Senthil Gunasekaran

• 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%

• 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.

• Handled Mortgage loan disbursements for Chennai and Hyderabad territory
• Built loan book of 145 cr under Direct to customer stream in 11 months

• 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 .

• 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.

• 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.

• 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.

• 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.

• 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

• 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

• 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.