Ds Yathish

Results-oriented Banking and Gold Loan Professional with over 13 years of experience in Gold Loan Operations, Sales Management, Portfolio Growth, Team Leadership, Business Development, Collections, and Branch Management. Proven expertise in driving business growth, customer acquisition, asset quality management, and portfolio expansion across leading financial institutions. Strong knowledge of Gold Valuation, Risk Assessment, RBI Compliance, KYC/AML guidelines, and NPA management.

Skilled in leading high-performing teams and achieving business targets through strategic planning and customer-centric solutions.

Regional Gold Loan Manager at ICICI BANK (2023-02 – Present)

• Manage Gold Loan business across 22 branches.
• Drive portfolio growth and increase Assets Under Management (AUM).
• Lead and monitor branch teams to achieve business targets.
• Ensure compliance with RBI guidelines and internal policies.
• Monitor overdue accounts and maintain portfolio quality.
• Conduct training programs for branch staff and gold appraisers.
• Drive customer acquisition and cross-selling initiatives.
• Support collection activities and NPA control measures.
• Coordinate branch marketing and business development activities.

Area Manager at FEDFINA FINANCIAL SERVICES (2022-02 – 2023-01)

• Managed Gold Loan business across Davanagere and Hubballi regions.
• Led branch teams to achieve sales and portfolio targets.
• Monitored branch productivity and portfolio quality.
• Conducted staff training and performance reviews.
• Ensured operational excellence and audit compliance.
• Implemented customer acquisition and retention strategies.

Business Development Manager at RUPEEK FINTECH (2018-01 – 2021-12)

• Managed field sales teams and business development activities.
• Built partnerships with DSAs and business associates.
• Increased customer acquisition and portfolio growth.
• Conducted team training and performance monitoring.
• Ensured smooth loan processing and customer experience.
• Maintained compliance with company policies and RBI guidelines.

Team Leader at MANAPPURAM FINANCE (2016-01 – 2018-06)

• Supervised branch operations and sales activities.
• Managed customer acquisition and portfolio growth.
• Led collections and NPA control initiatives.
• Trained team members on sales and operational processes.
• Ensured compliance with organizational policies and procedures.

Sales Officer – Gold Loans at HDB FINANCIAL SERVICES (2013-02 – 2015-11)

• Generated business through field marketing and customer referrals.
• Conducted gold appraisal and loan processing activities.
• Managed customer documentation and KYC verification.
• Ensured timely collections and portfolio maintenance.
• Promoted cross-selling of banking and insurance products.

Bachelor of Commerce in B.Com

Pre-University Course in Commerce

SSLC in Karnataka board