Karthikeyan M S
Zonal Manager – Consumer Durable & Retail Finance | Managing ₹1,000+ Cr Loan Book | Leading 1,000+ Sales Force | HDB Financial Services
- Role
- Zonal Manager at HDB Financial Services Ltd.
- Location
- Chennai, TN, IN
- LinkedIn followers
- 500 followers
About Karthikeyan M S
Seasoned BFSI leader with 13+ years of experience across Consumer Durable Finance, Digital Loans, Sales Leadership, and Risk & Fraud Control within leading NBFCs.Currently serving as Zonal Manager at HDB Financial Services, managing a Cr loan disbursement book across Tamil Nadu, Puducherry, and Karnataka. Leading one of the organization’s largest frontline and managerial teams comprising 1200+ Sales Officers, 100+ Sales Managers, 20 Territory/Area Managers, and 4 Cluster Managers.Recognized for building scalable business models, strengthening dealer ecosystems across GT, LFR, and Digital channels, and consistently balancing growth with portfolio quality and compliance. Strong focus on internal talent development, leadership pipeline creation, and cross-functional execution.Experienced in launching new markets, managing key national-format accounts, scaling digital lending, and driving sustainable business growth with robust risk governance.Open to taking wider regional or national leadership responsibilities within the organization.
Experience
Zonal Manager
Jun 2023 — Present · Chennai, IN
End-to-end ownership of ₹1,200+ Cr consumer durable loan book across Tamil Nadu, Puducherry, Telangana & Karnataka• Leading large-scale organization with 1,200+ Sales Officers, 100+ Sales Managers, 20 Territory/Area Managers & 4 Cluster Managers• Driving business growth, profitability, compliance, and portfolio health across multi-state operations• Strengthening dealer ecosystems across General Trade, Large Format Retail & Digital channels• Building internal leadership pipeline and succession readiness• Working closely with Risk, Credit, Operations & Product teams for execution excellence
Education
SRM IST Chennai
Master of Business Administration (MBA), Finance and Marketing
2010 — 2012
Gurunanak college
Bachelor of Commerce (B.Com.), Business/Commerce, General
2007 — 2010
Skills
- Management
- Analysis
- Sales
- Financial Risk
- Mis
- Cross Selling
- Banking
- Risk Management
- Team Management
- Loans
- Retail
- Relationship Management
- Market Research
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