Suresh P
Zonal Business Head (Agri/MSME)
Salem
Summary
Looking for the position of a banker in a financial service organization, where I can serve the WC/CC of agriculture, Term loan, priority, MSME, Micro Lending (JLG/SHG), Financial Inclusion, Gold loan, Supply chain Finance, division and provide highly effective services, with wide gained experience in the field. Thus, I would like to work as an active member of the team, functioning for organizational growth and development.
Overview
20
20
years of professional experience
6
6
years of post-secondary education
Work History
Zonal Business Head of Tamil Nadu, AP, & Kerala for Anchor Finance Agri (Unsecured)
FinTech (M/s Ninja Cart Pvt Ltd)
09.2023 - 11.2024
- Sourcing corporate/Agri Enterprise relationships for supply chain finance
- Primary focus to grow the supply chain finance business in region through a combination of field sourcing and partnerships
- Managing existing relationships to promote cross-sale and deeper relationship building
- Taking full ownership of the work assigned and exhibiting excellent written and verbal communication skills
- Operating data-driven, with an affinity for numbers and MIS
- Developing strategies across different verticals
- Collaborating with cross-functional teams to achieve success
- On-boarding Channel Partners in the potential centers
- Focusing Food and Agri/Manufactures/Traders and FPOs/Commodity agent/brokers
- Travel with Team Members/Individual
- Plan to achieve the target with strategic level
- Onboarding DSA channel, supplier, vendor onboarding for Manufactures
- Warehouse Loan (Commodity pledge lending with BC Model with Axis Bank/UGRO/DCB
State Head of Tamil Nadu & Kerala for MSME Agri (Supply Chain Finance)
Fintech (Resha Mandi)
09.2021 - 09.2023
- Drive revenue growth of the Geographical cluster through CH/RM team and other department team
- Develop the Textile segment like Pure Silk, Cotton, and Allied textile activities client base in cluster, including target identification
- To be responsible for managing growing the book
- To ensure profitable and quality new client on-boarding
- The Major products are Invoice/Inventory finance like short-term working capital, Trade funding for all Manufacture of textile units and Textile allied activities etc., To drive and motivate the teams towards set revenue targets
- To product promotional/development activities in the potential centers
- (conducting Textile Associations meeting, Textile Dealers Meeting)
- To maintain TAT & Quality of the files at the time disbursement
- To co-ordinate with all Stake Holders like Credit, operation on a regular basis for process and policy changes and daily work
- Ensure that all aspects of internal Governance are met, monitor compliance issues, and proactively highlight/escalate any issues
- Minimum Ticket size Rs.5.00lakhs to Rs.1000.00lakhs to monitor the Textile competitor in markets
State Head of TN& KL For MSME Agri B&D
FinTech Agri (M/s Jai Kisan Pvt Ltd)
10.2022 - 05.2022
- Drive revenue growth of the Geographical cluster through RM team Develop the MSME client base in cluster, including target identification
- To be responsible for managing growing the book
- To ensure profitable and quality new client on-boarding
- The Major products are Invoice, Inventory finance like Farm Equipment/Tractors, Structure case, Small Agriculture business (SAB)working capital, Trade funding, Food processing/Manufactures units, textile unit, Rice mills, seed industries, etc
- To driving and motivating the team towards set revenue targets
- To product promotional/development activities in potential centers
- (conducting Association meeting, DSA Meeting)
- To maintain TAT & Quality of the files at the time disbursement
- To co-ordinate with all Stake Holders like Credit, operation on a regular basis for process and policy changes and daily work
- Ensure that all aspects of internal Governance are met, monitor compliance issues, and proactively highlight/escalate any issues
- Minimum Ticket size Rs.15.00lakhs to Rs.2500.00 lakhs
- To Develop Equipment finance with Tie-up Company VST Power Tillers, Kirloskar, Class Harvester and M/s Macheo Equipment's Both on-boarding of dealers and Farmer Finance
Head Agri Business Head at Central/Divisional Office Credit
M/s Karur Vysya Bank Ltd
12.2012 - 09.2021
