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AJITHKUMAR PADMAKUMAR

@ajithkumarpadmakumar

Commercial lending leader at IDFC FIRST Bank who established an equipment-finance vertical and grew portfolio and revenue.

United States

Message

What I'm looking for

I'm pursuing my next opportunity in commercial lending.

At IDFC FIRST Bank Ltd., I established the commercial equipment and used commercial vehicle lending vertical and helped it reach profitability within 18 months. I delivered 15% portfolio growth and 25% revenue growth, and personally originated approximately $7.27 million annually.

I also improved lending processes to reduce approval turnaround time by 20% and built financing channels through MOUs with JCB, Tata Hitachi, Komatsu, Hyundai and SANY. I implemented Salesforce CRM across the sales organization and led a team of up to 15 professionals.

Earlier, at Manappuram Finance Ltd., I grew the regional lending portfolio to approximately $7.7 million and improved operational efficiency by 30%. At ICICI Bank Ltd., I acquired deposit customers and supported U.S.-based NRI customers with banking documentation and loan applications.

Experience

Work history, roles, and key accomplishments

Relationship Manager NRI Services

ICICI Bank Ltd.

Apr 2026 - Oct 2026 (6 months)

Acquired new deposit customers and expanded existing balances through needs assessment, onboarding, and ongoing relationship development. Supported U.S.-based NRI customers with account onboarding and banking documentation, coordinating home-loan and loan-against-property applications with credit and underwriting teams.

Relationship Management Customer Onboarding Needs Assessment Banking Documentation Credit Coordination Underwriting Coordination

Program Head Commercial Equipment Finance and Used Commercial Vehicles

IDFC FIRST Bank Ltd.

Mar 2021 - Nov 2025 (4 years 8 months)

Led commercial equipment and vehicle finance across a portfolio reaching approximately $415.8 million, delivering 15% portfolio growth and 25% revenue growth. Personally originated approximately $7.27 million annually, established the lending vertical, improved processes to reduce approval turnaround time by 20%, and achieved profitability within 18 months.

Commercial Lending Equipment Finance Vehicle Financing Credit Assessment Loan Structuring Business Development OEM Development Dealer Development Salesforce Team Leadership Process Improvement

Regional Head West

Manappuram Finance Ltd.

Aug 2017 - Mar 2021 (3 years 7 months)

Grew the regional lending portfolio to approximately $7.7 million and increased revenue 15% year over year through customer acquisition and dealer/channel development. Improved operational efficiency by 30% through process and onboarding changes, managed 25 direct and 20 indirect reports, and completed creditworthiness assessments for more than 100 loan applications monthly.

Regional Management Lending Customer Acquisition Dealer Development Channel Development Operational Efficiency Credit Assessment Cash Flow Analysis Team Management Hiring Coaching

Zonal Head Sales and Collections West

ORIX Leasing and Financial Services India Ltd.

Oct 2015 - Jul 2017 (1 year 9 months)

Increased monthly West Zone sales from approximately $450,000 to $1.7 million by expanding customer and dealer relationships. Built a strategic leasing partnership with Tata Motors that increased business approximately 30-40% and coordinated financing execution with internal teams.

Sales Management Collections Customer Relationship Management Dealer Relationship Management Leasing Partnership Development Finance Coordination

Regional Sales Head

Magma Fincorp Ltd.

Aug 2010 - Apr 2015 (4 years 8 months)

Achieved 25% loan-disbursement growth and 15% customer-acquisition growth in FY2013, recognized as Best Regional Head. Progressed from State Head to Regional Head, expanded the organization from five to more than 30 employees, and managed more than 25 channel partners.