Devan Thambiran

Experience

• 

  ABSA Bank

  Jun 2004 - May 2006

  Business Analyst

  Responsible for the compilation of commercial finance applications to be submitted to the Credit Mandate Holder or Lending Committee. Supported the Relationship Manager in terms of customer relations, signing finance agreements with customers and conducting interviews with customers. Managed the Credit Line facilities and conducted reviews when required. Analysed financial statements and other supporting financial information in the compilation of the finance applications. Liaised with Absa Business Bank Relationship Managers/Business Analysts in respect of Business Bank client applications and to also source leads for asset finance. Show less

• 

  MAN Financial Services/MAN Truck and Bus

  Jun 2006 - Jun 2012

  Business Development Manager

  Ensuring the needs of my current customer base is providedfor timeously and efficiently and in this way I ensure that my relationships with my customers are strong and equally beneficial. Attracting new customers through cold calling and networking. I have developed a very supportive network over the years which provide me with good productive leads. Conducting interviews with new customers. Compiling Credit applications with the support of a Business Analyst which are then presented to either a Credit Mandate Holder or a Lending Committee, depending on the value of the transaction or the exposure of the customer. Conducting annual reviews on existing Credit Line facilities and Floor Plan facilities. Adhering to FICA requirements. Adhering to FAIS requirements. Signing up finance agreements with customers. The proactive selling of Value Added Products to existing and new customers. Entertaining existing and new customers, in this way to help build and strengthen relationships. Assist Risk Management with site visits, locating customers, inspecting assets, assisting with repayment arrangements and arranging for the collecting of assets which are to be repossessed. Show less

• 

  Standard Bank Group

  Jul 2012 - now

  To drive the operational integration of sales directives for Vehicle and Asset Finance (VAF) in the Business unit with optimal achievement of business attraction, retention and expansion targets. To execute the sales plan across segments:- PBB Channel segments- AgriBusiness- Mid-Corporate- Business- Entrepreneur and Lifestyle- Private Banking- Prestige and Middle Market- Dealer and Supplier channelsResponsible for the leadership, growth and development of the sales team in the “non- metro” area. Show less •Execute an effective relationship management strategy in line with overall Business Banking strategy.•Ensure that close personal attention is given to provide a full array of customised financial solutions and services tailored to meet the growth needs and potential of the portfolio.•Grow and retain a portfolio of high value Business Banking relationships by performing a proactive and value adding portfolio management.•Achievement of financial and non-financial targets for the portfolio.•Perform customer value chain analysis (CVCA) to gain an in-depth understanding of the customer’s business and identify opportunities linked to the strategies of the customer’s business.•Conduct an annual customer review to deepen the understanding of the customer’s business.•Execute the Business Banking Customer Value Proposition (CVP), Industry Value Propositions (IVPs) and other agreed initiatives.•Implements a Customer Relationship Management (CRM) strategy to ensure regular contact of all Business Banking customers in the portfolio as per the customer value proposition (CVP).•Meet and exceed Business Banking customer service expectations by effectively managing queries and providing customer feedback.•Monitors and manages (in collaboration with internal business partners) the delivery of service in line with service level agreements, standards and turnaround times within the Business Centre.•Ensures an effective customer on-boarding process.•Executes sales growth tactics and targets in collaboration with business partners .•Responsible for maintaining a healthy link between the Balance Sheet and Income Statement through managing the margins at which facilities are made available to clients in the portfolio•Responsible for the achievement of financial budgets for the portfolio through optimal growth of balances, margin management and revenue streams. Show less Developing a new strategy by Standard Bank Vehicle and Asset Finance which is focused on Commercial Supplier/Dealer market. I have been an integral part of laying the foundation within the KZN, which was tasked as the pilot for this National strategy. I have been involved in the developing of business relationships and ensuring Standard Bank has a competitive offering to the supplier/dealer market. I have worked hard to strengthen relationships with F&I Business Managers, Sales Managers and Sales People by providing quick and efficient service. With the knowledge and experience I have gained over the years being responsible for suppliers/dealers, this has given me the tools to understand their business and in this way ensure that I provide them with the appropriate service at all times. I have been tasked to create new relationships within the market and in this way growing and developing the database. I have been responsible for creating the appropriate documents which aid us in providing reports to Senior Management and at the same time serving as personal management tools for a Portfolio Managers. Adhering to FICA requirements. Adhering to FAIS requirements. Signing up finance agreements with customers. Entertaining existing and new suppliers/dealers, in this way to help build and strengthen relationships. The proactive selling of Non-Funded Income Products to existing and new customers sourced from the supplier/dealer market as well as customer base. Show less

  • Manager: (Regional) Sales - Vehicle and Asset Finance

    Aug 2014 - now

  • Account Executive

    Jun 2013 - Aug 2014

  • Manager - Portfolio Sales

    Jul 2012 - Jun 2013