- Agricultural Credit Underwriting for various product like KCC, TL, Structure Poultry, Dairy Loans, Poultry loan - OCC/WC, Agriculture structure loan and warehouse receipts loans, Warehouse /Cold storage, SHG/JLGs, Portfolio management, team handling / Monitoring and leadership to safeguard the bank's ability to accurately assess credit applications in a timely manner
- Various govt
- Sponsor scheme and farmers Tie-up loans with various corporate companies (sugarcane, contract farming etc)
- To be put up the proposals collecting all the mandatory details to the appropriate sanctioning authority (Committee members)
- Obtaining proper documents (Pre sanction) and presenting the same to appropriate authorities for clearance and disbursal of the loan / advances to the Farmers/Applicant
- Circular preparation and updating to all Branches and Agricultural officers
- Reduce the fraud/Fake document/farmer/customer regular and close watching existing and fresh customer
- To monitoring, periodical reviews/renewals of existing limits, Unit visits, discuss with Branch heads/Agriculture officers for suggesting corrective measures etc
- Team Management in different districts under Regional Level (Branch Manager/Agricultural Officers /Jewel Loan Officers)
- All JL Agri promotional activity and improve the advance
- Sanction limit from Rs.2.00 Lakhs to 300.00 lakhs
- Unit/Customer visit Pre & Post Sanction
- Audit and Inspection/Compliance to Branches
- Support to Sales/Legal/Branch Heads to reach the budget
- Warehouse loan monitoring the commodity finance with NCMSL, STAR AGRI, NHBC, and SWC/CWC and approved warehouse/Cold storages
- To closure of overdue WHRL Loans follow-up branch and collateral managers
- To supporting for Auction conducting of the overdue commodity warehouse loans
- Man power recruitment to place the prominent locations
- Product Training given to Ground AO/BM/JLO/BCA at STC and respective region
Deputy Manager at Salem cluster (Salem - Chennai)
M/s HDFC Bank (P) Ltd
09.2009 - 05.2012
- To be Monitor and Preparation of Credit proposals (CAM), Credit administration, Credit risk and Credit Monitoring
- Various product agriculture Kisan gold card (KGC), Tractors, Structure Finance, Small Agriculture business (SAB)working capital, Trade funding, Sourcing National Horticulture Board
- To be put up the proposals collecting all the requisite details of the appropriate sanctioning authority
- Obtaining proper documents and presenting the same to appropriate authorities for clearance and disbursal of the loan / advances to the Farmers
- Reduce the fraud/Fake document/farmer/customer regular and close watching existing and fresh customer
- To Monitoring, periodical reviews/renewals of existing limits, Unit visits, discuss with clients for suggesting corrective measures etc
- Reduction of NPA' Recovery, Coordinate with Collections team
- Monitoring, compromise through negotiations (or) resort to legal recourse
- Maintaining the existing portfolio (post disbursal formalities and monitoring)
- Manage the existing as well as future relationships with customers
- Decision making with respect to Loan files, Monitoring of TAT in loan file processing
- Team Monitoring and Monthly review/ Filed visit with Marketing Executives all the regions
- To monitoring, periodical reviews/renewals of existing limits, Unit visits, discuss with Branch heads/Agriculture officers for suggesting corrective measures etc
- Supporting to Ops/Credit/Legal department documentations
Senior Sales Officer
M/s Meghamani Agro Dyne Pvt Ltd
01.2005 - 08.2009
- Company Overview: Agriculture inputs Firm
- To carry out Sales and Promotional activities for creating demand from the grass root level for successful marketing of our agrochemical products
- To strengthen the company-channel value network relationship to source, augment and deliver our offerings and thereby causing an increment in top and bottom line
- To develop new channel partners for enhanced and easy access to our products by our ultimate consumers (farmers) and in the process expand the business
- Dealer/Distributer's Visit field staff monitoring, Farmers meeting conducting, new product Demo/Trails conducting
- Motivating Team members and dealers to increase product sales
- Agriculture inputs Firm
- Direct Sales & Marketing and that current year achievement is 112%
