---
title: "Melwin Alex - Business Head in Bengaluru | Tal"
description: "Meet Melwin Alex, Business Head / SVP at Criss Financial Limited based in Bengaluru. AI stack includes Chroma."
image: "https://tal.club/meet/melwin-alex/share-image"
---

# Melwin Alex on Tal

## Headline

Business Head / SVP at Criss Financial Limited

## About

Strategic Business Head with over 26 years of expertise in operational excellence,driving growth, process improvement, profitability and team leadership\. Proven track record of developing and executing strategic plans that deliver results\. Have extensively worked in the Urban & Rural markets for MSME lending business, individual loans both secured and unsecured products catering small ticket to high ticket loans\. Have headed the business operations of the MSME lending business of the zone with a large team size\. I have handled various products such as personal loans, business loans, loan against property, home loans, gold loans, invoice financing, agri loans, and overdraft products during these 26 years\. Currently working as a Business Head in the capacity of Sr\.Vice President for Southern Zone with a leading NBFC\. I have an MBA in Finance and Marketing from Bharathiyar University Coimbatore\. My mission is to provide customized and affordable financial solutions to the underserved segments of the market, and to enable their economic and social empowerment\.

## Location

Bengaluru

## AI stack

Chroma

## Work experience

Business Head at Criss Financial Limited, Jul 2024 \- Present · 2 yrs 4 mos, On\-site, Promoted as Business Head

Senior Vice President MSME Secured & unsecured at Criss Financial Limited, Feb 2024 \- Jul 2024 · 6 mos, Bengaluru, Karnataka, India

Vice President / Business Head \- Enterprise Loans at Dvara KGFS, Nov 2019 \- Feb 2024 · 4 yrs 4 mos, Chennai, Tamil Nadu, India, Leadership & Business  Leads and manages all activities of the 160 Business team, Pan India with 295 branches  Sets departmental KPIs and evaluates the effectiveness of the sales initiatives, making appropriate changes that encourage achievement of overall sales and business targets\.  Mentor key personnel in the departments, ensuring their constant professional growth, and assisting them in the execution of their duties where ever necessary  Empowering the Business Team with the required support to achieve the budgeted numbers Product Design & Strategy  Design new products & Product innovations and working closely with Risk / Analytics teams for specific client segments to grow the business digitally end to end leveraging own lending platform  Responsible for managing the entire life cycle of Loan products from inception to product launch  Product innovation and improvement Analytics  Track and reviews actual sales results, weighing them against the set targets and business KPIs in order to determine the effectiveness of sales initiatives and implement necessary changes and solutions\.  Conduct business analysis, performance analysis and competitive analysis etc  Forecasting and monitoring sales performance and business compliance\.  Articulates the results of the analyses in reports, presentations, and recommendations to key stakeholders\. Credit Underwriting  Management of the Credit Team  Managing end to end Underwriting process of Enterprise loans Partnership & Collaboration  Responsible for driving key partnerships with aggregators, ecommerce players across products and managing the partnerships, scaling them and accountable for delivery on business from each of the partners\.  Execution of entire Partnerships & Alliances vertical including closing out terms, driving integration, working out varied programs through partners, building efficiencies in disbursements, technology, operations etc

AGM / State Business Head \- MSME Secured & Unsecured Lending at Adani Capital, Aug 2018 \- Jun 2019 · 11 mos, Bangalore,  Responsible for generating and target achievement of MSME business across Karnataka  Managing a large Sales team of Cluster Managers, Area Sales Managers, Sales Managers and Relationship Managers  Ensuring basic Sales Process in the team by imparting continuous Product and Process training for the front end team, setting individual Sales Target and Monitoring regular productivity etc  Recruitment and Training of ASMs, SMs and FOS  Designing incentive plans, motivational programmes and engagement activities\.

Senior Manager \- Unsecured Lending at NeoGrowth Credit Pvt\. Ltd\., Jul 2017 \- Jul 2018 · 1 yr 1 mo, BANGALORE, Regional Manager – Unsecured Business loans Retail & SME Business Key Deliverables • To grow the retail loan business and achieve the targeted loan book size\. • To provide business loans against credit card and debit card sales to Retailers • To increase the income from each merchant acquisition\. • Identifying, Recruiting and Driving DSTs on a continuous basis to ensure continuing sales growth\. • Responsible for generating business through DSTs\. • Ensuring basic business quality parameters such as TAT, Lead Management etc maintained by the team

Cluster Head \- Small Ticket LAP \(secured Lending\) at Capital First Limited, Jun 2015 \- Jul 2017 · 2 yrs 2 mos, BANGALORE, Cluster Head – Karnataka – STLAP Key Deliverables • Team Leadership – Build a high performing motivated team by working closely with the team members, offering mentoring and leading by example • Sales Management – Achieve disbursement targets in numbers, volume and productivity • Relationship Management – Build strong relationship with customers with the help of loan products and beyond loan initiatives • Channel Management – Build strong relationship with the channels for loan products • Profitability Management – Maintaining and optimizing profitability for the branch through maintaining costs and building a superior quality portfolio • Delinquency Management – Ensure zero delinquencies for the branch by timely and effective collections

## Education

Finance & Marketing, Presentation English Medium High School, Perinthalmanna

Master of Business Administration \- MBA, FINANCE AND MARKETING, BHARATHIYAR UNIVERSITY COIMBATORE

[View the original profile](https://tal.club/meet/melwin-alex)

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