SIVASANTHOSH S
RELATIONSHIP MANAGER
Salem
Summary
Dynamic and results-driven professional with two years of diverse experience in marketing, sales, business development, credit assessment, credit underwriting, and DSA handling. Proven success in sourcing business through various market channels, demonstrating a strong ability to drive growth and enhance profitability. Eager to leverage expertise in a challenging role within a growth-oriented institution, contributing to innovative strategies and achieving organizational goals.
Overview
2
2
years of professional experience
2
2
Certifications
2
2
Languages
Work History
Relationship Manager - Affordable HL
HOMEFIRST FINANCE COMPANY INDIA LTD
02.2024 - Current
- Two years of experience in marketing, sales, business development, credit assessment, and DSA handling.
- I am responsible for marketing, sales, business development, credit assessment, and collections for affordable HL and LAP products.
- Managed a network of over 10 active Direct Selling Agents (DSAs).
- Trained DSAs on product knowledge, eligibility criteria, and documentation process to improve lead quality.
- Analyze customer creditworthiness through financial statements, CIBIL reports, income documents, and risk assessment to minimize delinquency.
- Credit underwriting is part of the process, and maintaining a less than 1% bounce rate consistently for the past two years.
- Verify legal and technical documents for housing loan proposals, ensuring compliance with company policies and regulatory norms.
- Coordinated with legal and technical vendors for property opinion reports, title clearance, and valuation reports.
- Reviewed property documents, such as sale deeds, settlement deeds, and ECs, for eligibility and ownership validation.
- Collection management involves handling both soft and hard bucket cases with effective recovery strategies.
- Performed KYC verification for loan applicants, assisted in basic branch operations, coordinated eSign processing, and handled eNACH registration.
INTERNSHIP
HOMEFIRST FINANCE COMPANY INDIA LTD
10.2023 - 01.2024
- Focused internship on 'Affordable Housing Loan'.
- As an intern, part of the sales team. I assist the manager and senior staff by performing administrative and entry-level duties to gain experience.
- Implementing sales activities to generate leads.
Education
Master of Business Administration - Finance
Jansons School of Business
Coimbatore, India05-2024
Bachelor of Computer Science And Applications - Computer Science
Sri Krishna Arts And Science College
Coimbatore, India 04.2001 -
Skills
- Credit Assessment and Risk Management
- Credit underwriting
- Strong Marketing Skills & Sales Planning
- Verifying Legal and Technical
- KYC, Branch operations, Esign, ENach
Certification
Marketing, Credit Concepts, Collection Concepts, and Branch Process
Timeline
Relationship Manager - Affordable HL
HOMEFIRST FINANCE COMPANY INDIA LTD
02.2024 - Current
INTERNSHIP
HOMEFIRST FINANCE COMPANY INDIA LTD
10.2023 - 01.2024
Bachelor of Computer Science And Applications - Computer Science
Sri Krishna Arts And Science College
04.2001 -
Master of Business Administration - Finance
Jansons School of Business