Kerala & Maharashtra

Responsible for the entire Operations of state, P&L, and Cost efficiency. Team member in Strategy & Business planning, Incentive & Product committee (Design, launch & rollout). Scale up the business with 200 Cr AUM and effectively handled the Pandemic situation.

Responsible for the Microfinance Operations, Branch Admin, Recruitment, Training and to develop a quality portfolio within the TAT. • Responsible for the overall state hierarchy, including Recruitment, Training, Operations, Risk & Audit. • Installed state operations and opened 35 branches in 1.5 years & build up an AUM of 110 Cr with below to 1% PAR value.• Buildup a team size of 274 staff’s, with 3-layer operating structure.• Recruited Senior & Middle management level resources… Show more Responsible for the Microfinance Operations, Branch Admin, Recruitment, Training and to develop a quality portfolio within the TAT. • Responsible for the overall state hierarchy, including Recruitment, Training, Operations, Risk & Audit. • Installed state operations and opened 35 branches in 1.5 years & build up an AUM of 110 Cr with below to 1% PAR value.• Buildup a team size of 274 staff’s, with 3-layer operating structure.• Recruited Senior & Middle management level resources in all the verticals.• Attained 5% of DB market share of the state during this tenure.• Successfully implemented unique collection model, first time in state. Show less

• Direct and coordinate financial planning and Business projections• Management functions recommend benchmarks for measuring the financial and operating performance• Monitor and analyse monthly operating results• Oversee daily operations of the branches and the preparation of all Operational reports, preparation of financial outlooks and forecasts• Prepare financial analysis for contract negotiations and product investment decisions• Ensure compliance with local, state, and… Show more • Direct and coordinate financial planning and Business projections• Management functions recommend benchmarks for measuring the financial and operating performance• Monitor and analyse monthly operating results• Oversee daily operations of the branches and the preparation of all Operational reports, preparation of financial outlooks and forecasts• Prepare financial analysis for contract negotiations and product investment decisions• Ensure compliance with local, state, and federal budgetary reporting requirements• Work with department managers to develop yearly business plans• Assist in establishing short- and long-range departmental goals, objectives, policies, and operating procedures• Design, establish, and maintain an organizational structure to effectively accomplish the departments goals and objectives• Serve on planning and policy-making committees• Serve as primary government liaison relative to financial issues• Coordinate financial audits and provide recommendations for procedural improvements Show less

• Handling Sales, Recruitment, Risk, P/L management and Credit & Collection process for South Kerala Region and maintaining the portfolio around 350 Cr with 3 lack clients.• Handling more than 480 field staffs. Handling 50 branches in the Zone.• Responsible for cost control and revenue generation.• Responsible for the Business development & Branch Expansion• Responsible for the BC operations, Cross selling of TW Loan

• Handed Sales, Recruitment, Risk, P/L management and Credit & Collection process for South Kerala Region and maintaining the portfolio around 200 Cr with 2 lack clients.• Handled more than 240 field staffs. Responsible for 35 branches in the Region including 3 BC branches.( 5 districts)• Responsible for cost control and revenue generation.• Responsible for the Business development & Branch Expansion• Responsible for conducting CSR activities as per the local needs

Working as Divisional Manager for South Kerala Division 1 at Muthoot Fincorp Ltd. (Microfinance)

• Handled Sales, Credit & Collection process for Trivandrum Division. Handled around 24 Cr • Handled more than 60 field staffs. Handled 10 branches in the Area.• Responsible for cost control and revenue generation.• Responsible for the Business development & Branch Expansion

Secretarial correspondence, Back end of Field staff recruitment and Other HR related activities,

Collection Manager for Muthoot Business Loans.