Vijayakumar Tr

Result-oriented microfinance professional with 20+ years of overall experience and proven Area Manager-level leadership, currently driving multi-branch operations across 3 branches and 745 centers in Tiruppur District, Tamil Nadu. Skilled in branch P&L ownership, portfolio quality management, team building and supervision (20-member field force), collections and OD/NPA control, KYC and regulatory compliance, and government/bank/NGO stakeholder coordination. Combines strong field execution discipline (daily center visits, member verification, credit appraisal) with structured MIS reporting and target-driven planning — directly aligned to managing branch operations and growth across locations such as Udumalaipettai, Sulur, Thondamuthur, and Kinathukadavu.

Area Manager (Microfinance) - Sri Annai Meenakshi Trust - Tamil Nadu, India

(2026-02)

• Branch & Center Leadership: Lead end-to-end operations across 3 branches and 745 centers in Tamil Nadu, owning field execution, service delivery, and branch performance.
• Team Management: Supervise, mentor, and performance-manage a 20-member field team, driving productivity, compliance, and process adherence across all branches.
• Business Target Achievement: Plan and review weekly business targets of ₹30 lakhs/week across 3 branches, translating organizational goals into branch-level execution plans.
• Field Oversight: Conduct daily field travel completing approximately 6 center visits per day to monitor center activity, member engagement quality, and process compliance.
• Credit & Loan Operations: Conduct member appraisal and eligibility checks for credit assessment; coordinate loan sanctioning activities ensuring documentation completeness and policy adherence.
• Collections & Portfolio Quality: Track and follow up on current arrears and overdue (OD) accounts, coordinating with field staff to control delinquency and strengthen portfolio quality.
• Compliance & Verification: Manage KYC documentation, house and member verification, and portal-based compliance updates to ensure audit and regulatory readiness.
• Reporting: Prepare weekly MIS and performance reports for senior management covering targets, disbursement, collections, OD, and center activity.

Assistant Project Officer - Tamil Nadu Corporation for Development of Women (TNCDW) - Tamil Nadu, India

(2007-09 - 2025-01)

• Multi-District Program Delivery: Supported implementation of women's development and Self-Help Group (SHG) programs across multiple districts of Tamil Nadu, coordinating directly with government departments, banks, and NGOs.
• Credit Linkage Coordination: Organized and facilitated SHG–bank credit linkage activities and community credit camps as per government guidelines — directly comparable to branch-level credit and disbursement coordination.
• Stakeholder & Institutional Liaison: Prepared agendas and documentation for district review meetings and nodal bankers' meetings, building strong structured stakeholder engagement experience.
• Monitoring & Reporting: Monitored SHGs, NGOs, and community institutions on behalf of government departments; prepared periodic progress and monitoring/evaluation reports for government review.

Senior Sales Executive - Holy Faith International Publishers - Chennai

(2004-01 - 2007-10)

• Territory & Relationship Management: Managed institutional relationships with schools and trade partners across an assigned territory, achieving business targets through structured follow-up and demand generation.

Sales Executive - Macmillan Publishers India Pvt Ltd

(1999-07 - 2003-09)

• Institutional Sales: Executed institutional sales and relationship-building activities across schools and trade accounts; coordinated with distribution and marketing teams for timely delivery.

Master of Social Work - Social Work - Annamalai University

Bachelor of Arts - Economics - Annamalai University (2000)

Higher Education Diploma - Software Engineering - Aptech Computers