SREENI V S
GOLD LOAN SPECIALIST
Tripunithura
Summary
Results-driven Gold Loan operations leader with a strong track record of streamlining processes, enhancing productivity, and building high-performing teams. Adept at strategic planning, resource allocation, and driving operational excellence in dynamic, fast-paced environments. Successfully established end-to-end operational processes for a Gold Loan NBFC, ensuring robust systems, regulatory compliance, and sustainable business growth. Known for effective collaboration, decisive problem-solving, and the ability to align teams with organizational goals while fostering a culture of continuous improvement and accountability.
Overview
24
24
years of professional experience
Work History
Chief Operating Officer
Khimji Finserve Pvt Ltd
12.2023 - Current
- Developing, designing, and implementing a sound and effective corporate branding strategy including digitization, and ensuring its evolution and timelines in light of the competitive environment in the sector
- Efficient disbursement of loans, process development of loans, repayments, and Overall performance of the loan cycle
- Inculcate a cost-conscious culture and implement effective cost-control strategies.
- Spearhead the branch expansion of the branches into various states
- Attend meetings of the Board of Directors (BOD) as and when informed/ required.
- Oversee all regulatory requirements as per the central bank guidelines (RBI) and other statutory guidelines are completed on time as per the regulator’s standards and ensure the relationship with the regulators is sound and strong
- Initiate auction for timely implementation of RBI and other regulators’ guidelines and all other statutory compliances
- Building a strong operational team and leading from the front to establish a strong modern culture that permeates the workforce and ensures high standards of performance and successful realization of overall organizational objectives.
- Developing and implementing a strong mentoring, coaching, and learning environment within the organization and at all times upholding the ethics and promoting the mission of the organization
- Developing and implementing a strong business model for ensuring the high-quality growth of assets
- Oversee operations, IT Infra and software application, Credit, accounting, and Admin , Sales management, sufficient investment capital budgeting for near-term growth targets.
- Establish and implement a risk management plan for the Company, including credit, operational, market, regulatory, reputational, and other risks
- Monitor the changes and development of the Gold Finance industry in India, especially in the operational regions
- Ensuring that the goals articulated in the institution’s overall strategy are realized by establishing a system for ensuring strong adherence and accountability to these goals
- Trend analysis of branch-level business in terms of business volume, breakeven point, foreclosure of loan, tenure of gold loan, and charges in the process
- Handling day-to-day fund management ensuring timely honoring of commitments, and maintaining optimum cash and bank balances
- Facilitating the business rating, interacting with specialized agencies in the gold industry, and asking them to conduct ratings with the approval from Board
- Establish and manage auction process
- Translate strategy into actionable steps for growth, implementing organization-wide goal setting, performance management, and annual operations planning.
- Coordinate with national and local business regulations, and take appropriate action when necessary for aligning with required compliances
- Streamlined operational processes to enhance efficiency and reduce costs.
- Directed cross-functional teams to execute strategic initiatives and achieve business objectives.
- Implemented performance metrics to monitor operational effectiveness and drive continuous improvement.
- Developed and managed comprehensive budgets to align financial resources with corporate strategies.
Deputy Vice President and Zonal Head
Muthoot Fincorp Ltd.
06.2007 - 12.2023
- Manage a team of 6 Regional Managers, 24 Area Managers, 384 Branch heads and 1400 employees
- Ensure Achievement of Business objectives: Branch Level, Resource levelMarket Segment Scoping for acquiring new Customers.
- Maintain the excellence of operational, infra & admin, marketing, Human resources management of the zoneResponsible for adherence of regulatory compliances
- Responsible for recruitment and selection
- Develop & Strengthen Relationship and retain talents inside the organizationLiaison with Product team for various customized solutions
- Closely work with marketing team for developing different kind of initiatives for business, branding , visibility etc..Manage IR related issues
- Cross sell and upsell group companies, Third parties
- Understanding and upholds the Vision, Values and Mission of the company and educate the branch employees onnew policies and guidelines as laid by HO
- Periodic performance reviews with line management to highlight trends / performance v/s benchmarks / progresson initiatives / opportunities / reasons for underperformance etc.
- Led strategic initiatives to enhance operational efficiency and drive business growth.
- Developed and implemented risk management frameworks to ensure compliance with regulatory standards.
- Oversaw financial performance, analyzing trends to inform decision-making and budget allocations.
- Directed cross-functional teams to streamline processes and improve service delivery across branches.
Business Supervisor – Direct and dealership channel
Indian Tobacco Company
01.2004 - 01.2007
- Managing sales and distribution FMCG products of ITC Merchandising
- Responsible for Ernakulam and South part of Kottayam
Sales executive
Eureka Forbes Limited
01.2002 - 01.2004
- Responsible for sales of Water Purifiers (Aquaguard )and Vaccum Clearners
- Have been promoted as Sr Customer associate
Education
Master of Business administration -
Mahatma Gandhi University
KeralaBA - History
Mahatma Gandhi University
Kottayam, KeralaSkills
- Sales and marketing experience
- Profit enhancement techniques
- Strategic business development
- Business growth initiatives
- Regulatory compliance
- Operational oversight
- Team leadership
Career Summary
- Strategic Business Professional with 22 years of experience in steering business functions with a view to realize sales and revenue
- Association with Muthoot Fincorp Ltd . as Zonal Head with expertise in Business development, planning, market penetration and data analysis.
- Spearheaded sales, service and distribution of financial products, Gold Loan , Business loans and other financial services for various customer segments
- Merit of meeting all business plans, Productivity norms and driving Efficiency parameters
- Handled Micro Business loans - all Kerala, based at Cochin, Kerala
- Monitored in a difficult economic environment; introduced new risk controls, improved processes
- Drove business and ensured sustained growth, focused on achieving /surpassing sales targets; expanded business reach and created new sales / leads opportunities
- Best in aligning the team to achieve management objectives by adhering to Regulatory Compliance for ensuring smooth branch functions.
- Applied Statistics Tools for Management
- Managed risk-based monitoring for unusual activity including detection, investigation, suspicious reporting, documented the file with supporting documents to take appropriate decisions by DA
- Drove FMCG products channel
- Direct marketing exposure
Career Timeline
- EUREKA FORBES LTD 2002-2004
- ITC 2004-2007
- MUTHOOT FINCORP LTD 2007-2023
- KHIMJI FINSERVE PVT LTD Since 2023
Other roles
- Joined as BDO for Micro business Loans
- Have been promoted as Credit Manager, Branch Manager & Area Manager
- Responsible for credit and collections
- Have been promoted as Sr Area Manager for Gold Loan branches
- Part of product development team
Timeline
Chief Operating Officer
Khimji Finserve Pvt Ltd
12.2023 - Current
Deputy Vice President and Zonal Head
Muthoot Fincorp Ltd.
06.2007 - 12.2023
Business Supervisor – Direct and dealership channel
Indian Tobacco Company
01.2004 - 01.2007
Sales executive
Eureka Forbes Limited
01.2002 - 01.2004
BA - History
Mahatma Gandhi University
Master of Business administration -
Mahatma Gandhi University