Working - Advocate G Siva Shankar BA.,(CS),BL., - Salem
(2024-01)
- Prepare Periodic Legal MIS, case summaries and recovery status reports for Management review
- Review Title documents, Loan agreements and other recovery related Contracts
- Coordinate With Banks and Financial Institutions on matters related to SARFAESI Act
- Support Banks on Sale of Auction Property for the case assigned by the bank or financial institutions to our Law associate or to our Senior by referring Investors
- Carry target on sale of Auction Property and should earn revenue income based on the targets assigned by Senior
Territory Manager - Digi Money Finance Ltd - Chennai and Salem Region
(2023-07 - 2023-12)
Handled Chennai and Salem Region
- Maintaining customer relationships
- Setting and meeting sales targets to increase revenue
- To ensure efficiency of sales, operations, Credit, Legal and Technical
Branch Manager - Repco Home Finance Ltd. - Salem
(2018-08 - 2023-05)
- Joined as a Second line manager, handled sales and credit, were files will be sourced from DSA, Connector, Builder's, Direct Source, Loan Camp and other marketing activities and will evaluate credit worthiness and credit reports
- Property Verification, Employment verification, Risk Assessment carried out
- Obtain Legal Opinion to ensure clear title over the Property and obtain valuation report from the Technical vendor to analyse the Marketability, Location identification, Pathway to the property, Further LTV and LCR calculation and based on that the Loan Limit will be fixed
- Further CAM sheet preparation will be done and IIR will be set accordingly
- From Jan 2019 Headed Salem Branch and Carried a target of 4.5cr per month
- Handled the Branch, Sales, Credit, Operations and Collections Team
- Increased Salem branch book size from 125cr to 164cr with a consistent incremental growth
- Branch Recovery has been handled very effectively both legally and by direct visit to all the bucket customers and roll back was done with effective collection strategies
- Chronic NPA cases have been closed through Physical possession of the property by SARFAESI act, DM orders and through CJM court effectively
Branch Manager (Senior Manager Grade) - Aspire Home Finance Corporation Ltd. - Salem
(2017-03 - 2018-08)
- Managed sales by tapping prospects and to analyse their requirement on Home loans-construction, Purchase of House and Property, Construction Refinance and Loan against Property and to maintain TAT for loan disbursement
- Carried a Monthly Target of 2Cr and since am the First Branch head of Salem Start up Branch, We Increased the Branch Book size from scratch to 25Cr book size
- Handled 5 Relationship Officers for sales and 2 credit officers and 1 Ops exe and 1 Recovery Exe
- DSA's and connectors Recruitment and support them in Marketing activities and to achieve their target
- Responsible to achieve the per month disbursement target and to increase logins
Branch Head - Equitas Small Finance Bank Ltd.
(2015-11 - 2017-03)
- Understand the business model of Affordable Housing Loan and Loan against Property and ensure branch profitability, Supervise and guide branch team i.e. Sales, Credit, Legal, Collections and Operations to achieve expected results
- Time to Time, For Branch Head, Approval Limit of 7L to10L given for sanctioning the file at branch level and entire credit application process right from login to disbursement was handled
- Above 10L files, Customer PD along with the branch credit Manager will be done and CAM sheet will be Prepared with all the necessary details and will be forwarded to Area Credit Manager for Approval
- Responsible for TAT of delivering sanction letter and disbursement
- Supervising Key areas including direct marketing team, Business channels like DSA, Connectors, and Builders for business development
Branch Manager - Sakthi finance Financial Services Ltd.
(2009-09 - 2015-11)
- Responsible for handling the marketing officers and responsible for their performance
- Responsible for reviewing sales and to achieve the branch revenue target
- Business development across, the products of Sakthi finance ltd.: Home loans – Micro LAP Upto 3L limit and Regular Housing Loan tie up with ICICI Bank Ltd., Deposits and Lockers, Life Insurance and General insurance, Mutual funds, Health Insurance (tie-up with STAR, Apollo Munich, Religare)
Relationship Manager (GRADE: DEPUTY MANAGER) - Induslnd Bank, Avinashi. (Coimbatore cluster) - Avinashi
(2008-07 - 2009-08)
- To build relationship and to give financial services to the existing HNI clients of the Bank
- To Meet HNI customers to invest in Mutual funds and Insurance, CASA, Home Loans and to meet out the threshold fee income target of the bank
- To handle team of relationship officers for increasing the new client relationship
Financial Services Associate - ICICI Prudential Life Insurance Co Ltd - Salem
(2006-10 - 2008-07)
As Financial Services Associate in Salem location and handled banc-assurance channels of ICICI bank ltd.
