SIVARAJ T

Used Two-Wheeler Finance

Pioneered the successful launch of Used Two-Wheeler Finance in Tamil Nadu, demonstrating end-to-end ownership of design and development.

Strategically expanded the product's presence across Tamil Nadu.

Additional Roles: Top up Loans

Spearheaded Top-Up Loan business in Tamil Nadu, Andhra Pradesh, and Karnataka, achieving significant growth and contributing to overall company success.

New Two-Wheeler and Electric Vehicle Finance

Led the New Two-Wheeler and Electric Vehicle Finance business in Tamil Nadu, Karnataka, and Andhra Pradesh, overseeing sub-dealer operations and fostering network growth.

Market Navigation and Network Expansion

Navigated a complex market landscape, overseeing operations with over 3000 dealers.

Actively expanded the network by adding more than 1000 dealers.

Team Leadership and Productivity Enhancement

Managed a team of over 400 professionals in sales and collection operations.

Ensured high productivity and alignment with business goals through strategic leadership and team development initiatives.

Strategic Business Planning and Performance Management

Recommended changes in sales roles, coverage models, and team configurations, maximizing sales productivity.

Devised turnaround strategies, capturing extraordinary market share.

Sales Organization Development

Developed processes for an effective sales organization.

Proactively identified changes in market demand, modifying strategies for the expansion of market share and achievement of revenue targets.

Dealer Network Building

Built a strong dealer network, facilitating training roll-outs for 100% coverage across dealerships.

Managed additional assignments in Top-Up Loans, New Two-Wheeler Finance, and Electric Vehicle Finance, contributing to overall company success and growth.

Professional Highlights:

Leadership Excellence:

Demonstrated strong leadership skills by effectively managing a team of 258 members, including Territory Managers, Area Collections Managers, Territory Collection Managers, FCES, GSO, Legal Officers, Sales, and Collection Officers.

Strategic Business Planning:

Attained targets for the assigned segment through the conceptualization and implementation of strategic business plans, showcasing a keen understanding of market dynamics.

Motivational Team Management:

Administered the team and dealer network, keeping them motivated in a highly competitive market, fostering a positive and high-performance work environment.

Sales Team Coaching:

Coached the Sales Team to align their weekly, monthly, and quarterly business plans with formulated strategies, ensuring consistent goal achievement.

Achievements in ROTA Performance:

Successfully achieved High ROTA and secured the No. 1 ROTA in South India.

Accomplished a remarkable turnaround in ROTA performance and attained the No. 1 position in two-wheeler performance in South India with a notable 11.07% growth.

Key Projects:

Two-Wheeler Process Framework Implementation (PAN India):

Spearheaded the development and implementation of a comprehensive Two-Wheeler Process Framework, covering PAN India operations.

Designed standard formats, sales operating procedures, timelines with checkpoints, and relevant documents to streamline operations.

Sales Management Standard Format Design:

Led the design and implementation of a standardized format for Sales Management.

Tailored for Lower Management Sales Managers and Collection Managers, enhancing operational efficiency and consistency.

Professional experience :

Led the Red Hills branch with a focus on loans against property (LAP) and personal loans.

Expert in LAP business processes, overseeing technical and valuation aspects to ensure accurate risk assessment.

Successfully expanded market presence to cover Ponneri and Kumudipoondi regions.

Implemented strategic initiatives that led to building a book value of 50+ crores in business.

Spearheaded a high-performing team, fostering a culture of collaboration and goal achievement.

Conducted risk assessments, ensuring prudent lending practices and compliance with regulations.

In-depth experience in compliance and regulatory processes, maintaining adherence to industry standards.Monitored pre-planned sales and revenue targets; formulated budget for operational / business development activities; devised tactics for achievement of targets: in terms of key drivers i.e. Contributed Value. Volumes / Profitability / Expenses / Losses

Achievements:
Business Growth:

Orchestrated initiatives that propelled business growth, achieving a book value of 50+ crores during the tenure.

