Summary
Overview
Work History
Education
Skills
Software
Certification
Timeline
Generic
Senthil Gunasekaran

Senthil Gunasekaran

Business Leader
Chennai

Summary

Versatile Business leader with exceptional business sense and in-depth understanding of Mortgage business operations, best practices and strategies. Offering 23+ years of progressive experience cutting across Secured and Unsecured lending. Collaborative leader with dedication to partnering with coworkers to promote engaged, empowering work culture. Documented strengths in building and maintaining relationships with diverse range of stakeholders in dynamic, fast-paced settings.

Overview

24
24
years of professional experience
5
5
years of post-secondary education
1
1
Certification
5
5
Languages

Work History

Business Head - Mortgages

IDFC First Bharat Ltd
06.2022 - Current
  • Leadership position aimed at establishing and growing Home loan and LAP business in Rural geographies across the country.
  • Responsible for AUM build , Portfolio management and P&L for the business vertical.


Key Achievements


  • Successfully grew the book to 2500cr within a span of 20 months
  • Built a strong team of 1400 sales professionals in hierarchical structures across 11 operational states
  • Maintained a pristine portfolio quality with GNPA at 0.4%

Head- Product and Digital

FULLERTON INDIA HOME FINANCE COMPANY LTD
6 2017 - 05.2022
  • Develop, implement and execute business strategy to support growth
  • Define, defend and manage budgets
  • Indirect, but active management of operations and technology to ensure product delivery within standards.
  • Re-engineer existing products to gain scale and efficiency in conjunction with market expansion

Head – Product & Digital Initiatives

FULLERTON INDIA HOME FINANCE COMPANY LTD, Chennai, Tamilnadu

  • Develop, implement and execute business strategy to support growth

· Define, defend and manage budgets

  • Indirect, but active management of operations and technology to ensure product delivery within standards.
  • Re-engineer existing products to gain scale and efficiency in conjunction with market expansion

KEY ACHIVEMENTS

  • Conceptualized and commissioned process transformation strategy – RAPID .
  • Successfully Introduced Risk Based Pricing policy resulting in improved boarding rates
  • Promoted as the Head of Product & Digital Initiatives in Aug 21
  • Built a book of 390 cr of Mortgage book in TN region with a portfolio yield of 12.94% , before being promoted as Regional Head for South in Dec 2020.
  • Headed the CEO Cost Optimization Strategic initiative , effecting a saving of 4.93 cr for 20-21 FY . Savings were effected through Process improvement initiatives across functions without reducing headcount.
  • Won CEO Award for 2017-2018.
  • Demonstrated strong organizational and time management skills while managing multiple projects.
  • Skilled at working independently and collaboratively in a team environment.

Regional Sales Manager

BAJAJ FINSERV LTD
05.2016 - 06.2017
  • Handled Mortgage loan disbursements for Chennai and Hyderabad territory
  • Built loan book of 145 cr under Direct to customer stream in 11 months

Business Owner

Buddybag Ecommerce Pvt Ltd
11.2014 - 04.2016
  • Funded & established e-commerce technology platform for hyper-local delivery of household items.
  • Managed 50 house hold items deliveries per day in offline mode.
  • Shelved venture due to funding challenges for expansion .

Assistant Vice President

INNO DEVELOPMENT MANAGEMENT COMPANY LLP
12.2013 - 10.2014
  • Headed Sales, Marketing, CRM & leasing functions for INNO Group
  • Established strategic tie ups within community such as Clinic , lease rental agreements etc.
  • Increased collections by handing over close to 100 units within 4 months.

Assistant Vice President

MARG LTD
08.2011 - 06.2013
  • Headed 7 residential projects across 400 acres consisting of high end villas and luxury to affordable apartments .
  • Accountable for Sales, Marketing and Receivables management.
  • Established astute Sales & Marketing strategies through ATL & BTL communications, selling 800 units in record time of 6 months, attaining 2nd position in Chennai.
  • Joined as General Manager in 2011 and promoted to Assistant Vice President in 2012.

Additional General Manager

INDU PROJECTS LIMITED
09.2009 - 08.2011
  • Headed Sales, Marketing & CRM functions .
  • Refurbished sales strategy which resulted in registering sales of 200 units in span of 3 months.
  • Improved receivables management by over 100% by making amendments in CRM framework, scaling up collections to $8.5mio annually.
  • Joined as Deputy general manager in 2009 and promoted as Additional General Manager in 2011.

