Sales Manager (Retail Assets & Commercial Loans) - CSB Bank Ltd - Coimbatore
(2024-09)
- Oversee and streamline end-to-end loan lifecycle operations, including origination, credit evaluation, underwriting, and closing activities.
- Lead, direct, and mentor a high-performing sales and marketing team to consistently achieve and surpass monthly business targets.
- Drive territory business development by mapping prospects and generating high-value auto and commercial loan pipelines from 32 corporate branches across the Coimbatore and Erode clusters.
- Spearhead strategic dealership point-sourcing networks to expand the bank's car loan portfolio footprint.
- Design and execute comprehensive product training initiatives for branch staff to optimize cross-selling efficiency across the zone.
- Analyze complex financial statements, credit profiles, and documentation to assess risk and ensure total regulatory compliance.
- Collaborate directly with senior and top management officials to align localized sales strategies with corporate growth benchmarks.
Sales Manager (Branch Banking - Auto Loans) - HDFC Bank Ltd - Coimbatore
(2022-06 - 2024-09)
- Headed the auto loan portfolio operations under the branch banking division, managing dedicated on-field teams.
- Reviewed loan applications for accuracy, verified detailed financial records, and evaluated credit reports to minimize non-performing assets (NPAs).
- Conducted regular branch visits (cogent meetings) with Branch Managers to drive cross-functional synergy and maximize internal lead conversions.
- Ensured adherence to strict asset quality frameworks, legal compliance, and internal banking guidelines.
- Prepared and presented granular sales performance summaries and operational reports to corporate leadership.
CFD Deputy Manager - IndusInd Bank - Coimbatore
(2017-06 - 2022-05)
- Evaluated customer eligibility by assessing debt-to-income ratios, credit histories, and supporting asset documentations.
- Managed daily field investigations, localized sales calls, and point-of-sale (POS) sourcing across automotive dealerships.
- Negotiated competitive loan parameters to ensure the development of a highly profitable retail asset portfolio.
- Monitored ongoing portfolio health, tracking monthly repayment trends alongside the collections unit to mitigate financial risks.
Sales Associate - Kotak Mahindra Prime Ltd - Coimbatore
(2015-01 - 2017-05)
- Built and updated an expansive localized customer database through systematic market mapping and client outreach.
- Identified customer auto-financing needs and presented tailored credit product packages to secure conversions.
Sales Consultant - Tata Capital Financial Services Ltd - Coimbatore
(2014-02 - 2014-12)
- Managed end-to-end customer acquisition cycles via targeted calling campaigns and formal consultative business visits.
Sales Executive - Cholamandalam Finance and Service Ltd - Coimbatore
(2013-06 - 2014-02)
- Executed cold-calling and dealership point-of-sale operations to educate prospective buyers on automotive specs and financing options.
- Coordinated pipeline metrics with regional managers to align with broader monthly dealership targets.
