Kashinath Kamoji
SUMMARY
- Business Growth Strategist & Operations Leader with over 25 years of experience in the Financial Services sector
- Demonstrated success in business development, operations management, strategic planning, risk management, client engagement, and team leadership and proficient in driving sales, managing P&L, executing go-to-market strategies, and enhancing customer satisfaction
- Pioneered microfinance business operations, expanded branch networks to over 121 locations, managed teams of 500+ employees to achieve portfolio growth from Rs.18.00 Cr to over Rs.300.00 Cr, showcasing strong capabilities portfolio management expertise
- Expert in credit analysis, loan operations, product management, audit compliance, risk mitigation, strategic planning, process optimization, and financial reporting & analysis, recognized for designing and implementing effective business strategies, leading to significant portfolio growth and operational excellence
- Maintained a focus on sustainability and corporate social responsibility initiatives and engaged in community outreach programs to build brand presence and trust
KEY SKILLS
- Business Development
- Operations Management
- P&L Ownership
- Credit Analysis
- Loan Operations
- Strategic Planning
- Product Management
- Risk Mitigation
- Audit Compliance
- Go-To-Market Strategies
- Client Engagement
- Team Building
- Credit Underwriting
- Process Optimization
- Sales Target Achievement
- Budgeting
- Customer Service
- Human Resources Management
- IT Management
- Financial Reporting & Analysis
- Market Research
- Branch Network Expansion
- LMS Applications
- SOP Development
- IT Collaboration & Management
- Data Analysis
- Project Management
- Budget Management
- Process Engineering
- Financial Forecasting
- Market Segmentation
- Credit Processing
- Risk Assessment
- CRM
- Data Analytics
- Microsoft Office Suite
- Presentation Skills
- Database Management
- Financial Modeling
- Compliance Management
- Quality Assurance
- Strategic Business Planning
- Microfinance Industry Standards
- Housing Finance Regulations
- Financial Product Development
KEY ACHIEVEMENTS
- Pioneered the design and implementation of Microfinance Business Operations across Karnataka branches from 2015 to 2017, while successfully overseeing Rural Housing Finance Business from 2008 to 2010
- Recognized as the top-performing State Head at Asirvad Microfinance Ltd. for the exemplary performance during the 2015-16 period
- Served as a Key Member of the Association of Karnataka Microfinance Institutions (AKMI), contributing to the advancement of the microfinance sector in the state
- Directed a team of over 500 professionals spread across 121 branches, driving portfolio growth from Rs.18.00 Cr. to over Rs.300.00 Cr. between 2015 and 2018
- Achieved remarkable success in building a quality portfolio surpassing Rs.310.00 crores within a 15-month operational timeframe
WORK EXPERIENCE
Sep 2022 - Dec 2023
ReshaMudra Financial Services Private Limited
Regional Manager · Leading a team to establish and enhance sales positioning and portfolio growth within the textiles finance sector across Andhra Pradesh and Telangana
· Achieving a portfolio growth exceeding Rs.310.00 crores within 15 months of operations
· Streamlining team productivity and efficiency through strategic leadership
· Developing and maintaining client relationships to ensure high levels of satisfaction and loyalty
· Fostering partnerships with key industry players to support business objectives
· Implementing risk management strategies for portfolio management
· Ensuring compliance with all regulatory requirements and company policies
· Providing training and development to team members to enhance their skills and knowledge
· Managing and optimising operational costs to improve profitability
· Directing regional sales and operational strategies to achieve financial targets and expand market presence
· Leading, motivating, and developing a high-performing team to ensure optimal performance and employee satisfaction
· Managing key client relationships, negotiating contracts and partnerships to drive business growth
· Overseeing implementation of business strategies, ensuring alignment with corporate goals and market needs
· Analysing market trends and competitor activity to inform strategic decisions and identifying opportunities for innovation
· Ensuring compliance with all legal and regulatory requirements, maintaining the highest standards of corporate governance and ethics
May 2018 - Jun 2019
Svamaan Financial Services Private Limited
