Shrinivas Kulagod

Experience

• 

  AYM Syntex Limited (Formerly known as Welspun Syntex)

  Apr 2015 - Jun 2015

  Internship
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  Bajaj Finserv

  Mar 2016 - Jul 2019

  Duties and Responsibilities : 1) Managing team of 14 Managers & multiple distributors. 2) Generate sales business for Salaried Loans, Insurance ( GI & HI), EMI cards and Co-brand Credit cards.3) Collection responsibility.4) Ensure productivity of ASM , SMs & FOS through direct and indirect business.5) Local knowledge of the market, competition and industry.6) Managing 30+ financial Channel Partner (DSAs).7) Conduct periodic training handhold sales team to meet their monthly target.8) Achieve overall growth of business by driving sales and profitability with focus on improving productivity.9) Consolidate the sales strategy of the company with an in-depth understanding of the market dynamics. Business Development:1) Drive the sales and business development efforts of Salaried Loans.2) Competitive Assessment -The individual should exhibit in-depth understanding of competitive landscape and possess strong hold on changing market dynamics.3) The individual will provide necessary update and feedback to sales teams to achieve the desired business objective. Team Management:1)The incumbent will measure productivity and efficiency level of sales team closely and initiate corrective action to increase revenue per employee. Business Review & Reporting:1) The individual will conduct regular reviews with team to ensure sales strategies are well executed.2) Responsible for managing the Volumes of business targets Plan location wise outdoor sales in prime location & conduct customer campaign for generation of enquiries from new to BFL customers.3) Resolve customer escalations / queries in specified TAT in coordination with regional / central operations / customer service / product team. Show less Duties and Responsibilities : 1) Managing Inbound and Outbound Campaigns for Sal PL Prime Call Centres.2) Managing Inbound lead flows of CIBIL Watch.3) Ideate and conceptualize solutions based on business problems at hand and data sources available.4) Achieving feed targets and managing campaign waterfall metrics.5) Liase with COE and Marketing to execute campaigns.6) Monitor & measure key conversion ,productivity & data penetration metrics.7) Ensure implementation of promotional plans & contests and suggesting new and innovating promotion plan for the area of work.8) Process related MIS to be shared with team members.9) Ensure implementation of promotional plans & contests and suggesting new and innovating promotion plan for the area of work.10) Identifying the need of sales training, analysing changing market trends, channel development etc. Also giving feedback & suggestions to the senior management. Show less

  • Senior Area Sales Manager

    Sept 2018 - Jul 2019

  • Area Sales Manager

    Aug 2017 - Aug 2018

  • Sales Manager

    Mar 2016 - Aug 2017
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  RattanIndia Finance Private Limited

  Jul 2019 - May 2020

  Area Sales Manager

  Duties and Responsibilities : 1) Achieving & exceeding Business goals and targets for Unsecured loans.2) Creating a strong & compliant sales culture to drive acquisitions, profitability and employee development.3) Managing and supporting the effective deployment of team of sales professionals with respect to the geographical area, exploring new markets and in allocating resources to most profitable opportunities.4) Identifying the need of sales training, analyzing changing market trends, channel deployment etc. Also giving feedback & suggestions to the AVP/BH.5) Ensure implementation of promotional plans & contests and suggesting new and innovating promotion plan for the area of work.6) Recruiting and Retaining high performers.7) Ensuring highest levels of employee relationship, motivation & engagement to drive results & high levels of employee satisfaction.8) Effectively engage Operations & Risk teams to understand and contribute to overall processes & Profitability across locations.9) Team management & Grooming of the team to achieve their respective targets.10) Managing the Delinquency of the business sourced to ensure health of portfolio.11) Ensure 100% Collections. Show less

