Building the business of Secured Mortgages book for the Organisation, mainly Micro LAP & Business Loans backed by Collateral.Building Direct Business Channel comprising dedicated Sales team.Building Cross Sell team to serve LMI segment which is the natural market of MFL Gold Loan branches.Simplifying & Building Product suite to address the Credit needs of LMI Segment.To Build an Excellent Portfolio with focus on Collections based Responsible Lending.To Add to the Bottomline by focusing on Fees based revenue Streams.

Joined as SBH - Kerala for promoting Mortages Business in the State for PNB HFL through branches and Open market channels.Build the Business from Scratch & built to more than 200 plus strong team with 5 Branches & 2 Outreach offices, covering length & breadth of Kerala State.Driving Assets Business through In House Channel & DMA channels, & Deposits Business through Brokers.Responsible for Customer Service & Operations, Recoveries as well, in addition to Assets & Deposits Business.

Built the Mortgage book from the scratch to respectable levels.Instrumental in opening up Kottayam and Thrissur for Ernakulam location.Gave a good launch pad to the Bank for future expansion.

Handling four locations in Kerala for Dhanlaxmi Bank LAP & Home loans business through DSA channels and Branch channels.Grown mortgage book with good yields and fee income across 4 Hubs in Kerala.

Moved to Mortgages with a specific task of building DSA channel business and to improve the branch banking business for mortgages. Instrumental in appointing DSAs across Kerala, mainly in Cochin, Trivandrum and Calicut.

Handling of Retail Assets for Branch customers for Ernakulam (Cochin) region for the Bank having 30 branches.

Revenue driven model, where each Branch being a Profit Centre, and Branch Head being Profit centre Head.Handling Self Employed Branch for Fullerton, as Business Unit Manager (Branch Head) covering all retail products. Main focus was on Small ticket BLs, BLs, Mortgage loans, CVs, Machinery loans and third party products like LI and GI., with an added responsibility of Collections and Overall administration of the Branch.

Worked as Sales Manager - Personal Loans & Business Loans for Trivandrum, Kollam and Nagercoil locations.

Acted as Single Point of Contact for Retail Loans for Liability customers of the bank.Instrumental in starting a Loan desk inside Technopark Campus, Trivandrum.Conducted various Loan melas, Property search melas inside the Campus and successfully generated leads and booked businesses.Made ICICI Bank "most preferred" bank in the campus and Trivandrum city for Personal Loans, Home loans and Credit Cards.

Incharge of Sales administration of two largest SBUs of the Co.Responsible for MIS, with direct reporting to SBU head.

Worked as Mktg Asst in Product Management Team, in International Division. Reported to Head - PMT.Independently handled MIS, Logistics & despatch of Promotional inputs to CIS countries & East Europe. Communications, Logistics, MIS etc was handled there.

Started my work life here. Reported to Zonal Sales Manager - North India. Managed ZSM'S office independently. Handled MIS, Sample Service Program for Dr's, MIS & other Logistics support to team.