Sangeetha Nayanar
Kochi
Summary
Dynamic leader with extensive experience at HDFC SALES, specializing in credit analysis and team management. Proven ability to optimize sales performance and reduce bad debt losses through strategic risk assessment and relationship management. Expertise in financial analysis and operational improvement has consistently enhanced customer satisfaction and employee performance across diverse regions. Committed to driving further advancements in sales effectiveness and team development.
Overview
21
21
years of professional experience
Work History
Assistant Regional Manager – Credit Risk Assessment
HDFC SALES
04.2016 - Current
- Accountable for the entire credit granting process, including the consistent application of a credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers, with the goal of optimizing the mix of company sales and bad debt losses
- Regions Managed: Kochi (25 Service Centers), Trivandrum (15 Service Centers) Coimbatore (12 Service Centers)
- Teams Managed: 45 Members across three departments scanning, credit and disbursements
- Volumes Managed: average of 3800 files and disbursements of 540 CRS per month
- Key Job Responsibilities
- Verify and authenticate KYC and financial documents to prevent fraudulent activities
- Assess customer files to determine their creditworthiness for Home Loans
- Ensure conversions of Logins to Sanctions and from Sanctions to disbursements within minimum turnaround time
- Coordinate and oversee the entire disbursement process to ensure its smooth operation
- Maintain a streamlined credit process within the branch and adhere to Turn Around Time
- Reporting and update on the changes in the policy, documents or the overall process, manage updates through meetings and conference calls at AM, ASM or SM levels
- Collaborate with HDFC LTD, legal, and technical teams for loan sanctions and smooth disbursement
- People management responsibilities including clarification of incentive structures within the team members to motivate better performance
- Collaborate with the training team to address the knowledge and skill gaps and conduct training sessions for the team as required
Partner
MOOSA ALI SEQER TRADING LLC
01.2008 - 01.2016
- Company Overview: Dubai
- Customer relationship management: sustaining existing customers and build new business through networking and client engagement
- Efficient vendor management to ensure quality and cost control
- Finance operations and reporting includes closely monitors Cash management, Accounts Payable, Account Receivable and Bad debt review
- Dubai
Sales Coordinator/Admin
INTER EMIRATES
01.2006 - 01.2008
- Company Overview: Dubai
- Developed and sustained relationships with potential and existing clients by coordinating professional meetings, attending promotional events and providing effective administration
- Exceptionally knowledgeable in invoice processing procedures and programs
- Responsible for drafting accurate quotations and various pro-forma invoices to customers
- Perform billing, payment allocation, collection and activity reporting following established protocols, to tight deadlines
- Monitor customer account details and identify and investigate non-payments, delayed payments and other irregularities
- Dubai
Head Sales Executive
MAHENDRA ASSOCIATES - AUTHORISED DISTRIBUTORS FOR 3M
01.2004 - 01.2005
- Responsible for developing a portfolio of accounts through new business development
- Also in charge of bringing opportunities and for managing the full negotiation and close process with clients from start through to finish
- (Clients managed were HCL, Bosch, HP & Infosys)
- Working closely with the marketing team to produce any sales collateral required for the target market
- Communicate a clear, strategic sales vision, effectively training and coaching both veteran and junior sales team members
Education
MBA - Marketing
Visveswaraya Technological University
01.2004
BCA - Computer Application
St. Agnes College Mangalore
01.2002
Skills
- Credit analysis
- Risk assessment
- Relationship management
- Credit policy and regulatory compliance
- Financial analysis
- Team management
- Operational improvement
- Sales management
- Customer relationship management (CRM)
- Decision-making
- Coaching and mentoring
- Customer service and satisfaction
- Employee performance evaluation
- Problem-solving
Awards
- Performance Excellence Award, HDFC Sales, 1st Rank Credit Manager, 2016-2017
- Performance Excellence Award, HDFC Sales, 1st Rank Credit Manager, 2017-2018
- Performance Excellence Award, HDFC Sales, 1st Rank Credit Manager, 2018-2019
- Performance Excellence Award, HDFC Sales, 1st Rank Credit Manager, 2020-2021
- Performance Excellence Award, HDFC Sales, 2nd Rank Credit Manager, 2021-2022
- Performance Excellence Award, HDFC Sales, 1st Rank Credit Manager, 2022-2023
- CEO Award, HDFC Sales, Credit National Sales Meet, London, 2019
Timeline
Assistant Regional Manager – Credit Risk Assessment
HDFC SALES
04.2016 - Current
Partner
MOOSA ALI SEQER TRADING LLC
01.2008 - 01.2016
Sales Coordinator/Admin
INTER EMIRATES
01.2006 - 01.2008
Head Sales Executive
MAHENDRA ASSOCIATES - AUTHORISED DISTRIBUTORS FOR 3M
01.2004 - 01.2005
MBA - Marketing
Visveswaraya Technological University
BCA - Computer Application
St. Agnes College Mangalore
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