Cricket
Santhosh A
Banker
Indore
Summary
Business Development Manager:
- Analytical result oriented professional with 7+ years of experience in analyzing the potential risk and providing financial solution to wide range of clients. Proven expertise in Banking and Finance industry with an in-depth understanding of banking practices, financial products, risk mitigation and compliance regulation.
Overview
9
9
years of professional experience
7
7
years of post-secondary education
3
3
Languages
Work History
Business Development Officer
Bank Of Maharashtra
01.2024 - Current
- Scouting new proposal, deposit and account from the market.
- Increase in retail and MSME credit flow.
- Acquisition of new HNI, Government departments and institutional accounts.
- Handling cluster of branches and driving the business in allotted branches.
- Good repute builders , car dealers to be contacted in the common area for the empanelment process.
- Coordination with credit and operations for the disbursement process.
- Working with CBS and LLMS for branch level operations and sanctioning the proposal.
- Handling branch level audit purpose, doing CKYC and preparing the note for the disbursed loan for audit purpose.
- Fostered lasting relationships with customers through effective communication and quick response, resulting in long-term loyalty and expanded client base.
- Increased sales with execution of full sales cycle processing from initial lead processing through conversion and closing.
Manager/Unsecured Loans
Kotak Mahindra Bank
2 2021 - 08.2023
- Handling unsecured loans (SPLN) via online channels i.e Both internal and external aggregators
- Recruiting and training FOS , Tele caller ,Team leader and ensure the minimum productivity met by all the member in team
- Handling a team of 20-25 FOS with 2 sales manager and completing the location target
- Coordinating with Credit Manager and operation team for disbursing the case within a TAT
- Managing the portfolio of new client accounts and servicing them in all their business needs through the products offered and handing VAS
- Conducting BTL Activities to generate open market leads
- Maintaining the FOS and TC tracker whether leads are successfully generated and they are providing proper service to clients
- Doing PD from customer to understand the customer profile and to maintain the better approval rate (i.e
- It fits within Multiplier and FOIR)
- Analyse financial statement and credit history to better understand degree of risk involved in extending the credit to the customer
- Developing market strategies for different geographies and market segment
- Review all KYC forms in order to avoid risk and to avoid fraudulent.
- Conducted competitive analysis to identify market trends and capitalize on emerging opportunities for growth.
- Established team priorities, maintained schedules and monitored performance.
- Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
Territory Manager/Personal Loan
IDFC First Bank
08.2019 - 01.2021
- Drive personal loan and Business installment loan through branches, DSA and DST
- Handling DST of 10-15 people
- Recruit , train, motivate them to achieve the sales target with the mapped clients
- Analyse business trends and sales figures to formulate new strategies to increse the PL book size
- Initiate innovative promotional scheme to enhance visibility of PL in bank branches
- Coordinate with credit , product and operation team to ensure the smooth flow of business
- Ability to ensure client satisfaction and delight by rendering prompt service to clients
- Ability to conceptualize and implement competent market strategies with a view to penetrate new customer
- Maintaining IRR , PF and cross selling of savings account and TPP
- Following Bucket X cases and maintaining 70% conversion.
Relationship Manager/Deputy Manager
ICICI Bank Ltd
08.2017 - 07.2019
- Handling business installment loan via Branches, DSA and online channels
- Increasing business loan in MSME through different programs like banking surrogate program, audit financial program , GST surrogate, Repayment program
- Doing BD visit along with the credit manager and ensure business module met as per guidelines
- Managing customer relationship & addressing both sales and service queries for customers with an objective to engage and retain customers
- Analyze financial statement , IT statement , GST 3B returns and credit history to better understand how much risk involved in extending credit to the customer
- Analyze business trends and initiate innovative promotional scheme to enhance the visibility in the branches
- Recruit train and motivate channel sales team.
Management Trainee/Sales & Product
Eastern Condiments Pvt Ltd
07.2015 - 01.2017
- Handling modern trade retail outlets via distributors
- Recruiting sales officer and appointing a distributor in the untapped market to increase the business size
- Development and execution of BTL activities like exhibition, wet sampling , door-door activities and retailer meets
- Regular market visit to identify need gaps in the market and taking initiatives
- Accomplishing the primary sales and ensure SO's are proactive in secondary market
- Handle all the promoters who are working in the hyper market and make them to sell the product to end customer.
Education
Post Graduate Diploma in Banking and Finance -
Manipal Academy of Banking
Bengaluru, India 06.2017 - 05.2018
Master of Business - Finance And Marketing
VIT University
Vellore, India 06.2013 - 05.2015
Bachelor of Technology - Information Technology
Adhiyamaan College of Engineering
Hosur, India 06.2009 - 05.2013
Conference/Course Name - undefined
Skills
Market Analysis
Data Analytics
Business Analysis
Customer Relationship
Financial Planner
Strategic Planning
Customer Satisfaction Analysis
Decision-Making
Goal Setting
Relationship Management
Problem-solving aptitude
Organizations
- Kotak Mahindra Bank
- IDFC First Bank
- ICICI Bank
- Eastern condiments Pvt Ltd
Causes
- Health and Wellness
- Education to all
- Long Drive Reality Shows
Awards
- R3 Contest, 09/2018, 12/2018, ICICI Bank PL
- Best TM In South, 08/2019, 01/2021
- Best Outgoing Student, 06/2009, 04/2013, Adhiyamaan College of Engineering
Volunteer Experience
Blood Donor Camp, TN State AIDS Control Society, Organizer
Interests
Timeline
Business Development Officer
Bank Of Maharashtra
01.2024 - Current
Territory Manager/Personal Loan
IDFC First Bank
08.2019 - 01.2021
Relationship Manager/Deputy Manager
ICICI Bank Ltd
08.2017 - 07.2019
Post Graduate Diploma in Banking and Finance -
Manipal Academy of Banking
06.2017 - 05.2018
Management Trainee/Sales & Product
Eastern Condiments Pvt Ltd
07.2015 - 01.2017
Master of Business - Finance And Marketing
VIT University
06.2013 - 05.2015
Bachelor of Technology - Information Technology
Adhiyamaan College of Engineering
06.2009 - 05.2013
Manager/Unsecured Loans
Kotak Mahindra Bank
2 2021 - 08.2023
Conference/Course Name - undefined
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