KARTHIKEYAN M S

Email: karthiksiva18@gmail.com Ph: (M) +91-99 40 512480

To grow professionally and technically contributing to Company’s growth

Meticulous and highly accomplished professional result oriented decisive leader to maintain high quality standards to meet
challenges of this fast-paced, high-turn over industry.

 Persuasive communicator with an ability to relate people at different levels of management

 Possessing valuable insights, keen analysis and team approach to implement best practice to achieve business excellence
 Adapt at working in high pressure environments with strict deadlines and multiple deliverables

CORE COMPETENCIES

 People Management  Decision Making Skills

 Time Management  Creative
 Training and Mentoring  Coordination

PROFESSIONAL EXPERIENCE

HDB FINANCIAL SERVICES (Jun 2016 - Till

Now)

Cluster Manager - Sales Finance

Location: Chennai

Roles & Responsibility:

 Design and implement various Sales strategy to enhance productivity

 Budget/target achievement of assigned targets and generating revenue for the organization through Sales and
Distribution of Consumer product Loans for each active location.
 Translate the annual sales plan into quarterly and monthly, weekly operational plans and developed area scales, sales
target and volume goals for each product in consultation with management.
 Expand the product offering through the vertical & distribution network. Implement programs and processes to track
product locations/ area performance on multiple parameter.
 Enable business growth by developing and managing a team of ASM, TSM, SM and FOS across the geography for deeper
market and reach.
 Ensure high level of customer service orientation and maintaining healthy business standards.

CAREER HIGHLIGHTS - SALES - HDB FINANCIAL SERVICES (Aug 2016 Till Now)

 Successfully launched Sales Finance product in Chennai in Aug 2016

 Major Key Account Dealer - Vasanth, Sathya, Poorvika Mobiles tied up within the first month of the product launch and
managing the complete relationship for Tamil Nadu Key Account Dealers - Poorvika Mobiles, Vasanth & Co, Sathya,
Darling Digital
 Handled NLFR Business for 2 Years and achieved all time high numbers by disbursing 25K Volume in Diwali 2019 from
Reliance Digital.
 Scaled upto 20 Locations in North Tamil Nadu with a team size of 500 resources
 Had been instrumental in merging CDL/DPL teams in Chennai to enhance the productivity in times of Covid - 19.
 Achieved various awards during the tenure in the organization on Business and Cross Products.
 Successful streamline Collection performance in Tamil Nadu post Covid -19, Portfolio moved to Green Rank with day to
day follow up with In house Collection team.
BAJAJ FINSERV (Sep 2015 - Jun
2016)

Area Manager – RCU, Risk.

Location: Tamil Nadu, India

Roles & Responsibility:

Own all RCU activities - pre and post sourcing for all products, in Tamil Nadu region across all locations.

 Minimizing fraud losses to ensure robust portfolio health.

 Managing and supporting effective deployment of RCU officers.
 Conducting extensive nonstarter investigations through location fraud management teams to reduce fraud rates.
 Effectively engage with operations, collections and sales teams to contribute towards overall reduction in fraud loss,
across locations in the region.
 Proactively identifying fraud trends and taking effective corrective measures. Also continuously engaging with key
location teams and central team to identify process improvement opportunities.
 Engaging with location fraud management officers in cracking fraud gangs. This will involve working closely with law
enforcement agency and lawyers.
 Provide regular feedback to central policy team basis field learning’s.
 Identifying the training needs of all front end sales staff by analyzing the changes in fraud trends. Ensuring the training
is done in timely manner.
 Co-coordinating mystery shopping and seeding activities on dealers, agencies and executives to minimize frauds.
 MIS with suitable analysis, providing meaningful insights.
 Achieving & exceeding goals and targets.
 Grooming and management of the team to achieve their respective targets.
 Ensuring highest levels of employee relationship, motivation & engagement to drive results & high levels of employee
satisfaction.

BAJAJ FINSERV (May-2014 till Aug-

2015)

Sales Manager – Sales Finance, Consumer Durable

Location: Chennai Area, India

Roles & Responsibility:

 Selling Consumer Durable loans at specific Dealer counters in Chennai.

 Achieving & exceeding Business goals and targets.
 Achieving cross selling targets with respect to Insurance, Extended Warranty and EMI Cards.
 Creating a strong & compliant sales culture to drive acquisitions, profitability and employee development.
 Ensuring Smooth flow of relationship between Dealers & Customers.
 Managing and supporting the effective deployment of team of sales professionals with respect to the geographical
area and in allocating resources to most profitable opportunities.
 Handling and guiding a team of 20 members in achieving sales targets.
 Identifying the need of sales training, analyzing changing market trends, channel deployment etc. Also giving feedback
& suggestions to the ASM.
 Recruiting and Retaining high performers.
 Ensure implementation of promotional plans & contests.
 Maintaining healthy business portfolio by avoiding frauds and FPD, SPD, TPD.
 Making sure loans are getting disbursed at minimum TAT.
 Effectively engage Operations & Risk teams to understand and contribute to overall processes.
  Managing the Delinquency of the business sourced to ensure health of portfolio.

