Shrinivas Kulagod
Summary
With over 10+ years of progressive experience in Marketing & Sales Strategy, Business Development, Operations Management, and Financial Services, I bring a comprehensive understanding of driving business growth, enhancing customer experience, and delivering operational excellence across highly competitive sectors.
I hold a Post-Graduate Program in Management (PGPM) from IBS Business School and an MBA from ICFAI University, which have laid the academic foundation for my strategic and analytical approach to solving business challenges.
Throughout my career, I’ve successfully managed portfolios involving Unsecured Personal Loans & Unsecured Business Loans, Life & General Insurance, EMI Cards, and Co-branded Credit Cards, while maintaining strong, trust-based relationships with financial giants like Lendingkart Finance Ltd., Bajaj Finance Ltd. , BALIC, HDFC Life, RBL, and RattanIndia Finance Ltd.
I’m known for my ability to:
> Lead business turnarounds and manage end-to-end P&L responsibilities.
> Build high-performing teams with a focus on customer satisfaction and complaint resolution.
> Develop and execute strategies in line with evolving market dynamics.
> Combine strategic vision with hands-on implementation, ensuring goals are not just set, but achieved.
My strengths include relationship management, change management, and cross-functional collaboration, underpinned by values like empathy, integrity, and trust-building.
Overview
5
5
Languages
1
1
Certification
10
10
years of professional experience
Work History
Associate Director
Lendingkart Finance Ltd.
Bengaluru
06.2023 - Current
- Owned sales culture standards to drive profitability, compliance, and staff development.
- Accounted for performance across direct and indirect channel businesses.
- Set training and performance plans for staff handling ambitious workloads.
- Directed a team of 50+ to sustain high performance and accountability.
- Owned resource allocation by geography, targeting profitable opportunities.
- Held delinquency levels against product-segment expectations through portfolio oversight.
- Maintained compliance by coordinating controls with legal and regulatory bodies.
- Took responsibility for staff development training to raise capability and morale.
- Delivered performance alignment through structured team meetings and briefings.
- Steered strategy using market-trend analysis and competitive positioning insights.
- Owned client negotiations to secure lucrative contracts and partnerships.
- Drove delivery by coordinating cross-functional teams under tight deadlines.
- Challenged teams to optimise acquisition, development, and retention approaches.
- Owned partnership development to expand customer acquisition and revenue.
Senior Cluster Manager
Bajaj Finance Ltd.
Bengaluru
05.2020 - 06.2023
- Achieving business and insurance targets.
- Understanding of customer segmentation and propositions to the target segment.
- Effectively selling our products and meeting service expectations.
- Micro-level tracking matrices, which include WIRR, FOS productivity, SM productivity, and ASM productivity.
- Delivery of numbers for B2C and DSA channels.
- Identifying and empanelment of new channels which have requirements.
- Build a robust distribution network.
- Build innovative and alternative distribution channels.
- Effective management of channel partners and levels of service delivery.
- Position the organisation as preferred financing partners and customers.
- Owning the health of the portfolio sourced as proper control over delinquency.
- Analysing portfolio performance, business-sourced members, and channels to ensure an excellent portfolio.
- Creating a strong and compliant sales culture across drive acquisitions.
- Driving team productivity.
- Managing the attraction rate.
- SWOT Analysis.
- Identifying the need of sales training, analyzing trends, channel development etc. also giving the feedback suggestions to the SMT to deliver better products.
- Ensuring highest level of employee relationship, engagement to drive result & high level of employee.
- Effectively engage operations & risk team to understand contribute to overall processes & profitability across.
Area Sales Manager
RattanIndia Finance Pvt
Bengaluru
08.2019 - 04.2020
- Achieving & exceeding Business goals and targets Unsecured Loans.
- Creating a strong & compliant sales culture to drive acquisitions, profitability and employee development.
- Managing and supporting the effective deployment of team of sales professionals with respect to the geographical area, exploring new channels.
- Identifying the need of sales training, analyzing trends, channel deployment etc. Also giving feedback to the AVP/BH.
- Ensure implementation of promotional plans & suggesting new and innovating promotion plan for the area of work.
- Recruiting and Retaining high performers.
- Ensuring highest levels of employee relationship, motivation & employee satisfaction.
- Effectively engage Operations & Risk teams to understand & contribute to overall processes & Profitability across.
- Team management & Grooming of the team to achieve their respective targets.
- Managing the Delinquency of the business sourced to ensure health of portfolio.
- Ensure 100% Collections.
Senior Area Sales Manager
Bajaj Finance Ltd.
Bengaluru
03.2016 - 06.2019
- Managing team of 14 Managers & multiple distributors.
- Generate sales business for Salaried Loans, Insurance EMI cards and Co-brand Credit cards.
- Collection responsibility.
- Ensure productivity of ASM, SMs & FOS through business.
- Local knowledge of the market, competition and industry.
- Managing 30+ financial Channel Partner (DSAs).
- Conduct periodic training handhold sales team to meet their monthly target.
- Achieve overall growth of business by driving sales and profitability with focus on improving productivity.
- Consolidate the sales strategy of the company with an in-depth understanding of the market dynamics.
- Drive the sales and business development efforts of Salaried Loans.
- Competitive Assessment - The individual should exhibit an in-depth understanding of the competitive landscape and possess a strong hold on changing market dynamics.
- The incumbent will closely measure the productivity and efficiency levels of the sales team and initiate corrective action to increase employee performance.
- The individual will conduct regular reviews to ensure that sales strategies are well executed.
- Responsible for managing the volumes of business location-wise outdoor sales in prime locations, and conducting campaigns for the generation of enquiries from new BFL customers.
Education
PGPM - Banking
IBS Business School
Bengaluru, KA01-2016
Master of Business Administration - Marketing
ICFAI University
Bengaluru, KA01-2016
Bachelor of Business Administration - General
Rani Channamma University
Belgaum, KA01-2014
Skills
- Business development
- Brand-building strategies
- Sales forecasting
- Product development
- Retail Sales and Marketing
- Competition Analysis
- Direct and Indirect Sales
- Channel building
- Regional succession planning
- Operational management
- Leadership excellence
- Regional expansion strategy
- B2B sales expertise
- Performance monitoring
- Decision-Making proficiency
- Revenue growth strategies
- Market research
- Client negotiations
- Portfolio oversight
- Market analysis
- Delinquency control
- Cost optimisation
- Profit and loss management
Certification
- Financial Analyst
- Investment Banking
- Fundamentals of Business Taxes
- Financial Accounting - Subsidiary Ledgers & Special Journals
- The MBA in Hedge Funds
Languages
English
Kannada
Hindi
Telugu
Tamil
Timeline
Associate Director
Lendingkart Finance Ltd.
06.2023 - Current
Senior Cluster Manager
Bajaj Finance Ltd.
05.2020 - 06.2023
Area Sales Manager
RattanIndia Finance Pvt
08.2019 - 04.2020
Senior Area Sales Manager
Bajaj Finance Ltd.
03.2016 - 06.2019
PGPM - Banking
IBS Business School
Master of Business Administration - Marketing
ICFAI University
Bachelor of Business Administration - General
Rani Channamma University