Summary
Overview
Work History
Education
Skills
Careerobjective
Personal Information
Timeline
Generic
B.KISHORE KUMAR

B.KISHORE KUMAR

Banking & Financial Services
Chennai

Summary

Diligent Senior Product Manager offering 10 years of success in product roadmap development, market research and data analysis. Highly skilled in identifying opportunities to maximize revenue. Driven and strategic with proven history of superior market penetration and product launch.

Overview

19
19
years of professional experience
3
3
Languages

Work History

Head of Products

Dvara KGFS
1 2019 - Current
  • Develop new Products in line with the market opportunity and potential to service the customers in Rural market
  • Develop competitive & scalable products like Business loan (Secured / Unsecured), Home Improvement loan, Consumer Durable loans, BNPL, Cattle loans & Various digitally fulfilled Pre-approved loans
  • Provide user friendly digital solution to on-field sales team to reduce TAT and better customer experience
  • Co-ordinate with in-house IT team to automate the repetitive tasks
  • Develop new strategies to increase Business volume and thereby AUM as below Develop and launch Pre-approved loans of entire product range enabling the loyal customers to avail best offers as and when required Design and launch contests based on incremental revenue generated through contests without impacting the cost to income ratio of the product and create momentum
  • Support sales, credit team & Operations team on training and resolve product related issues
  • Manage overall product profitability and quality of the portfolio
  • Highlight productivity gaps across SBU and ensure the employees are trained and assisted in bridging the Gap
  • Collaborated with sales and marketing teams to develop go-to-market strategies that maximized revenue potential.
  • Conducted market research to identify new opportunities for growth, leading to the introduction of successful new products.
  • Regularly reviewed competitor offerings to ensure our products remained at the forefront of industry trends and innovations.
  • Developed comprehensive roadmaps to guide product development from ideation to launch, ensuring timely delivery.
  • Introduced automation tools into the workflow that increased efficiency within the product management team significantly.
  • Built strong relationships with key stakeholders across departments, enhancing collaboration on critical projects.
  • Established clear product vision and strategy, aligning business goals with customer needs.
  • Analyzed metrics to measure product performance.
  • Reviewed sales, customer concerns, and new opportunities to drive business strategy at weekly planning sessions.

Territory Manager - Business Loan

Dvara KGFS
01.2019 - 03.2022
  • Driving sales across 150 branches in Tamilnadu for “Micro enterprise loan” - diversifying the portfolio from group loan to Non group Individual Loans Identify prospects and underwrite loans based on their cash flow, sales/purchase value before moving the file to credit team
  • Hire and train staff for this product offering ranges from Rs.50k- Rs.500k More focus on Semi urban & Urban market and working towards expanding our business loan portfolio through 53 exclusive resources reporting to me
  • Identify potential existing customers from primary data and increase the wallet share by offering business loans
  • Graduate Group loan customers to Individual loans as per customers repayment track
  • Also, as a step towards funding growing FPO, I was working with NGOs like Seeds in Virduhunagar, Aindhinai in Musiri
  • Have met several FPO to identify their requirements in expanding their reach to serve the underprivileged farmers.
  • Handled customer relations issues, enabling quick resolution, and client satisfaction.
  • Resolved customer issues quickly to close deals and boost client satisfaction.
  • Increased sales revenue by developing and implementing effective sales strategies.
  • Led a successful sales team by providing motivational coaching and performance-based incentives.
  • Coached employees in successful selling methods and encouraged cross-selling to drive revenue.

Associate Vice President – Head of Business planning & Analytics

Fullerton India Housing Finance Company – Grihasakthi
11.2018 - 01.2019
  • Was handling financial reporting & analytics for the period of 3 months
  • Involves Business planning activities like forecasting of business revenue, expenses, P&L and weekly / monthly reporting Do business profitability analysis and identify areas of improvement like risk based pricing, Expense analysis, spread analysis and delinquency management.

Strategy Manager – Business Process Development & Business Manager for Micro enterprise loan

IFMR Rural Channels & Services
08.2015 - 11.2018
  • Was handling new business development of Micro enterprise loans, which was a new venture focusing on Small and medium enterprises at Tier II cities and Tier III cities
  • Was heading a project in Financial inclusion, digitalization & sales management to build a strategic business model for the unit This model focuses to completely revamp the current business model to offer suite of products in the remote rural villages This new model focuses on changing the branch structure, business model & diversification of portfolio by increasing focus on Individual loan products Focuses on cross selling of third party products Rebuild the brand image in the society by conducting various on field activities Helping IFMR to implement this model across all SBU Renewed focus on customer centricity and the wealth management approach by equipping branch staff to deliver the entire suite of Asset and liability products Hire and train staffs to drive this change across all levels Drive branches to conduct various business development activities to increase productivity Monitor Business numbers and employee productivity without compromising on portfolio quality Driving digitalization project - The tablet based loan sourcing and servicing of customers at their door step

