10 years’ experience in the field of Sales and Operations Reputed NBFCs in Kerala for last 12 years Ramya has immense expertise on gold loan and have been instrumental in enhancing customer base of the company. She has been major contributor in create & implementing attractive Gold loans plans to increase the gold loan productivity. Ramya has operational excellence in NPA analysis and major impetus has been to evaluate the branch and staff performance to increase the productivity in People Management Activity.