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  Bajaj Finserv

  May 2020 - Jun 2023

  Duties and Responsibilities :1)Responsible for Monthly Management Reporting with detailed Variance analysis to the Top Management of the company including Segmental Profitability Reporting & Variance Analysis within 2 working days to drive optimal decisions & superior performance.2)Preparation of Monthly Management reporting (Monthly financial trackers) with ratio analysis for decision making for top management.3)Support businesses with next month financial forecasts for presentation to top management & inclusion in their monthly decks.4)Help each business & support functions track their budget v/s actuals on a monthly basis.5)Preparation of Annual Operating Plan (AOP),Preparation of Half Yearly Reforecasts of the budgets.6)Continuous engagement with all business teams; assist in new business simulations forecasting based on changed business environment / dynamics.7)Preparation of Board Presentations on quarterly basis.Provide Auditors with various variance analysis and details as required during the quarter and year end audits.8)Ensure monthly reconciliation of Management accounts and Financial Accounts.9)Manage and monitor product wise business plans – Portfolio mix, volumes, Revenue, Fees, Cost of funds, Opex, NPA loans provisions and all related metrics.10)Ability to manage multiple tasks concurrently including projects of medium to high complexity.11)Conducting meticulous scoping planning and timing of projects.12)Oversee the entire delivery and execution process ensuring and facilitating effective team communication and collaboration.13)Fulfil document requirements & technical design between various internal & external team.14)Able to seek out new problems then develop & implement solutions a strong sense of ownership.15)Carry out risk assessment Coordinate & communicate feature releases in partnership with Product Business & Cross functions.16)Evaluate and improve delivery practices and techniques. Show less Duties and Responsibilities:A. Sales1) Achieving business and cross sell numbers.2) Understanding of customer segmentation and drive value proposition to the target segment.3) Effectively selling our products and meeting service requirements.4) Micro level tracking matrices which includes WIRR, WPF, cross sell ,FOS productivity, SM & ASM productivity.5) B2C and DSA channels delivery of numbers.B. Channel Development1) Identifying & Empanelment of new channels which fits into company requirements.2)Build a robust distribution network.3)Build innovative & alternative distribution channels.4) Effective management of channel partners and ensuring highest level of service delivery.5) Position the organization as preferred financier of the channel partners and customers.C. Portfolio Health1) Owning the health of the portfolio sourced as well as ensuring proper control on delinquency.2) Analysing portfolio performance business sourced by team members and channels to ensure excellent portfolio quality.D. Team Management & Development1) Creating a strong & compliant sales culture across the channel to drive acquisitions.2) Driving team productivity.3) Managing the attraction rate.4) SWOT Analysis.E. Effective Management of sales team in terms of development of sales force.1) Identifying the need of sales training, analyzing channel market trends, channel development etc. also giving the feedback & suggestions to the SMT to deliver better products in marketplace.2) Ensuring highest level of employee relationship, motivation & engagement to drive result & high level of employee satisfaction.3) Effectively engage operations & risk team to understand & contribute to overall processes & profitability across the locations.F. Digitalization & Fintech To be a fastest processor in the market - End to End hassle free paperless process with the help of couple of softwares & Apps namely as below,Salesforce Sales one App 3 in 1 AppVKYCPerfios Show less Duties and Responsibilities: 1) Responsible for managing growth and profitability of the Salaried Loans Business2) Drive internal customer cross-sell as the most important source of acquisition. 3)Drive low cost acquisitions models to ensure higher profitability of salaried loans segment.4)Conceive and execute key capability building projects and work across functions to ensure delivery of project objectives within set timelines.5)Explore and identify new sourcing avenues and channels to increase business volumes.6)Conduct regular and detailed business reviews with team & Channels to ensure business strategies are executed.7)Responsible for the quality of business acquired/portfolio & work closely with risk & credit teams to take necessary corrective actions.8)Measure productivity and implement training measures to bridge the gap between the actual achievement and the KRAs defined for Team.9)Drive passion to build winning teams.10) Conceptualize and develop marketing initiatives and business development activities to enhance business volumes.11)Initiate process improvement measures to ensure effective cost management in Channel business. 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  • Senior Cluster Manger

    Dec 2022 - Jun 2023

  • Cluster Manager

    Sept 2021 - Dec 2022

  • Senior Area Sales Manager

    May 2020 - Sept 2021
• 

  Lendingkart

  Jun 2023 - now

  Associate Director of Sales

  Zonal Head - South @ Lendingkart - Sales Vertical.Duties and Responsibilities:● Meeting & exceeding business goals/targets in different products ie. Loans & Insurance Bundled/Unbundled through Lead fulfillment & Field Activity.● Creating a strong & compliant sales culture to drive acquisitions profitability and employee development.● Manage control & own all channels businesses (Direct & Indirect Business)● Managing and supporting the effective deployment of team of sales professionals with respect to the geographical area exploring new markets and in allocating resources to most profitable opportunities.● Recruit retain manage & build a productive team.● Maintain delinquency on the portfolio in line with the Product Segment.● Ensuring highest levels of employee relationship motivation & engagement to drive results & high levels of employee satisfaction.● Take Care of customer Escalations and Complaint Х Monitor & measure key conversion productivity & data penetration metrics● Effectively engage with Credit Operations & Risk teams. Show less