Market Expansion:

Successfully covered Ponneri and Kumudipoondi regions, broadening the branch's geographical reach.

LAP Expertise:

Demonstrated expertise in loans against property (LAP) business processes, including technical and valuation components.

Compliance Leadership:

Ensured strict adherence to compliance and regulatory processes, maintaining industry standards.

Highlights:

Led and managed the entire branch banking operations at ING Vysya Bank, which is currently known as Kotak Mahindra Bank.

Oversaw and successfully handled a comprehensive range of financial products, including Current Account and Savings Account (CASA), Mutual Funds, SME products, and other liability products.

Managed a diverse portfolio with a book value exceeding 100 crores, demonstrating effective portfolio management skills.

Specialized in servicing High Net Worth Individual (HNI) clients, providing personalized financial solutions to meet their unique needs.

Took charge of acquiring new CASA clients through a direct sales team and branch sales team, contributing to business growth and customer base expansion.

Conducted cross-selling assignments in asset products, focusing on overdue accounts, tractor loans, and insurance products.

Played a pivotal role in driving sales and achieving business targets, ensuring the branch's profitability and sustained growth.

Achievements:

Portfolio Management:

Successfully managed a diverse portfolio with a book value exceeding 100 crores, demonstrating strategic financial management.

Client Servicing:

Excelled in servicing HNI clients, providing tailored financial solutions that contributed to high customer satisfaction and loyalty.

Business Expansion:

Acquired new CASA clients through effective leadership of direct sales and branch sales teams, contributing to business growth.

Cross-Selling Success:

Led cross-selling initiatives in asset products, resulting in increased sales of overdue accounts, tractor loans, and insurance products.

Highlights:

Successfully managed the business unit in Panruti location for Fullerton India Credit Company Ltd.

Handled small business loans and personal loans, demonstrating expertise in financial products and customer service.

Led a significant 5-branch rollout project in the company, establishing branches in Cuddalore, Panruti, Karaikkal, Chidambaram, and Virudhachalam.

Spearheaded the hiring and development processes for all the aforementioned towns, building high-performing teams.

Consistently achieved promotions almost every year, reflecting a track record of high performance and leadership.

Accomplished a significant achievement by maintaining 100% collection for an 18-month portfolio with zero delinquency.

Successfully achieved operational break-even within 6 months and cumulative break-even in 12 months, showcasing strategic financial management skills.

Maintained zero attrition for 5 years, emphasizing effective team management, mentorship, and employee engagement.

Achievements:

Collection Excellence:

Achieved and maintained 100% collection for an 18-month portfolio with zero delinquency, demonstrating strong risk management and collection strategies.

Operational Break-Even:

Successfully achieved operational break-even within 6 months and cumulative break-even in 12 months, contributing to the financial success of the business unit.

Zero Attrition:

Maintained zero attrition for 5 years, showcasing effective leadership, team management, and a positive work culture.

Growth Path:

Sales and Collection Executive (Cuddalore):

Joined IndusInd Bank, initially serving as a Sales and Collection Executive in Cuddalore.

Gained foundational experience in the field of two-wheeler finance.

Marketing Officer (Panruti):

Progressed to the role of Marketing Officer in Panruti, consistently achieving targets and showcasing exceptional performance.

Senior Marketing Officer (Chidambaram):

Further elevated to the position of Senior Marketing Officer, overseeing responsibilities in Chidambaram.

Hub Manager (Agra Region):

Assumed the position of Hub Manager in the Agra region, managing operations in Agra, Mathura, Kosi, Virudhavan, and Aligarh.

Product Executive (Bangalore):

Transferred to a larger collection assignment in Bangalore, undertaking responsibilities as a Product Executive.

Managed two-wheeler finance portfolios in Bangalore city, Anekal, Thumkur, Chindamani, and Kanapura.

Achievements and Highlights:

Successfully reduced NPA levels and collection delinquency, demonstrating strategic management and problem-solving skills.