Assistant General Manager - All India Retail Finance Head

• Aug 2022 - Present

Manager - Retail Finance

• Dec 2020 - Jul 2022

Designing and implementing strategy for right penetration mix of Bank and NBFCs. Tie-up with key financiers.Understanding overall requirement of Tractor business in terms of annual volume forecast from sales team, customer categories being targeted and aligning finance offerings accordingly.Working closely with key retail finance partners and monitor portfolio behaviour at regular intervals. Studying current penetration levels, and providing strategic guidelines to Regional Managers to create synergy between financiers and channel partners.Keeping tab on RBI policies affecting auto finance.Understanding requirements of sales team, negotiating with financiers and designing customised financial solutions.Identifying suitable financiers in rural market and work our schemes to suit customer expectations. Analysing sales forecast, plotting the projected value against given numbers, understanding the funding requirement of each channel partners.Identifying financial institutions to provide channel finance solutions to facilitate off takes.Mapping financiers with channel partner based on business projections and credit standing.Monitoring the repayment status of channel partners to financiers.Monitoring the current limit utilisation by the channel partners, fund repayment analysis and share. Show less

Territory Sales Manager

• Jul 2019 - Aug 2020

Area Sales Manager

• Jan 2018 - Jun 2019

Managing the aspect of Business Development and facilitating the empanelment of dealers of the allotted areaRecruiting Front Line Sales Team for the allotted areaVisiting all the major Dealers of the allotted area once every month and reviewing business with them Conducting joint activities with dealers in order to develop a healthy portfolio of allotted areaEnsuring healthy portfolio management and monitoring timely collection and payment Performing the overall Process & Control of the base branchEnsuring Management of Business loan portfolio and retail sales of the same product for allotted branches. Noteworthy Credits and Achievements:Created the largest and healthiest portfolio at PAN India level during tenureSuccessfully contributed in pilot run of the launching of online disbursement system of the organizationImparted training sessions to more than 50 employees on the aspects of system implementation in 2019Attained the highest number of units financed in the state with creating most successful healthy portfolio during the tenure as well as successfully trained Front Line Salesforce and made them capable to take the next level leadership; assisted the executives in getting promoted to the Sales Manager RoleRecipient of Super Star award for the month of Jun'2020 Show less

Area Sales Manager

• May 2016 - Dec 2017

Played a vital role in cross selling of GI and CLI and to maintain product wise penetration for the sameManaged the TAT, PDD completion, lead generation through various direct marketing activities, dealer relationship supported with timely visits and dealer engagement activities Controlled the EDA and NS of the allotted areaFacilitated the Farm Equipment Finance of the Vadodara Area and provided new tractor loan, pre-owned tractor loan, used tractor loan and refinance to the clients Performed the daily reviewing and assessment of Team Performance in the organization Noteworthy Credits and Achievements:Credited with recording an all-time high business booking by area with 20% market share during November 2017Recorded the highest ever productivity rate for Vadodara Sales Team from Apr’17-Dec’17 Show less

Branch Sales Manager

• Sep 2014 - Apr 2016

Contributed in making Baroda Branch, (only in the entire state) qualify for the following:Silver certificates for three consecutive months (Feb’15, March’15 and April’15)Diamond certificates for two consecutive months (Sep’15, and Oct’15)Recipient of Star Award for the category ‘Team Work’ for FY 2015-16Facilitated the collection drive for the month of March’15 and gained maximum GNPA resolution

Deputy Manager - Direct Marketing

• Jul 2013 - Apr 2014

Vital role in Business Development through Direct Marketing Initiative for the Auto Finance BusinessResponsible for all branches of region for direct marketing business and activitiesLiaison with branches of organisation for conducting various direct marketing activities and programs like Gram sabhas, Road Shows, Loan Mela, Mandi Activities etc.Involved in Implementation and execution of various customer retention programs in the branches on a daily basisLiaison with sales team of automobile manufacturers and dealers to support branches in direct marketing activitiesInvolved in Proper Lead ManagementNoteworthy Credits and Achievements:Participated in Sparsh – Customer Retention program and have been awarded : 3rd Position at India level for the third quarter of FY 2013-14 1st position at Zonal level for the second quarter of FY 2013-14Assisted in making the region achieve 3 times highest direct marketing business numbers across Pan India during FY 2013-14Contributed in making the Jaipur region emerge with attaining the highest direct marketing business numbers across PAN India Show less

Branch Manager

• Jun 2011 - Jun 2013

Vital role in branch Profitability assessment, tracking MIS & Visit Assigned area (under branch) on a regular basisInvolved in Branch Performance review at regular intervalsDaily tracking of chronic cases & discussion with field executiveDevelop new strategies for increasing business volumes & taking collection in a systematised mannerFiltering the branch issues to the concerned process ownerSynchronise with dealers for business groupGather data on activities of competitors, Auto dealers, life/ Asset Insurance company activitiesPerformance appraisals of team members on regular basis & FeedbackResponsible for overall growth of branch and up gradation of skill / knowledge of team membersEfficient daily operation of a full service branch office, including operations, lending, product sales, customer service, and security and safety in accordance with the organisation's objectivesNoteworthy Credits and Achievements: Managed 3 branches as an active TM in the absence of TM during the FY 2012-13Attained 1. Highest ever business numbers and disbursement achieved in various segments of Auto loan business 2. Highest ever direct marketing numbers and assisted the branch to qualify for the DM-50 Club for more than 6 times 3. Highest ever Tractors financed for the allotted branch.Participated and successfully cracked a maximum number of bulk deal proposals in the FY 2012-13 Show less

Associate Manager

• Sep 2009 - Aug 2011

Overseen Auto Loan, Tractor Loan & CV Loan as Key Product for OrganizationSupervised dealer relationGuided and mentored the business team and motivate them to achieve the targeted business goalInvolved in Business Growth and Market Competition Track RecordLiaison with Senior Officer for Monthly Business PlanningOrganising Campaigning Activity and Various Programs for LeadNoteworthy Credits and AchievementsParticipated in the Think Tank Event Contest and presented the Scope of SEL in front of Steering Committee Members and M.D in 2011Presented best practice of recovery process and won the EMI Sultan 2.0 at The Best Practice Contest in 2011 Show less