KIRAN K

Role:
• Responsible for new contractor acquisition & retention.
• Leading team of estimator for generating competitive quotations for tender, various Aluminium & glass related works.
• Responsible for overall debt collection & maintaining key debtor – creditor relationship. Due follow up & liaison with debtors as per payment terms & conditions.
• Liaison with key suppliers & manufacturer for Aluminium & Glass products. Ensure shipment of raw-materials to construction sites are adhered as per TAT.
• Possess Oman Driver’s license.
• Liaison with purchase & quantity surveyor departments of contracting companies to get price and contracts approved. Coordinated various duties, including schedules, payments and allocations between multiple stakeholders while effectively monitoring 200 customer accounts.

Noteworthy achievements:

• The Total of USD 2.4 Million of receivables was successful in recovering USD 1.7 Million within a span of 6 month.
• Signed up new contracts worth approx USD 1.1 Million . Year on Year increase of 2.3% in new contacts.

Role:
• Effectively signed various new projects for the network expansion with various government, corporate & retail organizations at South India market in accordance with guidelines laid downs by Reserve bank of India.
• Leading, developing and restructuring products such as business loans, remittance, general insurance (Health, Motor & GMC), life insurance, merchant acquiring, payments, corporate prepaid cards & developing strategy.
• Adhering to Central Bank guidelines in money transfer services, AML, KYC & Financial fraud.
• Substantially augmented revenue, network with industry contacts and negotiated deals.
• Established correct base rate for the key corridors globally.
• Introduced Dynamic Forex Flexibility in South India to bring more business for the company.
• Initiated & launched the Ramadan various CSR activities .
Noteworthy achievements:
Remittances:
• Remittance -Within a span of 3 month since inception, was successful in achieving milestone of attaining the 2nd rank in Karnataka in terms highest transactions. Likewise attained 2nd Rank in Kerala, Telangana/Andhra Pradesh & Tamil Nadu market.
• Attained a market share of 24%, 14%, 24% & 18% at Karnataka, Kerala, Tamil Nadu, and Telangana/Andhra Pradesh.
Business Loans :
• At YouFirst, had partnered with HDFC Bank & Kotak Mahindra Bank for the distribution of business loans. Our average monthly disbursement was INR Three crore a month.
Prepaid Cards:
• At YouFirst had partnered with leading banks and card network (Visa/MasterCard/Rupay) to issue Multipurpose Re-loadable Prepaid Cards to its customers and under-banked population across its distribution network. Prepaid Cards are powered by Visa & Rupay network offering wide acceptance across merchant stores and ATMs spread across the country.
• At inception, we were involved in the product design, process execution, marketing & sales strategy. Our clientele base includes state government institution like KPCTL, BWSSB, BBMP & Karnataka State beverage corporation Ltd & MNC’s like Google, IBM etc.
• Post demonetization, we as principal agents of WUMTS, where the only players in the market to effectively convert WUMT cash to cash payment to cash to card module within a short span of time. This has resulted in franchisee’s to retain their top line business. We were also involved with the regulators for the smooth launch of prepaid card product.
Insurance :
• At YouFirst, we have partnered with various Life & Non insurance companies as a sub broker. We had specialized in Health, Motor, Group med claim & Traditional life insurance plans.
• Our average monthly sale is approx. INR 8 Million per month through our Branches, Franchisee & Direct sales team.

Role:
• Handling 12 Direct-selling agents who generate and fulfil leads for both personal loan and business loan.
• Ensuring the timely release of the monthly pay-out of the Direct-selling agents.
Noteworthy achievements:
• Em paneled Biggest Agents from major banks.
• Ensuring cross sell of loan insurance of SBI Life insurance to at least 20% of the total numbers done month on month. Ensuring a cross sell of TATA AIG Life Insurance of at least INR 200,000 per month.
• Ensuring average IRR of 19% and a processing fee of 2%.
• Relationship management – Frequent visit to the channels for conducting training and improving the number of lead generation.

Role:
• Handling Bangalore city for Retail Property services which is the Real- Estate division of ICICI Bank Ltd.
• Handling a Team of Four Team Managers who in turn handles a team of Forty Property Consultants.
• Handing Sales& Marketing of Residential Apartments, Villas, Independent Houses, and Rental & Leasing office spaces for Corporate and Individuals.
• Major responsibility lies in establishing relationship with various Builders and Property Developers across Bangalore for the purpose of promoting their respective projects.
• Handling and servicing bank customers who are interested in buying residential properties. Creating a value added service to the Bank Customers by allotting free service in locating the required property. We in turn generate our revenue by charging the builders for units sold.
• Working in sync with other various divisions like International Banking Group, Private Banking Group, Home Loans Group, and Salary accounts group in handling the respective clients in locating their preferred properties.
• Organizing Property shows in India and Overseas for NRI Customers.

Noteworthy achievements:
• We were successful in maintaining two X productivity of each employee.
• We maintained a benchmark of two% mark up for each deal executed.
• Maintained consistency in revenue.

Role:
• Responsible for handling the Loans against property business
• To develop a distribution and marketing channel in terms of recruitment of Direct Sales Agents
• Leading a team of Two Relationship Managers who in turn handle a team of 20 sales executives and 5 tele-callers
• Provide inputs to the direct sales team in terms of planning, implementation and review.
• To develop, implement and monitor the sales plan for the team on monthly basis
• Providing training inputs to the team on various aspects such as Product, Selling Skills, motivational skills, presentation skills.

Noteworthy achievements:
• We were the early entrants from private sector to break into most conservative markets which were dominated by PSB’s.
• In the first month, we had disbursed INR 2 Million at 17% IRR. We were successful in reaching a benchmark of INR 7 Million within 6 Months.

Role:
• Handling the distribution of Life insurance products through banking channel. Handled the Canara bank relationship for rest of Karnataka region.
• Liaison with the Bank official at various levels for tapping the bank customers in the distribution of Life insurance products. Maintaining a monthly MIS for the various bank managers, DGM, Circle heads & GM’s.
• Conducting customer meets at various rural branches.
Noteworthy achievements:
• We were successful in activating 90% of all branches to cross sell Life insurance products.
• Maintained 65% consistency ratio in renewals.

Role:
• Setting up of the operations for ICICI Lombard in Rest of Karnataka region
• To build a Distribution and Marketing Channel for Overseas Medi-claim products & Health Insurance.
• Recruiting of Travel Agents to market and promote the products of the company
• Develop the partner channel for insurance cross- sell at the location and the catchments area around
Noteworthy achievements:
• Established a robust & effective franchisee across coastal Karnataka

Role:
• Responsible for new customer acquisition. Key products were Savings & Current account. Fixed & Recurring deposit.
• Expanded the clientele base through massive BTL & ATL activities.
• Achievement was setting an active customer base.
• Successful in acquiring client to open up to new generation banking in a conservative city like Mangalore as the same is hub of four major public sector banks like Canara bank, Syndicate Bank & Corporation Bank.