BAJAJ FINSERV (Apr-2012 to Apr-

2014)

Assistant Sales Manager – Sales Finance, Consumer Durable

Location: Chennai Area, India

CAREER HIGHLIGHTS - BAJAJ FINSERV

1. New ideas implements with my client India’s Leading retailer Viveks Limited (Feb-2015 to Aug-
2015)
 Delivered highest ever numbers during Viveks Expo in Chennai Trade Centre
 First time Viveks Limited did Finance fest for 9 days and advertised Bajaj Finserv offers in all print media.
 Encouraged Viveks to do Ware house sale promotion and delivered huge numbers with 60% Finance
Penetration.
 Won the Summer Contest and part of Top Best Sales Manager Ranking

2. Business Performance with Reliance Digital (Apr-2012 to Jan-

2015)
 Ranked No.1 fastest growing Sales Manager in Pan India with 190% growth.
 Solely responsible by handling Reliance Digital from 3 counters (2012) to 20 counters (2015) in Chennai
 Directly contacted Reliance Digital product head and got approved to conduct First time ever Finance Fest in
Chennai
 Introduced Bajaj Finserv Kiosk during the period – Received HOM award (Hero of the Moment)
 Introduced co-branded 3D lighting Arch during the period – Only Sales Manager in Pan India by receiving
Second time HOM award (Hero of the Moment)

3. Effectively handled my client team Shahs (Apr-2012 to Sep-

2013)
 Increase the growth from 19% to 56% during the period of my handling Shahs
 Increased the finance penetration from 16% to 31%
 First time ever I have made the dealer to Advertise Bajaj Finserv Emi Schemes in Print media.
 Timely received NOC from the dealer and maintain Zero Outstanding during the period.

CAREER HIGHLIGHTS - RCU, RISK (Sep-2015 till

Present)

 Increased fraud savings triple time for entire TN – Delivered 1.5 Crore fraud savings Month on Month from
September 2015.
 Busted fraud racket by arresting Gang frauds in Chennai.
 Arrested Anbalagan & Kathiravan gang fraudster at Chennai Washermenpet in the month of Nov &
recovered 4.5 Lakhs cash & 1.8 Lakhs worth 4 LED, Sent the fraudster to prison.
 Arrested Manish fraudster at Chennai MGR nagar in the month of January, Sent the fraudster to prison.
 Removed 9 FOS from the system for Violating company policy and found their involvement in market
frauds.
 Arrested Saravana Kumar fraudster at Chennai Tambaram & recovered 50 thousand worth amount.
 Delisted Madurai digital dealer found out dealer involved in over invoicing malpractice.
 In the month of December, Recovered 7.5 Lakhs worth amount from the fraudster Meenakshi Sundaram in
Madurai.
 Recovered 8 LED’s from Nagercoil market brokers in the month of Feb 2016.

Most recognised award received in Bajaj Finserv

 HOM Award – Dec 2014

 HOM Award – Sep 2013
 Sprinter Award – July 2014
  Best Performing Sales Manager – Summit – (Apr 2014 to Sep 2014)
 Lakshya Award – Jan 2014 – Hongkong & Macua
 Lakshya Award – Jan 2013 – Bangkok, Thailand
 Summer Contest Winner – Apr to Jun 2015 – Prague, Czech Republic
 Summer Contest Winner – Apr to Jun 2014 – Langkawi, Malaysia
 Summer Contest Winner – Apr to Jun 2013 – Johaneshburg, South Africa
 Diwali Contest Winner – Oct to Dec 2014 – Phillipines, Indonasia

ACADEMIC QUALIFICATIONS

MBA in Marketing & Finance from SRM UNIVERSITY- Chennai - 2010 to 2012
B.Com in Gurunanak college, Chennai - 2007 to 2010

Academic Achievements:
 Won 2nd prize in “Business Plan” at Titans-2011 a national level management meet hosted by Chaitanya School
of management, Vishakapatnam.

Additional Qualification:
 Have completed Basic and Advanced certificate program in IFRS from Deloitte - Haskin & Sells at Everonn
Education Institution

Industrial Training:
 Undergone two months’ project training on inventory management at Lucas-TVS LTD, Padi, Chennai from 15 th
June 2011 to 14th July 2011.

BEYOND ACADEMICS

 Participated in Debate competition on Narcotics Control Bureau Silver Jubilee, Central Zone Unit Chennai.
 Attended International conference “CHASING DREAMS” conducted by Rotaract Club and actively participated in
Rotaract club activities during my Under graduation.
 Functioned as Event Coordinator in “COMMUNE 2011” - A national level management and Event Coordinator in
“I-SAGE 2010” - A national level marketing meet.

PERSONAL DETAILS

Personal Data

Gender : Male

Nationality : Indian

Languages Known : English & Tamil

Marital Status : Married

Passport No : H4779450

Hobbies : Playing Cricket, listening music and Travelling.

Address : E-47, LIG FLATS, 7TH AVENUE, ASHOK NAGAR, CHENNAI - 600083
----------------------------
(Karthikeyan M S)