bharath balaji

Result-oriented professional with a proven track record in financial services, reward promotions and project management, adept at driving performance and delivering exceptional client service. Skilled in managing & developing teams, and implementing strategic initiatives to exceed sales targets. Experienced in providing personalized financial advice & fostering long-term client relationships. Strong leadership, communication, and problem-solving abilities with a commitment to ethical conduct and continuous improvement

Territory Manager, PC Financial (Loblaw) – Peel, ON, Jun 2021 to Apr 2024
 Developed and implemented comprehensive payment and reward strategies to help promote a range of financial products, including credit cards, debit accounts, and overdraft facilities, to incentivize customer engagement and drive revenue growth through the field sales team
 Strategized & Managed promotion of Gift & reward programs tailored to the usage of credit cards and debit accounts, resulting in 30% increase in cardholder transactions & 15% growth in account activations.
 Led the launch and promotion of a new payment support & recoveries plan- credit card insurance for customers facing financial hardship, collaborating with cross-functional teams to ensure its effectiveness
and adherence to regulatory requirements.
 Conducted regular analysis of team performance, customer feedback and market trends to enhance
product offerings & optimize reward structures, aligning with business objectives & customer preferences.
 Managed 30 member team of sales professionals and helped them achieve performance goals & self- development objectives. Hired, trained and developed the team with continuous conversations on
performance, formal coaching support and continuous product & process training
 Maintained exceptional relationship with stakeholders- flagship stores- negotiated favorable terms and agreements for partnerships, maximizing value for the company and customers. Acquired new business
opportunities in 3 locations.
 Ensured compliance with regulatory requirements and industry standards governing the provision of
financial products and services, mitigating risk and safeguarding the company's reputation.
Payment & Reward Representative, PC Financial (Loblaw) – GTW, ON, Feb 2020 to Jun 2021
 Maintained consistent top performance and recognized for excellence in Pilot opportunities, consistently achieving top sales rankings on a daily and weekly basis.
 Delivered exceptional client service, ensuring client needs were met with professionalism and efficiency, resulting in strong sales results and client satisfaction.
 Used enquiry method to understand precise customer needs and advised on appropriate mix of products to benefit clients.

• Master of social work
• Bachelor of labour management