Regional Sales Manager - South

STANDARD CHARTERED BANK
09.2006 - 06.2009
  • Managed SME accounts for Southern region handling product rollout, sales & marketing and business development strategies for products ranging from business loans, mortgage, overdraft facilities, portfolio enhancement and third party products.
  • Set up hierarchical teams of 150+ people including FTEs & RAs in region.
  • Scaled up region to No 2 position in country in new loan disbursements within 6 months.
  • Joined as Area Sales manager in 2006 and promoted as Regional Sales Manager in 2007.

State Manager

IDBI BANK LTD
01.2005 - 09.2006
  • Responsible for Personal Loans Business for TN Region Comprising of Chennai , Madurai and Coimbatore Locations.
  • Built book of 105 crores in 18 months.
  • Awarded best Region for Sales, Productivity , profitability and cost management for year 2005

Area Sales Manager

ABN AMRO BANK
05.2001 - 01.2005
  • Responsible for Personal loans business for Hyderabad location for Direct and Indirect channel.
  • Established high performing personal loans team over achieving targets on month on month basis.
  • Ranked Best Sales manager Pan India for year 2004
  • Ranked Best Tier 2 manager Pan India for year 2003

Dealer Business Manager

GE COUNTRYWIDE CONSUMER FINANCIAL SERVICES LTD
08.2000 - 05.2001
  • Responsible for Auto loans business for Upcountry Tamilnadu region.
  • Increased Maruti Countrywide relationship penetration with Dealers by implementing cross sell and direct sourcing strategy to existing customer base thereby generating leads for Dealers instead of working on dealers leads.
  • Improved sales by 100% month on month in coimbatore location.

Education

Executive MBA - General Management

MANIPAL ACADEMY OF HIGHER EDUCATION, MANIPAL UNIVERSITY
Manipal
12.2005 - 05.2007

Bachelor of Business administration -

MADRAS UNIVERSITY
Chennai
06.1996 - 05.2000

Master of Data Science ( Global) - Data Science

Deakin University
Melbourne, Australia
04.2001 -

MBA - Business Analytics

Birla Institute of Technology And Scince
Pilani, India
04.2001 -

Post Graduate Program in Data Science & Business A - Business Analytics

Great Lakes Institute of Management
Chennai, India
04.2001 -

Skills

  • Sales
  • Strategy planning
  • Supervision
  • Risk management

  • Business analytics

  • Product expertise

  • Profit and loss understanding

  • Legal aptitude

  • Data Analytics

Software

Python

Tableau

MS Powerpoint

MS Excel

Certification

Certified Lean Six Sigma Black Belt from Simplilearn

Timeline

Business Head - Mortgages

IDFC First Bharat Ltd
06.2022 - Current

Regional Sales Manager

BAJAJ FINSERV LTD
05.2016 - 06.2017

Business Owner

Buddybag Ecommerce Pvt Ltd
11.2014 - 04.2016

Assistant Vice President

INNO DEVELOPMENT MANAGEMENT COMPANY LLP
12.2013 - 10.2014

Assistant Vice President

MARG LTD
08.2011 - 06.2013

Additional General Manager

INDU PROJECTS LIMITED
09.2009 - 08.2011

Regional Sales Manager - South

STANDARD CHARTERED BANK
09.2006 - 06.2009

Executive MBA - General Management

MANIPAL ACADEMY OF HIGHER EDUCATION, MANIPAL UNIVERSITY
12.2005 - 05.2007

State Manager

IDBI BANK LTD
01.2005 - 09.2006

Area Sales Manager

ABN AMRO BANK
05.2001 - 01.2005

Master of Data Science ( Global) - Data Science

Deakin University
04.2001 -

MBA - Business Analytics

Birla Institute of Technology And Scince
04.2001 -

Post Graduate Program in Data Science & Business A - Business Analytics

Great Lakes Institute of Management
04.2001 -

Dealer Business Manager

GE COUNTRYWIDE CONSUMER FINANCIAL SERVICES LTD
08.2000 - 05.2001

Bachelor of Business administration -

MADRAS UNIVERSITY
06.1996 - 05.2000

Head- Product and Digital

FULLERTON INDIA HOME FINANCE COMPANY LTD
6 2017 - 05.2022

Certified Lean Six Sigma Black Belt from Simplilearn

Senthil GunasekaranBusiness Leader