Thomas Gowda R
Coimbatore,Tamil Nadu
Summary
Senior Area Manager with 8+ years of experience in Two-Wheeler & Car Loan business. Proven track record in driving regional growth, dealer network expansion, team leadership, and portfolio quality. Strong in business development, credit operations, and compliance-driven performance management.
Overview
9
9
years of professional experience
Work History
Senior Area Manager - Two-Wheeler Loans
Bajaj Finance Ltd
Madurai
03.2024 - Current
- Head Two-Wheeler Loan business across three districts.
- Own regional disbursement targets, productivity, and portfolio health.
- Lead, mentor, and review Sales Managers, sales teams, and channel partners.
- Expand and strengthen dealer network and market penetration.
- Ensure strict adherence to credit policy, compliance, and risk norms.
- Drive growth through dealer engagement programs and market initiatives.
- Track competitor strategies and implement counter-measures to improve market share.
- Managed end-to-end Two-Wheeler Finance operations for assigned regions.
- Achieved consistent growth in disbursements and active dealer base.
- Empanelled new dealers and improved channel productivity.
- Conducted regular sales reviews, training sessions, and performance tracking.
- Coordinated with Credit & Operations teams for smooth business flow.
- Maintained a healthy and compliant portfolio.
Deputy Manager - Two wheeler loan and Car loan
ICICI Bank Ltd
Coimbatore
02.2022 - 02.2024
- Managed daily operations, delegating tasks to team members to optimise productivity and efficiency.
- Handled inbound and outbound Two wheeler & car business across Coimbatore, Nilgiris and Tirupur.
Associate Rm - car loan
Kotak Mahindra Prime
Coimbatore
03.2017 - 01.2022
- Evaluating clients' credit data and financial statements in order to determine the degree of risk involved in lending money to them.
- Filling out loan applications and including the credit analysis and loan request summaries.
- Finance analyst (customer existing financier wealth exposure).
- Credit analyst (repayment history, repayment capability and capacity).
- KYC verification to the customer.
- Maintain strong relationship with kotak branch officers, existing customers and dealers.
- Maintain accurate monthly and quarterly volume reports.
- Cross sell penetration 90% (CASA, CL, MI, credit card).
Education
MBA - Finance & Marketting
Mother Theresa college of arts and science
01.2024
B.E - Computer science & Engineering
Pavendhar Bharathidasan College of Engineering and Technology
01.2016
Skills
- Team Leadership & People Management
- Dealer Network Development
- Credit Risk Management
- Business Growth Strategy
- Portfolio Management
- Sales Planning & Execution
- MIS & Performance Tracking
Accomplishments
- Biz Achieved Q3 110% growth in disbursement YoY.
- Managed ₹4 Cr average monthly business volume.
- Increased active dealer network from 10 to 50+.
- Collection ratio 98.5% in Fy 25-26.
- Q3 Overall POD
Languages
English
Tamil
Custom Section
- Leadership & Team Handling
- Strategic Planning & Execution
- Dealer Relationship Management
- Credit Risk & Portfolio Control
- Business Development & Market Expansion
- Strong Communication & Stakeholder Management
Timeline
Senior Area Manager - Two-Wheeler Loans
Bajaj Finance Ltd
03.2024 - Current
Deputy Manager - Two wheeler loan and Car loan
ICICI Bank Ltd
02.2022 - 02.2024
Associate Rm - car loan
Kotak Mahindra Prime
03.2017 - 01.2022
MBA - Finance & Marketting
Mother Theresa college of arts and science
B.E - Computer science & Engineering
Pavendhar Bharathidasan College of Engineering and Technology