- Promotional Activities are conducted to improve & Increase the Sales like Van Campaigning, Dealer Meet, Farmer meets, Scheme Announcements, and Social Activities etc
- Developed the Market Size & the Structure of Market through the implement of new schemes and developed the name of the product and make awareness of the Product
Education
MBA - Corporate Finance Management
National Institute of Business Management
Kochi, India 01.2022 - 01.2023
Master of Science - GIS
Annamalai University
Chidambaram, India 04.2007 - 01.2009
Bachelor of Science - Agriculture
Annamalai University
Chidambaram, India 04.1999 - 01.2003
Skills
Sales forecasting
Operations management
Business development
Business planning
Team Management
Supporting to cross functional department like Ops/Credit/Legal department documentations
Customer acquisition
Sales strategy optimization
Business analysis and reporting
Decision-making
Problem-solving abilities
Analytical skills
Business administration
Teamwork and collaboration
Lead generation
Time management
Technical Education Qualifications
- Collage of Agriculture, RBI, CAB, Pune., Financial inclusion training-OAP, NPCI, BSBDA, SHGS, 2015-16
- Central Poultry Development Organization & Training Institute, Hesaraghatta, Bangalore., Credit of Poultry and Animal Husbandry technical workshop, 2016-17
- National Institute of Business Management, Pune., Credit appraisal training Agriculture and food processing and commodity, 2017-18
- Southern India Banks' Staff Training College., Agriculture and Other Priority sector lending (Farm/Rural credit Priority, MSME, SHG/JLG Legal, and Risk intelligence)., 2018-19
- Manipal Global Education Service, Bangalore., KYC & AML, 2018-19
- Alison Online certificate., Understanding Risk and Reward in Finance, 2020
- Alison Online certificate., Cash Flow Management Basics, 2020
- Tamil Nadu Corporation for Development of women Ltd, Salem., Bankers Orientation Programme, SHG One day workshop for SHG, Both state rural and Urban Livelihood Mission, 2021
- RBI - College of Agriculture, Pune., Integrated Farming System One day workshop, 2021
- Climate Change and sovereign Risk ADBI Bank, 2021
- Financial Globalization, Capital flow, and the global financial cycle ADBI, Bank, 2021
- Green Investment Renewable Energy ADBI Bank, 2021
- Introduction to sustainable development in Asia and the pacific ADBI Bank, 2021
- Inclusive digital economies and gender play Book ADBI Bank, 2022
- Supply Chain Management Great Learning-KA, India, 2023
- Certified Billing Ops Expert Chargebee,-USA 94040, 2023
- Careers in Commercial Banking Corporate Finance Institute, USA, 2023
- Introduction to Agri business Corporate Finance Institute, USA, 2023
- Introduction to Fintech Corporate Finance Institute, USA, 2023
Practical Experience
- Have First Hand experience in field level agriculture.
- Gained Skill & Experience in organizing, Campaign, Meetings & Demonstration.
- Having experience in sales and collection (Given Target).
- Agricultural - Industrial Ti-up Programmer RAWE - Rural Agricultural work experience.
- Having 3 months Fish Culture & Prawn Culture Program.
- Individual project for the 3-D Photoshop work in PG Degree course.
Place
Salem, TN, India
Disclaimer
I hereby affirm that the information in this resume is true and the best of my knowledge.
Personal Information
- Passport Number: G9399805
- Date of Birth: 05/05/81
- Nationality: Indian
- Marital Status: Married
- Religion: Hindu
Timeline
Zonal Business Head of Tamil Nadu, AP, & Kerala for Anchor Finance Agri (Unsecured)
FinTech (M/s Ninja Cart Pvt Ltd)
09.2023 - 11.2024
State Head of TN& KL For MSME Agri B&D
FinTech Agri (M/s Jai Kisan Pvt Ltd)
10.2022 - 05.2022
MBA - Corporate Finance Management
National Institute of Business Management
01.2022 - 01.2023
State Head of Tamil Nadu & Kerala for MSME Agri (Supply Chain Finance)
Fintech (Resha Mandi)
09.2021 - 09.2023
Head Agri Business Head at Central/Divisional Office Credit
M/s Karur Vysya Bank Ltd
12.2012 - 09.2021
Deputy Manager at Salem cluster (Salem - Chennai)
M/s HDFC Bank (P) Ltd
09.2009 - 05.2012
Master of Science - GIS
Annamalai University
04.2007 - 01.2009
Senior Sales Officer
M/s Meghamani Agro Dyne Pvt Ltd
01.2005 - 08.2009
Bachelor of Science - Agriculture
Annamalai University
04.1999 - 01.2003