Libu John Email & Phone Number

Mumbai, Mh, In

Mumbai, Maharashtra, India

Mumbai, Maharashtra

Head Portfolio and Outbound Call Center , 06/2019 - CurrentKotak Mahindra Bank Ltd, MumbaiDevelop and initiate portfolio management strategy to driveSpends, ANR and revenue across all card products•Leading Activation, Usage, Retention and Campaign managementstrategies for bank.•Responsible for driving revenue products - BT, EMI, Loan On Card,Cash and VAS products through all channels - Digital, Call Center -captive and outbound.•Responsible to identify untapped growth segments and developtargeted offerings to increase level of engagement across all Cardproducts•Develop business tracking reports

Mumbai, Maharashtra, India

Product Manager for Salaried Personal Loans, Balance Transfer, EMI, Merchant EMI, Cash and Other Value Added Services offered with Credit CardsResponsible for driving these revenue generation products thereby directly contributing to the P&L of businessResponsible for P&L for Salaried Personal loans and Inorganic book for Cards.Planning, organizing and Implementing, Marketing and Promotional campaigns for the bankDeveloping new products and sales of existing portfolio products to match competition and del iver better services to the customer.

Mumbai, Maharashtra, India

Managing Activation, Usage and Retention program for Credit Cardportfolio.•Drive Spends by activating inactive customers and therebyincreasing overall spends on Credit Cards•Manage Customer Life Cycle using Early activation 120 dayprogram, Upgrades, Limit Enhancement, Card RTO management,•Replacement of cards reported as Lost, Fraud etc and card renewalmanagement.•Lead early activation program by welcome calling and earlyactivation offers•• Promotional Offers to drive Spends & Activation of Credit CardsEnsure timely, correct and complete fulfillment of offers done forUsage of Credit Cards.•Drive key metrics of Ecom, International Spends, Purchase Activity,Transaction per customer and limit enhancement.•Drive category level interventions for increasing width of Credit Cardusage.•• Segmented analytical portfolio interventionsWork closely with multiple stake holders to drive overall objective ofSpends & Activation on Credit Cards

Mumbai, Maharashtra, India

Portfolio Manager - Inorganic and Outbound Head, 06/2011 - 03/2013 Kotak Mahindra Bank Ltd, Mumbai Responsible for revenue generation and managing profitable portfolio.Product Manager for Balance Transfer, EMI, Merchant EMI, Cash and Other Value Added Services offered with Credit CardsResponsible for driving these revenue generation products thereby directly contributing to the P&L of businessDeveloping new products and sales of existing portfolio products to match competition and deliver better services to the customerDriving the Inbound call center and outbound channels to deliver the revenue targets.Ensuring AOP targets are met by constant monitoring of cost, productivity and conversion.Design and run incentive structure for driving higher sales.Design and run cross sell strategies to effectively manage cost and to have multiple sales capabilities in single call.

Bengaluru, Karnataka, India

Locations Collections Manager, 03/2009 - 05/2011 Kotak Mahindra Bank Ltd, Bangalore Handling delinquent accounts of Credit Cards in all Buckets and Write off.Managing collections portfolio for Bangalore and ensuring the overall delinquency is maintained below permissible limits.Responsible for resolution of accounts as per given standards in each bucket and contribute to profitability by minimizing losses on NPAsResponsible for legal activities to be initiated within the location with the help of team of company appointed lawyersResponsible to coordinate for PAN INDIA warrant acquisition from Bangalore for Sec 138 cases.Liaison with Police Stations for warrant executionsWorked as a Bucket Manager for 8 months in Chennai from May 2009 to Dec 2009 handling crucial 3,5,and 7 buckets of all cycles and Write off portfolio.

Bengaluru, Karnataka, India

Areas Sales Manager, 03/2008 - 03/2009 Kotak Mahindra Bank Ltd, Bangalore Managing a team of 1Unit Manager, 4 Team Managers, 15 FOS and 25 telemarketing executives in the Retail channelManaging both channel of sales – Retail and CorporateResponsible for setting up the sales team for Kotak Credit Cards in Bangalore which was launched in 2008, including the infrastructure for SalesResponsible to identify possible channels to tap new customers and source quality applications.Responsible for setting up process flow for application movement and assisting risk team in identifying negative areas and profilesResponsible for Gold card Sales in Bangalore along with Value Added features like BT, Add on, CPP etcResponsible for managing the COA per card in the channelManaging the productivity of all executives and ensuring higher deliverables with available resources.

Bangalore

Roles and responsibilities1) SSP Management and retail sales • Managing a team of 1Unit Manager, 6 Team Managers and 70 executives in the Retail channel.• Managing a team of 6 Relationship Managers and 4 Relationship executive in the Corporate channel.• Managing both channel of sales – Retail and Corporate.• Responsible for managing the SSP as a separate cost-profit unit.• Responsible for managing the COA per card in the channel.• Responsible for relationship management with SBI and associate banks.• Recruitment, Development, Training, Retention and Supervision of the team.• Support the sales staff by initiating corporate deals for bulk sourcing. • Planning, organizing and Implementing, Marketing and Promotional campaigns for the SSP.• Controlling operating expenses of the initiative handled in a cost effective manner.• Managing the productivity of all executives and ensuring higher deliverables with available resources. • Managing relations with Vendor for timely payment of all operating expenses and ensuring the same is reimbursed within the timelines. 2) Compliance and SFE• Ensuring 100% compliance to all company norms.• Coordination with SFE ( Sales Force Effectiveness) for contests and marketing support.• Coordination with SFE

Bengaluru Area, India

Roles and responsibilities1) DSA / DST Management and Sales • Managing a team of 5 Sales Managers/ Area Managers.• Managing both channel of sales – DSA and DST.• Responsible for branch profitability and closely working with the Credit Manager on portfolio management.• Ensuring higher penetration of Insurance product through the same channel• Responsible for business profits/ branch profits and DSA payouts.• Recruitment, Development, Training, Retention and Supervision of the team.• Support sales executives in opening new accounts and upgrading existing service.• Planning, organizing and Implementing, Marketing and Promotional campaigns for the branch.• Controlling operating expenses of the initiative handled in a cost effective manner.• Assisting the Regional Sales Manager, Regional Credit manager, and Regional Business Head in setting up healthy and cost effective processes. 2) Collections• Initiating awareness calling and bounce calling.• Coordination with the collection agencies to recommend solutions to delinquent accounts.• Assisting the Regional Collections Manager in controlling the Front-end delinquency by personally monitoring and follow up on cases in soft bucket.

Bengaluru Area, India

1) DSA Management and Sales • Managing a team of 10 sales executive and 5 tele-callers.• Responsible for sourcing, processing and maintaining loan accounts with customer. • Recruitment, Development, Training, Retention and Supervision of the team.• Support sales executives in opening new accounts and upgrading existing service.• Ensuring customer Retention by quickly and effectively solving customer queries, topping -up loans and cross selling of loans, when required.• Planning, organizing and Implementing, Marketing and Promotional campaigns for the branch.• Controlling operating expenses of the initiative handled in a cost effective manner.• Selling of insurance products to existing and new customers through the branch network. 2) Credit & Collections• Decision-making with respect to the approval amount within approval authority.• Coordination with the collection agencies to recommend solutions to delinquent accounts.• Assisting the Branch manager in controlling the Front-end delinquency by personally monitoring and follow up on cases in soft bucket.