Hi, I’m
Tharanath Ramamoorthy
Summary
Proven Sales Leader in Banking and Financial Services Dynamic and results-driven sales executive with over 20 years of extensive experience in the banking and financial services industry. Recognized for a proven track record of success at Bajaj Finance, HSBC, HDFC, and Standard Chartered Finance. Expertise in retail lending products, including personal loans, business loans, and gold loans. Demonstrated ability to drive sales across diverse platforms such as field sales, call centers, digital platforms, and social commerce. Known for an aggressive, go-getter attitude, inspirational leadership, and exceptional team management skills. Committed to driving organizational success by enhancing sales and operational efficiency.
Overview
20
years of professional experience
Work History
Bajaj Finance Ltd.
AGM – Gold Loan Digital Sales
08.2020 - 09.2023
Job overview
- Established and led a high-performing team for gold loans at Bajaj Finance
- Achieved significant growth, elevating the southern region to 1800 AUM
- Managed a team of 6 RSMs, 40 ASMs, and 700 branch employees across 275 branches and 240 cities
- Transformed the gold loan business into the digital realm, contributing to 40% of overall business
- Implemented effective SEO strategies, keyword research, content optimization, and managed organic and paid campaigns on Google and Facebook
- Optimized inbound, outbound, and remarketing campaigns to achieve business objectives.
Bajaj Finance Ltd.Pune
Zonal Sales Manager – Gold Loan
05.2015 - 04.2018
Job overview
- Increased regional gold loan portfolio by 25% annually, achieving and surpassing sales targets
- Recruited, trained, and managed a team of 20+ sales professionals, enhancing overall productivity
- Expanded market presence by developing and implementing localized marketing strategies
- Enhanced customer retention through personalized service and relationship management
- Ensured strict adherence to regulatory guidelines and company policies, maintaining a high standard of operational integrity.
Bajaj Finance Ltd.Chennai
Regional Sales Manager – Business Loans
03.2014 - 05.2015
Job overview
- Boosted regional business loan sales by 30% through targeted sales strategies and effective team management
- Established and nurtured strategic partnerships with local businesses and financial institutions
- Led a team of 15 sales managers, providing coaching and mentoring to achieve performance goals
- Conducted market analysis to identify new business opportunities and areas for growth
- Implemented risk management practices to minimize default rates and ensure portfolio quality.
Bajaj Finance Ltd.Bangalore
Area Sales Manager – Personal Loan Cross Sell
05.2012 - 03.2014
Job overview
- Achieved a 40% increase in personal loan cross-sell volumes through innovative sales techniques and customer engagement
- Worked closely with product, marketing, and operations teams to streamline processes and enhance customer experience
- Expanded sales team from 10 to 25 members, driving higher sales and customer acquisition
- Utilized customer feedback to refine sales approaches and improve service offerings
- Implemented performance tracking systems to monitor and boost sales team productivity.
HSBCBengaluru
Regional Manager – Personal Loan
04.2006 - 05.2012
Job overview
- Led the acquisition of personal loans through a proficient team of Sales Managers and Direct Sales Agents (DSAs).
HDFCChennai
Sales Manager – Personal and Business Loan
07.2005 - 04.2006
Job overview
- Managed sales for personal and business loans through in-house sales teams and DSAs.
Standard Chartered Finance Limited
Team Leader – Personal Loan
11.2003 - 06.2005
Job overview
- Supervised a team of field officers and telesales for the acquisition of personal loans.
Bajaj Finance Ltd.
National Head – Digital Platform, Social Commerce
Job overview
- Held P&L responsibility for the Digital Business, overseeing growth strategies across various lines of business
- Led the design and conceptualization of the payments stack (Credit cards, BNPL & Bill payments) as part of the digital strategy
- Directed the end-to-end digitization of platforms and the launch of Credit Cards & Insta EMI card, encompassing platform creation, project management, and journey finalization
- Spearheaded the development of Neo banking journeys/product propositions for integrated partnerships, managing the end-to-end process, user journey, wireframes, and visual designs
- Collaborated with risk and data science teams to create industry-specific alternative credit underwriting models using alternate data
- Implemented automated customer journeys across touchpoints with smart technology and Clevertap.
Bajaj Finance Ltd.
National Manager – Call Centre – Personal Loan
Job overview
- Partnered with the Analytics team to identify key data points influencing productivity
- Defined and optimized rechurn strategies, improving overall performance
- Monitored real-time metrics (talk time, idle time, etc.) to enhance productivity
- Developed standard sales pitches, trained agents, and conducted regular call audits to ensure quality and compliance
- Analyzed cost per seat and identified cost reduction opportunities
- Conducted monthly reviews with call center partners, setting and reviewing KPIs.
Skills
- Leadership and Team Management
- Sales Strategy and Execution
- Digital Transformation
- Project Management
- Strategic Planning and Execution
- Customer Experience Management
- Market Analysis and Expansion
- Data-Driven Decision Making
- Training and Development
- Compliance and Regulatory Adherence
Keyskillsets
- Leadership and Team Management
- Sales Strategy and Execution
- Digital Transformation
- Project Management
- Strategic Planning and Execution
- Customer Experience Management
- Market Analysis and Expansion
- Data-Driven Decision Making
- Training and Development
- Compliance and Regulatory Adherence
Timeline
AGM – Gold Loan Digital Sales
Bajaj Finance Ltd.
08.2020 - 09.2023
Zonal Sales Manager – Gold Loan
Bajaj Finance Ltd.
05.2015 - 04.2018
Regional Sales Manager – Business Loans
Bajaj Finance Ltd.
03.2014 - 05.2015
Area Sales Manager – Personal Loan Cross Sell
Bajaj Finance Ltd.
05.2012 - 03.2014
Regional Manager – Personal Loan
HSBC
04.2006 - 05.2012
Sales Manager – Personal and Business Loan
HDFC
07.2005 - 04.2006
Team Leader – Personal Loan
Standard Chartered Finance Limited
11.2003 - 06.2005
National Head – Digital Platform, Social Commerce
Bajaj Finance Ltd.
National Manager – Call Centre – Personal Loan
Bajaj Finance Ltd.
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SARATH KUMAR CSARATH KUMAR C
<ul><li>Address customer enquiries and complaints with professionalism, achieving a resolution rate of over 95%.</li><li>Process financial transactions including NEFT/RTGS, term deposits, loan disbursals, and gold loans in adherence to bank policies.</li><li>Promote digital banking services to customers, increasing branch efficiency and digital adoption.</li><li>Support clerical operations including data entry, documentation, and record updates in core banking systems.</li><li>Exceeded monthly cross-sell targets while ensuring customer service standards aligned with audit and compliance norms.</li></ul> at IDBI BANK LTD<ul><li>Address customer enquiries and complaints with professionalism, achieving a resolution rate of over 95%.</li><li>Process financial transactions including NEFT/RTGS, term deposits, loan disbursals, and gold loans in adherence to bank policies.</li><li>Promote digital banking services to customers, increasing branch efficiency and digital adoption.</li><li>Support clerical operations including data entry, documentation, and record updates in core banking systems.</li><li>Exceeded monthly cross-sell targets while ensuring customer service standards aligned with audit and compliance norms.</li></ul> at IDBI BANK LTD