Subbiah Sethuraman
Jaipur
Summary
Dynamic Business Head with a proven track record at Diwakar Tracom, driving monthly business volume to 2 Crores. Expert in credit underwriting and competitor analysis, I excel in building customer relationships and implementing data-driven strategies that mitigate risk and enhance profitability. Committed to achieving results and fostering growth in competitive markets.
Overview
31
31
years of professional experience
Work History
Business Head
Diwakar Tracom Pvt Ltd
Jaipur
10.2020 - Current
- Company Overview: Diwakar Tracom is a NBFC based out of Jaipur and is into Auto, PL and Mortgage Loans
- Monthly business volume of 2 Crores in products - TW, Used CV, Tractor & MSME Business Loans, and Personal Loans
- Having 15 branches and 50 employees
- Heading Sales, Credit, Collection and Legal for the company
- NACH - Tied up with Razorpay for NACH payments, first time for the company
- Group Credit Life Cover - Tied up with Kotak Mahindra LIC
- Risk Mitigation - Karza tie-up - Tied up with Karza Technologies for KYC, Mobile and Banking verification - this has led to arrest of fraudulent proposals at the sourcing stage itself
- Valuation & Auction - Mahindra First Choice - Tied up with MFC for valuation of used finance and auction of repo stock
- Streamlined credit and business process for TW, Used Auto and Personal Loan business
- Started New & Used TW business
- Scaled business from 1 Cr to 2 Cr a month
- Diwakar Tracom is a NBFC based out of Jaipur and is into Auto, PL and Mortgage Loans
- Monthly business volume of 2 Crores in products - TW, Used CV, Tractor & MSME Business Loans, and Personal Loans
- Having 15 branches and 50 employees
Area Sales & Receivables Manager
Cholamandalam Finance
Kolkata, Ranchi
07.2013 - 09.2020
- July 2013 to April 2015 - Kolkata
- Started tractor business for the company in West Bengal
- Attained market share of 6% in West Bengal
- May 2015 to Aug 2017 - Ranchi
- Headed tractor business for Jharkhand
- Reduced NPA and re-started business
- Sep 2017 to Mar 2018 - Kolkata
- Regional Branch Infra Manager
- Involved in coordination with vendors for putting Branches at new locations
- Apr 2018 to Oct 2020 - Kolkata
- Sales Manager for Tractor and Three Wheeler for West Bengal 1 region
- Also handled Tractor, Three Wheeler and Two Wheeler Collections
Retail Finance Manager
VE Commercial Vehicles (Eicher)
Kolkata
09.2008 - 06.2013
- Regional Retail Finance Manager covering West Bengal, Odisha and North East
- To work with sales team to get the best retail finance option for the customers
- Tied up with Nationalised Banks and Private Banks and NBFCs
- Done activities and financiers for sales promotion
Sr. Territory Manager
Mahindra & Mahindra Financial Services Ltd
Madurai, Kumbakonam, Kolkata
06.1999 - 08.2008
- Executive, Madurai Branch - Jun 1999 to Mar 2001
- Branch Manager, Kumbakonam - Apr 2001 to May 2004
- Sr.Territory Manager, Kolkata - Jun 2004 to Aug 2008
- Started career at Mahindra Finance as Executive, got promoted as Branch Manager and then got promoted as Sr.Territory Manager
- Established Mahindra Finance branches at Kumbakonam, Kharagpur, Krishnanager, Hoogly
- Reviewed business and streamlined collections
Junior Officer
Bajaj Auto Finance Ltd
Madurai
10.1998 - 05.1999
- Credit Control
- Monitoring debtors' accounts and organising for collection and recovery through agents
- Preparing MIS and organising disposal of repossessed stock
Field Officer
Annamallai Finance Ltd
Madurai
07.1997 - 09.1998
- Sales of vehicle finance by closely working with dealers
- Portfolio management - collection and resolution bad accounts by repossession and disposal
Trader
Chona Financial Services Ltd
Chennai
01.1996 - 03.1997
- Trade in NSE terminal on behalf of brokers and clients
Sales Manager
Spark Enterprises
Salem
08.1994 - 11.1995
- Retail and institutional sales of L&T Eutectic Welding Electrodes in Salem district
Education
MBA - Finance
Annamalai University
01.1994
B.B.A -
VHNSN, College
Madurai01.1992
Skills
- Business development
- Competitor analysis
- Customer relationship building
- Credit underwriting
- Financial analysis
- Data-driven decision making
Timeline
Business Head
Diwakar Tracom Pvt Ltd
10.2020 - Current
Area Sales & Receivables Manager
Cholamandalam Finance
07.2013 - 09.2020
Retail Finance Manager
VE Commercial Vehicles (Eicher)
09.2008 - 06.2013
Sr. Territory Manager
Mahindra & Mahindra Financial Services Ltd
06.1999 - 08.2008
Junior Officer
Bajaj Auto Finance Ltd
10.1998 - 05.1999
Field Officer
Annamallai Finance Ltd
07.1997 - 09.1998
Trader
Chona Financial Services Ltd
01.1996 - 03.1997
Sales Manager
Spark Enterprises
08.1994 - 11.1995
MBA - Finance
Annamalai University
B.B.A -
VHNSN, College
Similar Profiles
Imran HossainImran Hossain
Retail Operations Manager at Evergrow Tracom Pvt LtdRetail Operations Manager at Evergrow Tracom Pvt Ltd
Swetha MakamSwetha Makam
Tax Preparer at Diwakar TaxesTax Preparer at Diwakar Taxes
DIWAKAR SAKIBANDADIWAKAR SAKIBANDA
Senior System Engineer at SAKIBANDA DIWAKARSenior System Engineer at SAKIBANDA DIWAKAR