Santhosh Venkatrajan

• Founded Fintech startup which focuses on School Ecosystem.Primary focus is to significantly increase efficiency of fee collection & solve their short term working capital requirements.
• Participated in all aspects of business development from market research and finance to operations and marketing, ensuring that company's vision was followed.
• Formulated company's vision, goals, and objectives; hired and trained new employees.
• Formed senior leadership team through rigorous interviews and extensive candidate research.
• Built and maintained professional relationships with potential investors and partners; attended various startup and business events all around world.
• Grew company from idea stage to a P & L positive company within 2 years of time.
• Conducted target market research to scope out industry competition and identify advantageous trends.
• Developed key operational initiatives to drive and maintain substantial business growth.
• Prepared annual budgets with controls to prevent overages.
• Developed innovative sales and marketing strategies to facilitate business expansion.
• Analyzed industry trends and tracked competitor activities to inform decision making.
• Founded performance- and merit-based evaluation system to assess staff performance.
• Monitored key business risks and established risk management procedures.
• Maintained P&L and shouldered corporate fiscal responsibility.
• Successfully got acquired by a global player & gave an exit to current investors

• Scrutinizing relevant documents before Logging / disbursing credit, ensuring compliance with internal sales & credit policies
• Performing functions of assessing creditworthiness ongoing basis of clients, understanding their industry and creditworthiness
• Building team with right potential & delivering Nos
• Finding new potential channel partners (DSA) for improving sales
• Branch Operations:
• Monitoring overall branch sales & operations ensuring maximized growth and profitability
• Devising short term and long term goals for achieving top line and bottom-line profitability
• Designing Business plans and strategies to meet Volumes and Income Targets
• Solving customer queries & problems on priority basis
• Business Development:
• Identifying prospective Channel Partners, generating business from existing accounts & achieving targets
• Conducting competitor analysis by keeping abreast of market trends and competitor moves to achieve market share metrics
• Ensuring maximum customer satisfaction, by providing pre/post technical assistance thereby enhancing customer satisfaction index
• Sales and Marketing:
• Developing marketing strategies to build consumer preference and drive volumes
• Evaluating marketing budgets and ensuring adherence to planned expenses
• Generating MIS reports and presenting same to top management & channel partners for fine-tuning strategies
• Team Management:
• Leading and motivating teams and imparting training to them to enhance their skill levels & sales
• Conducting contest & shows to increase interaction of field executives
• Spending more time with FOS in market to understand ground level
• Structuring and scaling customized lending solutions across diverse supply chains in South zone
• Responsible for driving all business development activities across South India and also running Vertical as profit center
• Contributed in designing new product & successfully launched in market
• Worked closely with Tech Team for system designing & development of Application.
• Skilled at working independently and collaboratively in a team environment

• Head sales for PAN India, responsible for driving all business development activities across India and also running Vertical as profit center
• Being part of senior management, responsible in designing new product & launching
• Identified new markets by understanding potential & business has been launched.
• Managed national sales programs, supervised sales representatives and evaluated KPIs for promotional opportunities

• Responsible for driving all business development activities across India and also running Vertical as profit center, which means that responsible for revenue generation, cost management as well as delinquency control
• Handling team of Cluster Manager's across India
• And also on recruit and drive a motivated sales team so as to effectively service in catchment area and ensure that loans are processed within defined turnaround time
• Team leadership – built high performing motivated team by working closely with team members, offering mentoring and leading by example
• Sales Management - Achieved disbursement targets in numbers, volumes & productivity
• Profitability Management – Maintaining & optimizing profitability for region through managing costs and building superior quality portfolio
• Delinquency Management
• Skilled at working independently and collaboratively in team environment.
• Self-motivated, with strong sense of personal responsibility.
• Worked effectively in fast-paced environments.
• Passionate about learning and committed to continual improvement.
• Proved successful working within tight deadlines and fast-paced environment.

Our objective as a team is to achieve our assigned targets by assessing the credit worthiness of customers through customer interviews, application forms and documentation checks. Achieving the overall targets and disbursements without compromising on credit quality. The key areas involve relationship management, achieving geographic reach, achieving quick decision making using customer inputs and data analytics and issue resolution on the ground at local level and ensure strong compliance control

Role

Handling entire location with 5 Channel managers & generating business from DSA's /DST's. closely working with branch team for improving cross sell business. Enhancing the sales distribution by adding up new channels & working out on the online generation leads for reducing the COA for the location.

Highlights:

• Self-motivated, with strong sense of personal responsibility.
• Worked well in a team setting, providing support and guidance.
• Organized and detail-oriented with strong work ethic.
• Instrumental in setting up business in Bangalore market & improving profitability.
• Increasing the distribution network & increasing volume.
• Handling Credit Analysis for Portfolio.
• Work on processes that enable bank to design new products and offerings, improve workflows to meet the need of speed and control, integrate functions of various partners in the orientation process, such as field investigators, collateral appraisal agencies, credit bureaus, document verifiers and dealers among others
• Monthly analysis and comparison of performances with help of graphs and charts.
• Reporting of Product performance and sourcing gap analysis to senior management.
• Development & Implementation of new strategies to streamline processes.

Role

Handling entire location & managing the overall functioning of the location as an individual profit making body. Handling a team of 2 sales managers for driving business. Closely working with branch team for improving the cross sell business. Enhancing the sales distribution by adding up the new channels & working out on the online generation leads

Highlights

• Handling & driving various business partners to ensure timely achievement of set targets
• Financial analysis of companies & determining risk using risk profiling tools for determining worthiness of client for taking on further exposure.
• Coordination with Central Operations team on areas of audit & compliance.
• Reducing COA by increasing the productivity.
• Conducting training for DST’s and DSA on a monthly basis.
• Cross selling investment products for additional revenue.

Highlights

• Handling & driving various business partners to ensure timely achievement of set targets
• Financial analysis of companies & determining the risk using risk profiling tools for determining worthiness of the client for taking on further exposure.
• Empanelled up to 20 new channel partners & RP’s for increasing the Biz.
• Coordination with Central Operations team on areas of audit & compliance.
• Reducing the COA by increasing the productivity.
• Conducting training for the DST’s and DSA on a monthly basis.
• Cross selling investment products for additional revenue.

Role Handling Sales, leading a team of 30 Sales executives & Tele marketers of the DSA’s ,maintaining branch sales portfolio, defining the branch sales and operations process, analyzing business, conducting TAT analysis and training DSA’s / DST’s on PL Policy and Process for improving business.

Highlights

• Handling team of individuals and motivating them to achieve team goals.
• Instrumental in setting up Alternate channel Business.
• Handling complete Karnataka for alternate channels.
• Analysing periodic reports of Branch profitability, Delinquency, Risk rating, etc.
• Handling the Collection function for Branch
• Motivating Full Time Employees to achieve their goals
• Monthly budgeting and conducting variance analysis for branch