Kishore Kumar N

E-Mail: kishore_mba1@yahoo.co.in / kishore.mba1@gmail.com Phone: +91- 9900568603

An Overview

Result-oriented dynamic professional with over 6 years of qualitative experience in the areas of Sales, Product Management and Business Strategy. A proactive leader and implementer with expertise in business plan execution, skills in business development, product development, strategy and analytics. Proven track record of increasing revenues, Creating new products and policies and strategy implementation to increase the business penetration and expanding business volume. Possess excellent communication and relationship management skills with proven abilities in exceeding business expectation consistently across assignments and thereby adding to the revenue growth. Instrumental in Launch of Personal Loans Business at ING Vysya Bank Ltd., India.

Professional Experience

ING Vysya Bank Ltd.,

(March11 Till date)

Product Manager Personal Loans (Consumer Assets)

Key Highlights:

As a Head of Personal Loans Product responsible for overall business at National level. Launch new product offerings basis current market requirement and business opportunity. Portfolio management includes pricing, product mix, product rationalization, product promotion, forecasting, etc Create Business Strategy and regular tracking of key product parameters for business expansion. Managing marketing functions like product planning, product positioning, media planning, promotional material planning, etc., for business development. Define Product process in-consultation with cross functional team and ensure Sales, Underwriting, Operations and Collections team follow the same for customer delight. Analyze product performance and conduct portfolio analytics to recommend key changes in policy / process. Manage end-to-end product by ensuring offering is benchmarked with current market trends. Liasioning with Risk, Audit, Compliance, Operations, IT & Marketing to ensure smooth end-to-end process. Manage profitability of the product and ensure cost-control across channels. Regular monitoring of sales productivity to ensure that they meet defined benchmarks. Build key strategic alliances with external vendors to increase business. Conduct consumer assets cross sell campaigns to leverage internal CASA base. Conducting competitor analysis by keeping abreast of market trends and competitor moves to achieve market share metrics.

HDFC Bank Ltd.,

(March 06 March11)

Product Manager Retail Assets (Personal Loans, Business Loans & Online
Marketing) Key Highlights:

Responsible for Cross Sell & Direct Banking Channel Business for Personal Loans & Business Loans at a National level. Launching Personal Loan & Business Loan Cross Sell Policies & Products in co-ordination with Risk Analytics & Policy team for business expansion. Analyze customer segments and their portfolio compositions including pricing, product mix and roll out specific marketing campaign programs to address the cross-sell / up-sell opportunity. Analysing performance of Personal Loan & Business Loan cross sell book and conduct portfolio analysis and recommend changes to in policy and process. Responsible for all Online initiatives for Unsecured loans Plan and execute Cross Sell campaigns using segmentation and analytical models to achieve optimum results. Drive use of Analytics for achieving key business objectives through cross sell programmes Cost and campaign optimization through effective channel mix and segmentation, Lower Incremental COA, sales manager productivity etc. Create Business Strategy and regular tracking of Business parameters for segment wise penetration and product variant wise penetration and publishing relevant data to top level management. Monitoring and tracking of campaigns across all channels and implementing course correction in conjunction with other stakeholders for better sales fulfilment. Handling Marketing functions like product planning, road mapping, media planning for effective communication and business development. Adhere to all Legal and Compliance regulations. Ensure approvals are in placed before the launch of any marketing and campaign initiative.

City Channel Manager (Cross Sell) - Express Loan Plus

Key Highlights: Developing business strategies to drive sales volumes through channel. Evaluating business budgets periodically including COA, IRR, Processing Fee, manpower-planning and ensure adherence to the management directives. Providing direction to the sales team in-order to increase the business volume. Evaluating performance & motivating the sales team to increase the productivity. Reducing the TAT in best possible manner. Increase the base conversion and generate the best out of it.

Achievements :

Won Silver Star Award of HDFC Bank Ltd., during July 07 for my significant contribution to the organization. It is a highly prestigious award of the Bank, which is authenticated by Business Head and Country HR Head. Won Firestarter Award for the month of Dec 06.

Have created benchmarks in Business Volume achievement. Consistent 100% + target achievement month on month.

Education

MBA (Marketing & IT and systems)-from ICFAI Business School, Batch of 2006 secured 6.63 CGPA. B.Com (CA) from AVS College ,under Periyar University, Batch of 2004 secured 65% Projects

Have done a research as a part of our course curriculum titled Organization and Integration with reference to SAP. This project is about a study of Process Integration as a pre-implementation function of SAP. It describes the importance of BPR and the advantages of implementing SAP in an organization. A 14 week Summer Project from 14th Feb 05 to 21st May 05 for FCB-ULKA Advertising Private Limited, Bangalore about A Study of the Biscuit Market in Tamil Nadu. This research project covered both Retail perspective and Consumer perspective. The findings and suggestion of the project were being accepted and implemented. A Live Project for Sify I way in 2004. This Market Research has been done at two cities in Kerala. The report has been given A grade by the company. Based on my suggestion Sify I way launched two net cafs in the specified places and the progress is extremely good. A Computer Application oriented Project work On Hospital Management System for SPMM Hospital, Salem (T.N) Secured 93%. Languages : Visual Basic 6.0 Operating systems : Windows 2000 Data Base : Oracle, ODBC

Computer Proficiency
SPSS. Visual Basic (6.0). Oracle (SQL Plus & PL/SQL). MS.Office. COBOL.

Extra Curricular Activities

IT Club Convener at ICFAI Business School (2004-05). Arts Club Vice President at AVS College of Arts & Science (2001-04). NSS. (National Service Scheme) volunteer for past 5 years 1999-2004. Published Articles in IBS Magazine during 2005. Personality Development Workshops. Cricket.

Personal Details
DOB Fathers Name Permanent Address Present Address : 10.01.1982. : Mr.T.Natarajan. : 21a, Arunagiri St., Ammapet, Salem 636003. TN. : 11- A/ 22, Park View Co-operative Housing Society,

Languages Known Religion Gender Marital Status References

: : : :

New Mhada Colony, Andheri East, Mumbai - 400093 English, Tamil & Hindi. Hindu. Male. Single.

:To be produced on request