie up insurance companies
- Solving body shop problems with tie up insurance companies
Branch in Charge
Muthoot Fincorp Ltd
Kallachi
01.2012 - 01.2015
- Verification of day to day transactions
- Team management
- Innovating new ideas and promote business and ultimately making it as a profit centre
- Retention of existing customer and increasing customer base of the branches
- Identifying sales opportunities and their implementation
- Give clear ideas and directions to team members for achieving overall objective of the company and helping them for achieve the same
- Maintain healthy relationship with team members
- Handling customers queries and providing effective & timely resolution, collecting and reconcile the payments
- Ensure timely completion & submission of reports
- Coordinate with various departments to ensure smooth functioning of the branches
Business Development Executive
ING Vysya bank
Calicut
01.2011 - 01.2012
- Procuring new customers through direct contact, word-of-mouth, and collaboration with the marketing department
- Maintaining meaningful relationships with existing customers to ensure that they are retained
- Develop new CASA business
- Suggesting upgrades or added products and services that may be of interest of customers
Education
BBM - Business Management
CMS College of Science And Commerce
Coimbatore 05.2007 - 04.2010
Skills
- MS Access
- Microsoft Word
- Microsoft Excel
Team leadership
Decision-making
Time management
Staff development
Customer service
Business development
Relationship building
Sales management
Personal Information
- Date of Birth: 05/25/90
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Disclaimer
I hereby declare that all the details furnished above are true and best of my knowledge.
Timeline
Manager - Retail Finance & Insurance
Eram motors Pvt ltd
01.2015 - Current
Branch in Charge
Muthoot Fincorp Ltd
01.2012 - 01.2015
Business Development Executive
ING Vysya bank
01.2011 - 01.2012
BBM - Business Management
CMS College of Science And Commerce
05.2007 - 04.2010
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