Ratheesh Parameswaran
Cochin
Summary
Dynamic Banking & Financial Services professional with extensive experience in retail banking and mortgage finance. Demonstrated success in driving revenue growth, enhancing team productivity, and cultivating strategic partnerships across diverse financial institutions. Recognized for effective sales leadership and innovative market expansion strategies.
Overview
21
21
years of professional experience
Work History
Area Sales Manager(VP) : Mortgage Loans
Yes Bank Ltd
04.2024 - Current
- Managing DSA channels and Branch business across Kerala and Rest of Tamil Nadu (ROTN), driving business acquisition, partner productivity, channel expansion and portfolio quality while achieving regional business targets.
- Coordinated with credit, legal, technical, and processing divisions to streamline turnaround times and uphold portfolio quality across branch operations.
Senior Sales Manager - Mortgage Loan
Yes Bank Ltd
08.2019 - 03.2024
- Managed retail banking and mortgage sales operations, resulting in increased adoption of Home Loans and Loan Against Property (LAP).
- Leveraged branch referrals, open-market sourcing, and a network of DSAs, builders, and real estate brokers to enhance sales opportunities.
- Consistently met and exceeded monthly, quarterly, and annual sales goals while safeguarding credit quality.
- Conducted competitor tracking and local market analysis, identifying untapped customer segments for targeted marketing strategies.
Branch Sales Manager - SME Loans
Diwan Housing Finance Limited (DHFL)
08.2017 - 08.2019
- Managed end-to-end sales lifecycle for home loans and LAP across assigned territories, ensuring alignment with market demands.
- Onboarded and managed strategic DSA partners and local builder alliances, enhancing market reach and collaboration.
- Facilitated loan processing from application intake to final disbursement, coordinating with internal credit and technical teams for efficiency.
Sales Manager - Loan Against Property
Hero FinCorp Ltd
08.2016 - 05.2017
- Cultivated relationships with key channel partners and managed referral networks to secure consistent loan application pipeline.
- Developed and maintained a diverse portfolio for Loan Against Property business through direct sourcing and channel partner networks.
- Led sales team to achieve targets and enhance customer engagement.
- Developed strategic sales plans aligned with market trends and company goals.
- Trained and mentored new sales representatives on products and processes.
Sales Manager - Home Loans & LAP
Bajaj Finance Ltd
12.2013 - 07.2016
- Recognized as Top Performer in Mortgage Business for 2 consecutive years.
- Recruited and onboarded high-producing DSA networks, managing performance to enhance direct sales initiatives.
- Coordinated approvals among Legal, Technical, and Credit underwriting teams to streamline mortgage processing.
Marketing & Sales Manager
Synergy Education Services
01.2009 - 10.2013
- Developed marketing strategies to enhance student enrollment and engagement.
- Executed lead generation campaigns, recruited marketing executives, and established strategic partnerships with educational institutions across territory.
- Managed sales team performance through training and coaching initiatives.
- Coordinated promotional events to increase brand awareness within the community.
Sales Manager
Families Hyper Market
Bangalore
11.2007 - 12.2008
- Developed and implemented strategic sales plans for diverse product lines.
- Led sales team to enhance customer engagement and satisfaction.
- Oversaw business development, sales promotions, and customer service initiatives, enhancing customer satisfaction metrics.
- Trained and mentored new sales staff on best practices and company policies.
Business Associate
Reliance PCO
Malappuram
08.2005 - 10.2007
- Managed client communications to ensure service satisfaction and prompt issue resolution.
- Managed customer relationships, resolved queries, and coordinated inter-departmental operations to enhance service delivery.
- Coordinated cross-functional teams to streamline project workflows and enhance collaboration.
- Analyzed market trends to support strategic planning and business development initiatives.
Education
Bachelor of Commerce (B.Com) -
Periyar University
Skills
- Microsoft Excel, Microsoft Word, Microsoft PowerPoint, Tally ERP, CRM Applications, Banking Software Systems
- Sales strategy
- Sales forecasting
- Market analysis
- Revenue growth
Languages
Languages: Malayalam (Native), English, Hindi, Tamil, Kannada, Nationality: Indian, Marital Status: Married
Personal Information
- DOB : 11/3/1985
- Gender : Male
- Nationality: Indian
- Marital Status: Married
CORE COMPETENCIES
- Sales & Business Development
- Sales Management, Regional Growth, Market Expansion, Revenue Generation, Sales Forecasting
- Financial Products
- Mortgage Finance, Home Loans, SME, Loan Against Property (LAP), Retail Banking Products
- Channel & Relationship Management
- DSA Network Sourcing, Builder & Broker Partnering, Customer Acquisition, Cross-Functional Coordination
- Leadership & Operations
- Team Mentorship, Strategic Planning, Portfolio Quality Maintenance, MIS Reporting, Negotiation
Timeline
Area Sales Manager(VP) : Mortgage Loans
Yes Bank Ltd
04.2024 - Current
Senior Sales Manager - Mortgage Loan
Yes Bank Ltd
08.2019 - 03.2024
Branch Sales Manager - SME Loans
Diwan Housing Finance Limited (DHFL)
08.2017 - 08.2019
Sales Manager - Loan Against Property
Hero FinCorp Ltd
08.2016 - 05.2017
Sales Manager - Home Loans & LAP
Bajaj Finance Ltd
12.2013 - 07.2016
Marketing & Sales Manager
Synergy Education Services
01.2009 - 10.2013
Sales Manager
Families Hyper Market
11.2007 - 12.2008
Business Associate
Reliance PCO
08.2005 - 10.2007
Bachelor of Commerce (B.Com) -
Periyar University