Rajeev T

Senior Banking and NBFC Executive with over 28 years of leadership experience in Gold Loan, Retail Lending, Branch Banking and Business Operations. Proven expertise in building and scaling Gold Loan businesses, driving operational excellence, implementing enterprise-wide process improvements and leading large multi-state branch networks. Successfully transformed Supra Pacific's Gold Loan business by growing Assets Under Management from ■3 Crore to ■26 Crore, expanding the branch network from 9 to 38 branches, acquiring over 4,000 customers, and leading a team of 120 professionals within 1 year.

Previously led one of Muthoot Fincorp's largest regional operations, managing 110 branches, 470 employees, a ■220 Crore Gold Loan portfolio, and ■15 Crore P&L, while strengthening operational governance, compliance and portfolio quality across two states. Recognized for building scalable businesses through disciplined execution, process standardization, customer-centric innovation and strong people leadership.

Zonal Head – Kerala at Supra Pacific (2023-07 – 2025-03)

Joined Supra Pacific at the early stages of its Gold Loan expansion and played a pivotal role in establishing a scalable and profitable Gold Loan franchise across Kerala.

• Increased Gold Loan AUM from ■3 Crore to ■26 Crore.
• Expanded branch network from 9 to 38 locations.
• Added over 4,000 active Gold Loan customers.
• Led business development initiatives across Kerala.
• Conceptualized and launched customer-focused Gold Loan schemes tailored to diverse market segments.
• Introduced differentiated offerings that enhanced customer acquisition and improved market competitiveness.
• Designed and implemented standardized Gold Loan operating procedures and branch SOPs.
• Established robust operational frameworks for appraisal, documentation, disbursement, customer service and branch governance.
• Improved consistency, turnaround time and customer experience across the network.
• Built and led a team of 120 employees.
• Managed 5 Area Managers.
• Led recruitment, capability development and performance management.

Vice President – Product Head - Gold Loan | Enterprise & Personal Lending (2025-04 – Present)

• End-to-end ownership of Business Loan & Personal Loan portfolio including product strategy, business growth, and collections.
• Managing end-to-end insurance and allied product business, Partnerships, Business sourcing, Revenue generation, Claim Settlements..etc

Senior Regional Manager (AVP) at Muthoot Fincorp (2014-07 – 2023-07)

Led one of the company's largest Gold Loan regions with end-to-end responsibility for business growth, operations, compliance and people leadership.

• Managed Gold Loan portfolio of ■220 Crore.
• Directed operations across 110 branches in two Regions
• Managed a workforce of 470 employees.
• Held ■15 Crore P&L responsibility.
• Led 8 Area Managers.
• Successfully implemented standardized Gold Loan operating procedures across all branches.
• Ensured consistent execution of operational controls and service standards.
• Strengthened governance through structured monitoring and review mechanisms.
• Enhanced compliance with regulatory and internal operational standards.
• Improved audit preparedness through disciplined process implementation.
• Strengthened operational governance and branch-level accountability.

Sr Area Manager at Muthoot Fincorp (2010-12 – 2014-07)

• Led one of Muthoot Fincorp's largest rural expansion initiatives by increasing the branch network from 19 to 54 branches across Palakkad.
• Directed the complete branch lifecycle—from market mapping and location strategy to lease finalization, branch commissioning, staffing, and operational launch.
• Built high-performing branch teams through recruitment, induction, and structured training in Gold Loan operations, compliance, and customer acquisition.
• Partnered with HR, Administration, Legal, IT, and Operations to ensure every new branch became fully operational within planned timelines.
• Accelerated rural market penetration by establishing strategically located branches, contributing to sustained business growth and enhanced brand presence.
• Ensured all newly opened branches operated in full compliance with organizational policies, operational standards, and regulatory requirements from Day One.

Area Acquisition Head (E3) at HDFC BANK LTD. (2008-06 – 2010-11)

Sales Manager (SME Liabilities) at ICICI BANK LTD. (2007-07 – 2008-06)

Sales Manager at KOTAK LIFE INSURANCE LTD. (2006-07 – 2007-06)

Area Manager / Medical Representative at TORRENT PHARMACEUTICALS LTD. (2001 – 2006)

Medical Representative at WANDER PHARMACEUTICALS LTD. (1997 – 2001)

MBA – OP Jindal Global Business School

B.Sc. in Mathematics – University of Calicut