Ranjith K

BRANCH HEAD @ Manappuram Home Finance Limited

About

Mortgage Sales and Banking professional with 15+ years of experience across Banking and NBFCs, specializing in Home Loans, LAP, and channel-based sales through DSAs and Builders. Certified in KYC & AML (Alison) with strong knowledge of customer due diligence, AML red flags, and compliance standards. Trained in US Mortgage Operations, covering loan lifecycle, disclosures, DTI, LTV, and compliance fundamentals. Known for compliant sourcing, strong customer relationships, and consistent target achievement. Open to opportunities in Mortgage Sales leadership, US Mortgage Operations, and KYC/AML-aligned roles within BFSI and global mortgage firms.

Country

India

City

Thrissur

Industry

Banking

Skill

Kyc, Credit Appraisals, Stakeholder Management, Credit Risk Management, Power bi, US Mortgage, Microsoft Power BI, Data Analysis, Certified Mortgage Planning, Mortgage Compliance, Mortgage advisor, Title Searches, US MORTGAGE, Affordable Housing, lap, Mortgage Underwriting, Home loan, Team Motivation, Team, Regulatory Requirements

Experience

BRANCH HEAD

Manappuram Home Finance Limited

2026-3 - Present · 7 mos

Palakkad

Business Development & Sales • Drive home loan and LAP (Loan Against Property) disbursements to meet branch targets • Develop and manage relationships with builders, DSAs, real estate agents, and channel partners • Identify local market opportunities and implement growth strategies • Ensure cross-selling of allied products (insurance, top-up loans, etc.) Credit & Risk Management • Ensure credit appraisal adheres to company policies and regulatory norms • Review and approve loan files within delegated authority • Maintain healthy portfolio quality and control NPAs • Monitor early warning signals and take preventive action Operations & Compliance • Ensure smooth branch operations and turnaround time (TAT) • Adhere to NHB / RBI guidelines and internal audit standards • Address audit queries and ensure timely closure • Maintain proper documentation and legal compliance Collections & Recovery • Monitor overdue accounts and collection efficiency • Implement recovery strategies for delinquent cases • Coordinate with legal and recovery teams for NPA resolution • Ensure minimal slippages and effective follow-ups Team Management • Lead, mentor, and motivate sales, credit, and operations teams • Conduct performance reviews and skill development sessions • Ensure productivity and discipline within the branch Customer Service • Ensure high customer satisfaction and complaint resolution • Handle escalated customer issues professionally • Build long-term customer relationships and referrals