VINOTH KUMAR K

Job Responsibilities:

• Managing one main branch and four satellite locations with a team size of 11.
• Managing DSA, connectors, and builders effectively with a good relationship.
• Evaluating customers' income documents and recommending.
• Evaluating the legal papers according to company and legal norms.
• Verifying the property and locality.
• Collection recovery.
• Working collaboratively with the team and being approachable. This helps to reduce the attrition rate.
• Managing a good portfolio for the company through quality sourcing and maintaining relationships with existing customers.
• Cross-selling of attachment products.

Achievements:

• Awarded as Best Branch for FY 2023-24.
• The portfolio is around 40 crore, with 378 live accounts, and has been maintaining good delinquency till now.
• The branch started in January 2022 virtually, where, in the initial six months, work was done individually to develop branch distributions and portfolios.
• After 6 months, in July 2022, the physical branch was started with minimal office furniture.
• And added 2 RMs and 1 CSM.
• We achieved 25 crore by FY23-24.
• Now, in the 3.6 years, the branch has 2 (30+), 2 (60+), and 2 (NPA's).

• Sourcing housing loan from Salaried and Self Employed
• Collection recovery.
• Analyze applicants' financial status, credit, and property evaluations to determine the feasibility of granting loans.
• Providing a good portfolio for the company through relationships with existing customers and maintaining nil delinquency.
• Explains the loan contracts to the customers and gets the signatures and notarizations.
• Cross-selling of attachment products.

• Generate sales calls via direct marketing and door-to-door outreach to achieve business targets.
• Cross-selling of attachment products.
• Making customers aware of loans' impact on business development.
• Analyze applicants' financial status, credit, and property evaluations to determine the feasibility of granting loans.
• Completes loan contracts by explaining provisions to the applicant, obtaining signatures and notarizations, and collecting fees.

• Providing service to B2B clients, maintaining relationships with sub-brokers, and generating revenue for the company.
• Buy or sell the shares for sub-broker clients.