TATA TKS
Hazel Apartment , Avadi, Chennai
Summary
Dynamic finance professional with a proven track record of exceeding targets and driving business growth at Muthoot Finance. Skilled in financial management and team collaboration, adept at multitasking and complex problem-solving. Demonstrated success in enhancing customer relationships and achieving over 100% of quarterly goals through strategic planning and risk management.
Overview
17
17
years of professional experience
Work History
Cluster Head – Unsecured Business Loans
Muthoot Finance Ltd
Tamil Nadu
07.2024 - Current
- Received and implemented daily product, policy, and process updates from management.
- Conducted daily team huddle meetings to communicate updates and track DRR and monthly business targets.
- Coordinated closely with the credit team to ensure timely daily approvals and disbursements.
- Liaised with FCU and RCU teams to obtain reports supporting daily disbursements.
- Managed regular coordination with corporate teams, regional channel partners, and connectors for daily logins, approvals, and disbursements.
- Worked closely with central audit and compliance teams to ensure adherence to regulatory and internal guidelines.
- Monitored hourly, time-based workflows and performance of team members to achieve daily business targets.
- Followed up with operations teams to complete verification reports for daily disbursement cases.
- Coordinated with collection teams and external agencies to manage monthly non-starter and infant collection cases.
Branch Manager – Secured & Unsecured Business Loan
MAS Financial Service Ltd
Chennai
07.2023 - 05.2024
- Regularly receive daily product, policy, and process updates from management.
- Conduct daily huddle meetings with the team to download new updates and track DRR and monthly business targets.
- Ensure regular and effective follow-up with the credit team for daily approvals and disbursements.
- Maintain regular and effective follow-up with the FCU and RCU teams regarding reports for daily disbursements.
- Ensure regular and effective coordination with corporate, regional channel partners, and connectors for daily team logins, approvals, and disbursements.
- Maintain regular and effective follow-up with the central audit and compliance team.
- Perform regular, effective, hourly time-based workflow tracking with team members to achieve daily business targets.
- Ensure regular and effective follow-up with operations team members for verification reports of daily disbursement cases.
- Maintain regular and effective follow-up with the collection team and collection agencies for monthly non-starter and infant collection cases.
- Ensure regular and effective follow-up with the fulfillment center.
- Maintain regular and effective follow-up on valuation reports for secured cases.
- Ensure regular and effective follow-up on legal reports for secured cases.
Territory Sales Manager – Unsecured Business Loans
Poonawalla Fincorp.
Chennai
02.2022 - 07.2023
- Drove daily business operations by implementing product, policy, and process updates received from senior management.
- Led daily sales huddle meetings to align teams on new initiatives and track DRR, productivity, and monthly business targets.
- Collaborated with credit teams to ensure timely loan approvals and smooth daily disbursements, improving turnaround time (TAT).
- Coordinated with FCU and RCU teams to obtain required reports, ensuring compliance and seamless disbursement of cases.
- Managed relationships with corporate teams, regional channel partners, DSAs, and connectors to drive consistent login, approval, and disbursement volumes.
- Ensured strict adherence to audit, risk, and compliance norms through regular coordination with central audit and compliance teams.
- Monitored team performance through hourly workflow tracking, driving accountability and achievement of daily sales targets.
- Partnered with operations teams to complete verifications and resolve discrepancies for timely case disbursement.
- Worked closely with collection teams and agencies to manage non-starter and infant delinquency cases, supporting portfolio quality.
- Coordinated with fulfillment centers to ensure end-to-end completion of loan disbursement processes.
Senior Area Sales Manager
Bajaj Finserv ltd.
Chennai
09.2016 - 01.2022
- Receive regular daily product policy and process updates from management.
- Conduct regular daily huddle meetings with the team to download new updates, track DRR, and monitor monthly business targets.
- Perform regular effective follow-ups with the credit team for daily approvals and disbursements.
- Perform regular effective follow-ups with FCU and RCU teams on daily disbursement reports.
- Perform regular effective follow-ups with corporate, regional channel partners, and connectors for daily team login approvals and disbursements.
- Perform regular effective follow-ups with the central audit and compliance team.
- Conduct regular effective hourly workflow tracking with team members to achieve daily business targets.
- Perform regular effective follow-ups with operations team members for verification reports on daily disbursement cases.
- Perform regular effective follow-ups with the collection team and collection agencies for monthly non-starter and infant collection cases.
- Perform regular effective follow-ups with the fulfillment center.
- Perform regular effective follow-ups with valuation reports for secured cases.
- Perform regular effective follow-ups with legal reports for secured cases.
Relationship Manager
HDFC Sales Pvt. Ltd.
Chennai
04.2011 - 09.2016
- Monitor online prospects and initiate customer contact to process educational loans
- Build relationship with customers by visiting and making presentations about educational loan products and services
- Influence customers by helping them evaluate competitor products and convert them into loan customers
- Co-ordinate with customers and processing department to ensure smooth processing of the loan, and follow-up until the disbursement is made
- Visit HDFC Bank and HDFC Ltd
- Branches to work with Relationship managers and help privileged customers understand our products
- Partner with marketing department to develop and build business relationship with educational consultants across Chennai
- Converting the existing customers from who taken loan and make them to apply for insurance
- Build relationship with customers by visiting and making presentations about insurance details
Senior Associate
Mahendira Satyam
Chennai
08.2008 - 02.2011
- Call High Profile Customers to remind and collect payments for credit cards on behalf of ICICI Bank
- Underwent training to become a TL by involving with the current TLs in planning, organizing and executing activities for different regions
Education
Bachelor -
in Business Administration
Skills
- Time management abilities
- Financial management
- Multitasking capacity
- Problem-solving
- Business intelligence
- Work Planning and Prioritization
- Risk management
- Complex Problem-solving
- Crisis management
- Product development
- Employee training
- Decision-making
- Needs assessment
- Team collaboration
Hobbies and Interests
- Listening music
- Playing Cricket
- Watching TV
Disclaimer
I hereby declare that the above-mentioned details about me are true according to my knowledge.
Languages
- English
- Tamil
- Telugu
Personal Information
- Date of Birth: 03/12/82
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Timeline
Cluster Head – Unsecured Business Loans
Muthoot Finance Ltd
07.2024 - Current
Branch Manager – Secured & Unsecured Business Loan
MAS Financial Service Ltd
07.2023 - 05.2024
Territory Sales Manager – Unsecured Business Loans
Poonawalla Fincorp.
02.2022 - 07.2023
Senior Area Sales Manager
Bajaj Finserv ltd.
09.2016 - 01.2022
Relationship Manager
HDFC Sales Pvt. Ltd.
04.2011 - 09.2016
Senior Associate
Mahendira Satyam
08.2008 - 02.2011
Bachelor -
in Business Administration