Suresh Perumal

Experienced banker with a successful history of managing various financial products, such as agriculture CC/WCTL term loans, priority lending, MSME, micro lending (JLG/SHG), financial inclusion, gold loans, SCF, vendor finance, and corporate agri finance. Committed to delivering exceptional services and contributing to the organization's growth and development. Suresh P Zonal Business Head (Agri/MSME) Work History- Zonal Business Head- (Corporate Agri Finance) FinTech (M/s NinjaCart), Salem, India • Sourcing corporate/Agriculture Enterprise Contact relationships for supply chain finance • Primary focus to grow the supply chain finance Address business in region through a combination of field Salem, TN 636005 sourcing and partnerships • Taking full ownership of the work assigned and Phone exhibiting excellent written and verbal - communication skills E-mail • Operating data-driven, with an affinity for - numbers and MIS • Collaborating with cross-functional teams to Skills achieve success • On-boarding Channel Sales forecasting Partners,Vendors,Manufactures in the potential centers, Operations management • Focusing Food and Agriculture/Manufactures Business development /Traders and FPOs/Commodity Agents/brokers • Plan to achieve the target with strategic level • Warehouse Loan (Commodity pledge lending Business planning Team Management with BC Model with Axis Bank/UGRO/DCB) • Corporate NTB 50 customers • 15 new proposals are building on a weekly basis. • MUM Rs. 20.00 crores every month with team and Supporting to cross functional department like Ops/Credit/Legal individual contribution department documentations. Customer acquisition Sales strategy optimization Business analysis and reporting 2021-08 - State Head of TN & KL - Agri/MSME 2023-09 Fintech (Resha Mandi), Chennai, IN • Develop the Textile segment like Pure Silk, Cotton, and Allied textile activities client base in cluster, including target identification • To ensure profitable and quality new client on-boarding • The Major products are Invoice/Inventory finance Decision-making like short-term working capital, Trade funding for Problem-solving abilities all manufacturing of textile units and textile-allied activities, etc. To drive and motivate the teams Analytical skills towards set revenue targets Business administration • To product promotional/development activities in the potential centers Teamwork and • To co-ordinate with all stakeholder groups like collaboration Credit, operations on a regular basis for process Lead generation and policy changes and daily work • Ensure that all aspects of internal Governance Time management are met, monitor compliance issues, and proactively highlight/escalate any issues Personal Details • Minimum Ticket size Rs. 5.00 lakhs to Rs. 1000.00 lakhs to monitor the Textile competitor in markets Date of Birth:- Nationality: Indian Marital Status: Married - State Head of TN, KL MSME Agri Sales FinTech Agri (M/s Jai Kisan), Chennai, IN • Drive revenue growth of the geographic cluster Religion: Hindu through RM team Develop the MSME client base Other: Marital Status: in cluster, including target identification Married • The Major products are Invoice, Inventory finance like Farm Equipment/Tractors, Small Agriculture business (SAB) working capital, Trade funding, Food processing/manufacturing units, textile units, Rice mills, seed industries, etc • To product promotional/development activities in potential centers • To maintain TAT & Quality of the files at the time disbursement • To co-ordinate with all stakeholder groups like Credit, operations on a regular basis for process and policy changes and daily work • Ensure that all aspects of internal Governance are met, proactively highlight/escalate any issues • Minimum Ticket Size: Rs. 15.00 lakhs to Rs. 2500.00 lakhs • To Develop Equipment finance with Tie-up Company VST Power Tillers, Kirloskar, Class Harvester and M/s Macheo Equipment's Both on-boarding of dealers and Farmer Finance- Head Agri Business at Central/Divisional Manager Karur Vysya Bank Ltd, Karur, IN • Agricultural Credit Underwriting for various product like KCC, TL, Structure Poultry, Dairy Loans, Poultry Loan-OCC/WC, Agriculture structure loan and warehouse receipts loans, Warehouse/Cold Storage, SHG/JLGs, Portfolio management, team handling monitoring, and leadership to safeguard the bank's ability to accurately assess credit applications in a timely manner • Various government sponsorship schemes and farmers Tie-up loans with various corporate companies (sugarcane, contract farming, etc) • To be put up the proposals collecting all the mandatory details to the appropriate sanctioning authority (Committee members) • Circular preparation and updating to all Branches and Agricultural officers • Reduce the fraud/Fake document/farmer /customer regular and close watching existing and fresh customer • Monitoring, periodical reviews/renewals of existing limits, Unit visits, discussing with Branch heads/Agriculture officers for suggesting corrective measures, etc • Team Management in different districts under Regional Level (Branch Manager/Agricultural Officers/Jewel Loan Officers) • All JL Agriculture promotional activity and improve the advance • Sanction limit from Rs. 2 lakhs to 3.00 crores • Audit and Inspection/Compliance to Branches • Warehouse loan monitoring the commodity finance with NCMSL, STAR AGRI, NHBC, and