Ralph R Irudayaraj

Digital Contracting

• Thoughtful and self-assured leader | Digital products management | Personnel management | Daily operations | Planning and defining growth objectives | Budgets and cost controls| Hiring and training | Stake Holder Management | Strategic direction and decisions
• Experienced and results-driven Digital Product Manager with 20 years of experience leading cross- functional teams in developing and delivering high-quality digital products
• Proven track record of success in driving product roadmaps, making data-driven decisions, and delivering products that meet customer needs and drive business growth
• Servant leader with passion for creating culture of collaboration and teamwork where everyone is encouraged to contribute their ideas and opinions
• Lead cross-functional teams in development and delivery of high-quality digital products for more than 20+ Markets
• Acted as team leader in group projects, delegating tasks and providing feedback.
• Developed new way of recruiting developers and technical staff by advertising our products online and offline in many ways.
• Drive product roadmaps and make data-driven decisions to ensure alignment with company goals and customer needs
• Build strong relationships with stakeholders to ensure their needs are understood and incorporated into product development
• Develop and implement go-to-market strategies for product launches
• Create culture of collaboration and teamwork where everyone is encouraged to contribute their ideas and opinions

• Senior Digital Product Owner | Digital Transformation & Innovation | PoS Specialist | Digital Lending | Consumer Finance
• Communicate with partners, dealers/clients, and stakeholders alike to ascertain feature request requirements for product and incorporate them into product roadmap.
• Developed and Rolled Point of sale solution for more than 9 Markets.
• Regularly groom and reorganize or prioritize backlog when required.
• Develop and create user stories and outline and define acceptance criteria for them.
• Work within team and project to set achievable sprint goals.
• Write and document acceptance tests.
• Organize and plan releases and manage schedule for upgrades and updates as required.
• Keep track of work progress and highlight production issues during sprints.
• Look into preferences, requests, and requirements of end-users to deliver best possible end-user experience.
• Refine and redevelop where required by agile methodology based on results achieved and client feedback.
• Constantly research and learn new and emerging trends to keep up to date with industry knowledge and best practice.
• Developed and implemented go-to-market strategies for product launches
• Set up digitalization roadmap, define product vision and strategy based on new trends and opportunities for digital finance development trends, and steer roll-out in market
• Created culture of collaboration and teamwork, where everyone was encouraged to contribute their ideas and opinions
• Design and support ongoing optimization of Customer & Dealer experience processes
• Formalize DAIMLER FINANCIAL SERVICES group digital strategy across all markets in the APAC region with the objective of one view of Customer & Dealer and consistent Customer & Dealer experience
• Facilitate digitalization workshops and best practice sharing within APAC region and HQ.

• In this role, Sourced and ascertained corporate, retail proposals, and penetration level as prescribed by Organisation.
• Managed dealers for sourcing of banking services & achieve aggressive penetration target including Auto Loan, Lease, and Insurance Division Pan India
• In addition, Managed sales and marketing activities with regard to DFS including market delinquency rate at tact
• Plus, Drove revenue through creative sales techniques with strong public relations, leadership, client, and employee relations skills
• Key achievements include: Managed newly appointed dealer from Scratch to 47% Business penetration in finance and 70% insurance
• Consistently achieving 70% penetration in Insurance
• Currently in number ONE position in
• Penetration, Pan India
• 95% of policies sold are premium polices with topline add on
• Awarded Star of the Stars twice for contribution on Finance and Insurance & annual Star of the Stars
• Award for 2013
• Awarded for highest Penetration in finance & Insurance in first quarter 2013

• Boosted sales and customer loyalty through incentive programs.
• Forecasted trends and recommended improvements based on financial risk analyses.
• Assessed employee performance and developed improvement plans.
• Maintained friendly and professional customer interactions.
• managed more than 5 DSA & 8 Dealer Channels, while ensuring quality sourcing from channels.
• Developed Bangalore Market from annual disbursement of 0 to 15Cr monthly in two months.
• Reduced cost of sourcing and developed relationship and process for better business results.
• Maintained Delinquency intact and headed branch with profitability month on month.

• Managed Two Wheeler Loan Division in Chennai and managed more than 25 DSA & 110 Direct Executives
• This involved developing, expanding and penetrating ICICI Bank Two wheeler Product
• Developed Chennai & Madurai Market from annual disbursement of 3.6Cr to 15Cr annually
• Reduced cost of sourcing at both the markets
• Achieved preset annual targets of Rs20cr.in Chennai set by company
• In addition, I generated revenue, volume, and market share objectives for assigned staff and market area
• I also handled overall administrative work with regard to two wheeler sales (sourcing)
• Maintained relationships with customers and found new ones by identifying needs and offering appropriate services.
• Enhanced profitability by developing pipelines utilizing marketing and sales strategies.

• I planned and executed new market strategies in order to bring in business development & market growth
• I was also responsible for achieving preset primary & secondary targets of Rs10 cr Set by the company on quarterly & monthly basis
• Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
• Identified and networked with financially strong and reliable dealers, resulting constant cash flow to the company provided service support to the clients in coordination with service team and resolve their issues
• Singed new trade partners in the assigned territory
• Awarded as best new comer in the company
• Increased sales and Revenue collection for Bangalore city branch
• Directed sales support staff in administrative tasks to help sales reps close deals.

• In 2003, I was recruited as a district manager to develop sales initiatives, achieving desired sales targets and managing activities in 6 districts of TamilNadu with a total turnover of Rs6 cr
• I was also responsible for implementing innovative sales and marketing programs that were designed to develop new business, expand profit margins, and increase market share
• I also identified and developed territory specific objectives and action plans that increased sales and payroll goals
• Other responsibilities include: Streamlined business processes and enhanced operational efficiency levels
• Implemented merchandising policy in accordance with mission and core values of company
• Established and maintained relations with clients and ensured that all clients received quality service
• Provided direction, motivation and training to the field sales team, ensuring optimum performance
• Awarded as best District Manager for the year 2004
• Increased footfall and annual turnover for, Trichy district.