KARTHIKEYAN M S
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
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(Karthikeyan M S)