Head of Business Planning & Product manager

Fullerton India Credit company ltd
10.2010 - 08.2015
  • Was part of Rs.2000 crore rural business spanning across 165 branches in 2015 Create new products and manage Product profitability of Group loans, Two Wheeler, Personal loans and mortgage products
  • Prepare annual operating Plan & Forecasting of business revenue, expenses, P&L and other financial & non-financial activities from branch level to business level
  • Gap analysis of various income and expense heads against AOP (Annual Operating Plan) & prepare revised forecast according to latest business performance
  • Responsible to keep cost under control Publish daily report to the entire business team on day to day performance against the monthly target
  • Submit monthly reports to the top management on business performance to highlight achievements, improvements and concern areas
  • Track branch performance and their productivity
  • Send out reports to sales managers on best and worst performing branches interms of revenue, expenses, cost to income, branch break even details etc
  • Prepare review presentation on business performance – presented to board and leadership team members of the company
  • Scenario analysis and its effects on budgeting
  • Prepare risk review deck on Roll rate and Cohort analysis at product level & state level
  • Headcount management & analysis
  • Manage products maintenance, system developments and help branches to resolve system related issues
  • Prepare project approval request on branch network expansion to be approved by various departments heads and CEO of FICCL Automation of various MIS to have real time business status by creating SMS alerts
  • Broad understanding of Indian Micro finance business operations, scope and opportunities available

Channel Development Manager, SME Banking

Standard Chartered Bank
01.2007 - 08.2010
  • Tracking Weekly & Monthly performance of the entire sales force Ensure timely submission of required MIS and Key Performance Indicators
  • Business achievements
  • Track the productivity and revenue of each and every productive resource
  • Responsible for channel management of Small and Medium enterprises loans To monitor the product per customer (PPC / Cross sell initiative) at RM level as a part of cross selling program
  • Score card modeling for our sales team
  • Target setting and payout simulations to ensure the cost is under control
  • Responsible for payment of Monthly Incentive to the entire sales force Motivate sales team by launching of contests as and when required
  • Managing the PSL assets of entire SME
  • Manage our income lines and ensure that all our strategies are followed by all channels
  • Ensure there is no revenue leakage in the system
  • Assisting Business Head on monthly Business Performance Presentations.

Asst. Product Manager - Personal Banking

IDBI Bank Ltd
05.2005 - 01.2007
  • Thorough knowledge of retail banking operations, products, service and core banking software
  • Handling entire personal banking product related queries from the branches Assisting the Product manager in developing new products and instrumental in launching IDBI Suvidha Tax savings Fixed Deposit scheme, Suvidha plus Fixed deposit and Suvidha Recurring deposit Instrumental in designing the Asset Liability Committee report on performance of IDBI Bank Suvidha Fixed deposit to be submitted to the Chairman
  • Experience in designing the Product Specific campaigns and customization of products
  • Ensure the system support at all point in time to manage our Income lines Responsible for maintaining the whole personal banking MIS like product profitability, performance of different products of Personal banking
  • Handling training Programs on Personal Banking Products
  • Recommend fee income waiver request from customers to product head based cost to income ratio.

Education

MBA - Finance

Bharathidasan Institute of Managment
Trichy
04.2001 -

Bachelor of Engineering - Electrical, Electronics Engineering Technologies

Anjalaiammal College of Engineering
Thiruvarur, India
04.2001 -

Diploma in Electrical And Electronics Engineering - Electrical, Electronics Engineering Technologies

Seshasayee Institute of Technology
Trichy
04.2001 -

Skills

Product analytics

Design thinking

Product Roadmapping

Product Portfolio Management

Product compliance

Product Training

Product Retention Strategies

Careerobjective

To learn, perform and excel in a competitive environment by contributing to the growth of the organization., Like to be involved in the strategic decision making of the organization.

Personal Information

  • Date of Birth: 01/07/81
  • Marital Status: Married

Timeline

Territory Manager - Business Loan

Dvara KGFS
01.2019 - 03.2022

Associate Vice President – Head of Business planning & Analytics

Fullerton India Housing Finance Company – Grihasakthi
11.2018 - 01.2019

Strategy Manager – Business Process Development & Business Manager for Micro enterprise loan

IFMR Rural Channels & Services
08.2015 - 11.2018

Head of Business Planning & Product manager

Fullerton India Credit company ltd
10.2010 - 08.2015

Channel Development Manager, SME Banking

Standard Chartered Bank
01.2007 - 08.2010

Asst. Product Manager - Personal Banking

IDBI Bank Ltd
05.2005 - 01.2007

MBA - Finance

Bharathidasan Institute of Managment
04.2001 -

Bachelor of Engineering - Electrical, Electronics Engineering Technologies

Anjalaiammal College of Engineering
04.2001 -

Diploma in Electrical And Electronics Engineering - Electrical, Electronics Engineering Technologies

Seshasayee Institute of Technology
04.2001 -

Head of Products

Dvara KGFS
1 2019 - Current
B.KISHORE KUMARBanking & Financial Services