SWC/CWC and approved warehouse/Cold storages • To closure of overdue WHRL Loans follow-up branch and collateral managers • To support the Auction conducting of the overdue commodity warehouse loans • Man power recruitment to place the prominent locations • Product Training given to Ground AO/BM/JLO/BCA at STC and respective region • Built and strengthened relationships with industry partners to drive growth. • Increased revenue by developing and implementing strategic sales initiatives. • Launched new products or services that contributed significantly to the company''s bottom line while maintaining a strong competitive edge. • Managed budgets, forecasting financial needs, and ensuring fiscal responsibility across all departments. • Collaborated with stakeholders to define goals, align objectives, and ensure overall company success. • Analyze financial data to identify trends, inform decision-making processes, and optimize resource allocation for maximum profitability- Deputy Manager at Salem Cluster (Retail Agri) HDFC Bank (P) Ltd, Salem, IN • To be monitored and prepared of Credit proposals (CAM), Credit administration, Credit risk and Credit Monitoring • Various product agriculture KGC, Tractors, Structure Finance, Small Agriculture business (SAB) working capital, Trade funding, Sourcing National Horticulture Board • Obtaining proper documents and presenting the same to appropriate authorities for clearance and disbursal of the loan / advances to the Farmers • Reduce the fraud/Fake document/farmer /customer regular and close watching existing and fresh customer • Reduction of NPA's Recovery, Coordinate with Collections team • Monitoring, compromising through negotiations (or) resorting to legal recourse • Maintaining the existing portfolio (post-disbursal formalities and monitoring) • Decision-making with respect to Loan files, Monitoring of TAT in loan file processing • Team Monitoring and Monthly review/filed visit with Marketing Executives all the regions • Monitoring, periodical reviews/renewals of existing limits, Unit visits, discussing with Branch heads/Agriculture officers for suggesting corrective measures, etc • Supporting to Ops/Credit/Legal department documentations 2005-01 - Senior Sales Officer 2009-08 M/s Meghamani Agro Dyne Pvt Ltd, Pondichery, India • Company Overview: Agriculture inputs Firm • To carry out Sales and Promotional activities for creating demand from the grass root level for successful marketing of our agrochemical products • Dealer/Distributor's Visit field staff monitoring, Farmers meeting conducting, new product Demo/Trails conducting • Motivating Team members and dealers to increase product sales • Direct Sales & Marketing and that current year achievement is 112% • Promotional Activities are conducted to improve & Increase sales, like Van Campaigning, dealer meetings, Scheme Announcements, social activities, etc. Education 2022-01 - MBA: Corporate Finance Management 2023-01 National Institute of Business Management - Kochi, India GPA: 90.00 2007-04 - Master of Science: GIS 2009-01 Annamalai University - Chidambaram, India GPA: 76.20 - Bachelor of Science: Agriculture Annamalai University - Chidambaram, India GPA: 66.80 Technical Education Qualifications • Collage of Agriculture, RBI, CAB, Pune., Financial inclusion training-OAP, NPCI, BSBDA, SHGS, 2015-16 • Central Poultry Development Organization & Training Institute, Hesaraghatta, Bangalore., Credit of Poultry and Animal Husbandry technical workshop, 2016-17 • National Institute of Business Management, Pune., Credit appraisal training Agriculture and food processing and commodity, 2017-18 • Southern India Banks' Staff Training College., Agriculture and Other Priority sector lending (Farm/Rural credit Priority, MSME, SHG/JLG Legal, and Risk intelligence)., 2018-19 • Manipal Global Education Service, Bangalore., KYC & AML, 2018-19 • Alison Online certificate., Understanding Risk and Reward in Finance, 2020 • Alison Online certificate., Cash Flow Management Basics, 2020 • Tamil Nadu Corporation for Development of women Ltd, Salem., Bankers Orientation Programme, SHG One day workshop for SHG, Both state rural and Urban Livelihood Mission, 2021 • RBI - College of Agriculture, Pune., Integrated Farming System One day workshop, 2021 • Climate Change and sovereign Risk ADBI Bank, 2021 • Financial Globalization, Capital flow, and the global financial cycle ADBI, Bank, 2021 • Green Investment Renewable Energy ADBI Bank, 2021 • Introduction to sustainable development in Asia and the pacific ADBI Bank, 2021 • Inclusive digital economies and gender play Book ADBI Bank, 2022 • Supply Chain Management Great Learning-KA, India, 2023 • Certified Billing Ops Expert Chargebee,-USA 94040, 2023 • Careers in Commercial Banking Corporate Finance Institute, USA, 2023 • Introduction to Agri business Corporate Finance Institute, USA, 2023 • Introduction to Fintech Corporate Finance Institute, USA, 2023 Practical Experience • Have First Hand experience in field level agriculture. • Gained Skill & Experience in organizing, Campaign, Meetings & Demonstration. • Agricultural - Industrial Ti-up Programmer RAWE Rural Agricultural work experience. • Having 3 months Fish Culture & Prawn Culture Program. • Individual project for the 3-D Photoshop work in PG Degree course. Disclaimer I hereby affirm that the information in this resume is true and the best of my knowledge.