Satheesh Kumar L
D/NO:5/2, Block M5, TNHB Apartment, Near GV Residency, Uppilipalayam, Coimbatore South, Coimbatore
Summary
Goal-oriented, flexible, and versatile banking professional with strong knowledge of the Asset and Lending sector. Experienced in home loans and mortgage operations with a solid understanding of credit processing, sales management, and customer relationship handling. Adept at combining vision, creativity, and business acumen with strong project management and leadership abilities to drive business growth. Skilled in supporting go-to-market strategies, product positioning, and branding initiatives to enhance organizational performance. Committed to leveraging academic training in Business Administration and practical industry experience to contribute effectively to a progressive organization that values initiative, performance excellence, and professional growth.
Overview
17
17
years of professional experience
Work History
Sales Manager – Home Loans & Loan Against Property (Prime LAP)
Axis Finance Limited
Coimbatore
08.2022 - Current
- Handling open market and DSA sourcing at ROTN level, consistently achieving and exceeding assigned business targets.
- Sourcing home loan and LAP files through Open Market and DSA channels.
- Managing funding cases for Salaried and SENP clients (Professionals, Non-Professionals, Educational Institutions, etc.).
- Conducting need-based selling, including debt consolidation solutions.
- Performing KYC verification and borrower due diligence.
- Preparing detailed Credit Appraisal Memos (CAM) based on borrower financials.
- Conducting income assessment through NIP / Income Surrogate / other surrogate programs and fitment evaluation.
- Coordinating sanction process subject to income eligibility, legal clearance, and technical evaluation.
- Managing digital disbursement processes and documentation.
- Handling MODTD execution and PDD clearance.
- Monitoring repayment behavior and ensuring strong post-disbursement customer service
Area Manager
ESAF Small Finance Bank Limited
Coimbatore
05.2019 - 08.2022
- Managed and led sales teams across Coimbatore, Salem, and Madurai, driving consistent business growth.
- Achieved monthly sales targets through strategic sourcing and channel development.
- Built strong associations with builders and maintained relationships with branch teams to generate inbound business and open market sourcing.
- Analyzed customer eligibility, income assessment, and repayment capacity.
- Verified legal documentation and coordinated property valuation processes.
- Completed end-to-end disbursement formalities in compliance with bank policies.
- Prepared and executed Memorandum of Deposit of Title Deed (MODTD) documentation and completed registration formalities at respective Sub-Registrar Offices (SRO).
- Achieved sales parameters and generated cross-sell business for bank-linked insurance partners.
Assistant Sales Manager – Home Loans & Mortgages
LICHFL Financial Services Ltd
Coimbatore
07.2018 - 12.2018
- Managed sourcing of Home Loan and Mortgage cases through open market channels.
- Evaluated customer eligibility and coordinated documentation for loan processing.
- Ensured compliance with KYC norms and credit policy guidelines.
- Supported end-to-end loan disbursement and customer servicing.
Assistant Manager – Home Loans & Mortgages
Adecco India Pvt Ltd (Deputed to Bajaj Finance Ltd)
Coimbatore
06.2016 - 07.2017
- Sourced Home Loan and LAP files through open market and DSA channels.
- Conducted income assessment and eligibility analysis for salaried and self-employed customers.
- Coordinated with credit, legal, and technical teams for sanction and disbursement.
- Achieved assigned sales targets and ensured customer satisfaction.
Senior Sales Executive – Home Loans & Mortgages
I-Process Services (India) Limited (Deputed to ICICI Bank Ltd)
Coimbatore
05.2009 - 06.2016
- Handled end-to-end sourcing of Home Loan and Mortgage business.
- Built strong relationships with builders, channel partners, and direct customers.
- Managed documentation, KYC verification, and preliminary credit assessment.
- Coordinated with internal credit and operations teams for timely sanction and disbursement.
- Consistently achieved sales targets and contributed to portfolio growth
Education
B. Com -
Shri Nehru Maha Vidhyalaya Collage of Arts & Science
Malumachampatti, Coimbatore01-2009
HSC -
Govt H.sc School
Vasudevanallur, Tenkasi01-2006
SSLC -
Mohideeniah High School
Vasudevanallur, Tenkasi2004
Skills
- Business Development & Sales
- Business Development & B2B Sales
- Competitor Intelligence & Market Research
- Lead Generation & New Account Development
- Client Retention & Relationship and Account Management
- Commercial Procurement & Negotiation
- Commercial Orientation
- Report Writing & Documentation
- Technical Aptitude
- Administrative & Operational Management
- Problem Solving & Analytical Thinking
- Client Management
- Supply Chain Coordination
- Product Development Support
- Leadership & Team Coordination
- Professionalism & Work Ethics
- Highly Motivated & Proactive
- Strong Stress Management Ability
- Well Organized & Detail-Oriented
- Conscientious and Responsible
Languages
Tamil
Proficient
C2
English
Proficient
C2
Custom Section
- Leadership & Team Coordination
- Professionalism & Work Ethics
- Highly Motivated & Proactive
- Strong Stress Management Ability
- Well Organized & Detail-Oriented
- Conscientious and Responsible
Personal Information
- Age: 37
- Father's Name: M.Lakshmanan
References
Reference upon request
Hobbies and Interests
- Playing Cricket
- Listening to Music
- Driving and exploring new places
Disclaimer
I hereby declare that the information provided above is true and correct to the best of my knowledge and belief.
Timeline
Sales Manager – Home Loans & Loan Against Property (Prime LAP)
Axis Finance Limited
08.2022 - Current
Area Manager
ESAF Small Finance Bank Limited
05.2019 - 08.2022
Assistant Sales Manager – Home Loans & Mortgages
LICHFL Financial Services Ltd
07.2018 - 12.2018
Assistant Manager – Home Loans & Mortgages
Adecco India Pvt Ltd (Deputed to Bajaj Finance Ltd)
06.2016 - 07.2017
Senior Sales Executive – Home Loans & Mortgages
I-Process Services (India) Limited (Deputed to ICICI Bank Ltd)
05.2009 - 06.2016
B. Com -
Shri Nehru Maha Vidhyalaya Collage of Arts & Science
HSC -
Govt H.sc School
SSLC -
Mohideeniah High School