Head - Karnataka · Maintained a focus on sustainability and corporate social responsibility initiatives
· Spearheaded the launch of JSW Group's microfinance venture, aligning with organizational policies
· Developed and implemented Standard Operating Procedures (SOPs), policies, and products for the microfinance business
· Collaborated with IT teams to deploy Loan Management Systems (LMS) and Loan Origination Systems (LOS) within stringent timelines
· Directed HR and Administration during initial setup, including recruitment, branch identification, procurement, and development of branch infrastructure
· Crafted and executed impactful go-to-market strategies, transitioning the business from inception to a growth phase
· Managed client portfolio to ensure product and service quality
· Enhanced operational efficiencies through continuous process improvements
· Monitored market trends to align product offerings with customer needs
· Ensured adherence to industry regulations and standards
· Launched and established the microfinance business within the region, setting and achieving ambitious growth targets
· Collaborated with cross-functional teams to develop and implement effective business strategies and operational processes
· Drove customer acquisition and retention strategies, enhancing customer satisfaction and loyalty
· Managed budgeting and financial planning, ensuring efficient resource allocation and cost management
May 2015 - Feb 2018
Asirvad Microfinance Limited
State Head - Karnataka
· Conducted market segmentation and research to drive branch network expansion and customer-centric product development· Played a pivotal role in identifying potential locations for branch openings, expanding from 18 to 121 branches
· Led a team of over 500 employees, growing the portfolio from Rs.18.00 Cr. to over Rs.300.00 Cr
· Advised on business growth strategies and credit process improvements
· Defined strategic business objectives and annual operating plans to tap into new revenue streams
· Promoted team collaboration and motivation to achieve business targets
· Integrated technology solutions to enhance operational efficiency and customer service
· Cultivated a culture of innovation and continuous improvement
· Upheld high standards of compliance and risk management
· Led strategic planning and execution for branch network expansion, significantly increasing the footprint and customer base
· Directed the development and distribution of customer-centric products, enhancing market penetration and revenue growth
· Fostered a culture of continuous improvement, team collaboration, and professional development to drive organizational excellence
· Conducting market analysis to identify new opportunities for business expansion
Feb 2014 - Jan 2015
Credit Access Grameen Limited - Corporate Office
General Manager
· Spearheaded the expansion and inauguration of over 50 branches across Maharashtra and Karnataka, significantly enhancing the organization's reach and impact in the region· Played a pivotal role in strategic planning, operational efficiency, and cost management, while leading initiatives aimed at fulfilling the organization's social goals
TRAININGS
Making Microfinance Work - Managing for Improved Performance | Accion | July 2012 - July 2012
- Acquired comprehensive training in the principles and practices of making microfinance effective through participation in Accion's "Making Microfinance Work" program
- Equipped with the necessary knowledge and skills to navigate the complexities of microfinance and contribute positively to the financial inclusion agenda following training with Accion
Leadership, Team Building & Soft Skills | Better Future & Inner Voice | Sep 2012 - Sep 2012
- Designed and implemented leadership development programs in partnership with Better Future and Inner Voice, focusing on cultivating essential leadership qualities such as communication, decision-making, and conflict resolution
- Facilitated team-building activities and workshops aimed at enhancing collaboration, trust, and synergy among team members, fostering a cohesive and high-performing work environment
- Delivered soft skills training sessions covering areas such as emotional intelligence, time management, and resilience, empowering employees to navigate challenges effectively and achieve personal and professional growth
EDUCATION
- Masters in Nuclear Physics from Karnatak University, India | 1993
- Bachelors in Physics from Karnatak University, India | 1989
| Last Resume Update | March 13, 2024 |
| Address | Hyderabad, India |
| kamoji.kashinath@gmail.com | |
| Phone Number | 09845813450 |