Experience

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  Shubham Housing Development Finance Company

  • Mumbai, Maharashtra, India

  • Regional Business Head

    • Apr 2022 - Present
    • Mumbai, Maharashtra, India

    Key Responsibilities Leading Mumbai–2 and Madhya Pradesh Region. Total 14 branches. Opening up 9 more branches in MP region. My direct team includes 4 State Heads (ASM), 3 Sr. BM/PM, 23 Branch and 200+ RO/RM/DSA managers. Driving the team for high yield and profitable business along with optimum insurance penetration. Enhancing income with high yield products, fee and insurance revenue Collection of 12 MOB cases and Pre – EMI bounce case within given timeframe. Business and Manpower planning and execution in sync with management policy.  Setting up and improve various processes and policy to optimise TAT and overall business.Significant highlights Enhanced monthly disbursement from 5Cr average business in FY 21-22 to 24 Cr in March 2024 for Mumbai -2 region.  MP region crossed its ever highest twice since I took up the region. From average of 7 Cr we closed at 16 Cr in March 24.  YoY 68% YTD growth delivered in FY 23-24, whereas we had grown by 78% YTD in FY 22-23 over previous FY.  Pan India highest disbursement of new product line – Shubh Unnati for two consecutive years.

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  Fullerton India Credit Company Ltd.

  • Mumbai Area, India

  • Vice President

    • Jan 2019 - Sep 2020
    • Mumbai Area, India

    Leading Maharashtra Micro LAP Sales Team. Heading team of 3 ASM and 16 BSMs and 15 DSTs Driving the team for high yield and profitable business along with optimum insurance penetration. Distribution management to keep cost of acquisition within control. Business and Manpower planning and execution in sync with management policy. Setting up and improve various processes and policy to optimise TAT and overall business. Collection for less than 12 MOB cases.

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  Reliance Home Finance Ltd.

  • Mumbai Area, India

  • Regional Sales Manager

    • Apr 2017 - Jan 2019
    • Mumbai Area, India

    Key Responsibilities Leading Maharashtra Affordable Housing Sales Team. Heading 10 Branches, 4 ASM and 27 BSMs and 72 DSTs Driving the team for high yield and profitable business along with optimum insurance penetration. Enhancing income with high yield products, fee and insurance revenue Portfolio risk management with proper product mix and in sync with credit and other support team Driving Builder business by APF and by formulating builder and project specific special schemes to reduce cost of acquisition. Business and Manpower planning and execution in sync with management policy.  Setting up and improve various processes and policy to optimise TAT and overall business. Addition of new branch and location opening by assessing opportunity, risk and cost.Significant highlights Ever highest disbursement of 35 Cr in the month of July 2017. Recognised as “Guru of the Month” for October 2017 Received Badge of Honour Certificate for Insurance penetration in Q3 from CEO

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  Au Housing Finance Ltd

  • Rest of Maharashtra

  • Cluster Manager

    • May 2015 - Apr 2017
    • Rest of Maharashtra

     Leading Rest of Maharashtra Home Loan business and collections. Heading 8 Branches, 6 Portfolio managers, 14 Business Managers, 1 Collection Manager, 40 Sales Executives and 5 Collection executives.  Manpower and Distribution Management Successfully launched Nagpur, Jalgaon, Ratnagiri and Chiplun branch. Leading and monitoring of collection allocations and resolutions.  Managing capacity (productivity) & P&L of each branch.  Co-Ordination and meeting with Legal and Technical vendors for solving related issues and keeping portfolio at low risk.  Setting up and manage various business and operational processes.

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  Deutsche Bank

  • Mumbai Area, India

  • Area Sales Head

    • Apr 2013 - May 2015
    • Mumbai Area, India

    Key Responsibilities Leading a team of 2 Territory Sales Managers and 10 Sales Manager. Selection, on boarding and managing and guiding channel partners for LAP business.  Co-ordinating with Credit, Risk, Operation and Collection team to increase the profitability of the Branch. Co-Ordination and meeting with Legal and Technical vendors for solving case specific legal issues.  Framing strategies and implementation to achieve targets. Providing training to the SMs and channel Partners for updating the policy changes and to keep them motivated.  Managing OPEX and team P&LSignificant highlights Been mentor of two SMs for promoting them as TSM in less than one and half year. Successfully switched business module and team mindset towards LAP for higher revenue. Completely reversed LAP to HL ratio from 30:70 to over 90:10

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  Reliance Home Finance Ltd

  • Area Sales Manager

    • Sep 2009 - Mar 2013

    Key ResponsibilitiesLeading a team of Barnch Sales Manager, Unit Manager, Business Manager and Sales executives.Co-ordinating with Credit, Risk, Operation and Collection team to increase the profitability of the Branch.Co-ordinating with Insurance companies for Life Insurance General Insurance Sale.Look after Customer Care (CRM & MLMS) for Reliance Mortgage Team - Mumbai. That include from lead management to resolve customer escalation. Look after Branch Audit Internal, External and IT as an Audit team member Organising and participating in various property related Exhibition and other activities.Meeting and Tying up with corporate client like Knight Frank, Better home, Way2wealth etcFraming strategies and implementation to achieve targets.Providing training to the executives and call centre for updating the policy changes and to keep them motivated. Significant highlightsBeen Qualified among Top 3 BSM and among 6 people pan India for a Lunch with CEO.Over achieved the yearly target of FY 11-12 in all parameters.200% achievement in revenue generation through Third party cross sale.All my Branch Sales Managers achieved there target for FY 11-12. Won all foreign trip contest by over achieving business and Insurance target.Successfully established Alternative Channel Business (Vertical 2) for RHF

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  Indiabulls Housing Finance Ltd

  • Location Manager

    • Sep 2008 - Aug 2009

    Key ResponsibilitiesLeading a team of Sales Manager, Relationship Manager and Executives.Enabling successful building of DSA cannels and sourcing business through them for Loans against property, Housing loan and Insurance in assigned Location.Co-ordinating with Credit, operation and Collection team to increase the profitability of the Branch.Co-ordinating with Insurance companies (Max New York Life) for Life Insurance sale (Direct and banc assurance). Providing training to the executives and channel partners for updating the policy changes and to keep them motivated.

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  ICICI Bank Ltd

  • Branch Sales Manager (Grade M1)

    • Aug 2007 - Sep 2008

    Key ResponsibilitiesEnabling successful building of DSA and DST teams and sourcing business through them for ICICI loans against property in Mumbai region.Co-ordinating with ICICI Securities for the generation and closing of HNI leads and solving different issues.Framing strategies and implementation to achieve targets.Managing and co-ordinating with DSA to close potential leads. Providing training to the executives for updating the policy changes and to keep them motivated. Significant highlightsHighest insurance premium collected in Mumbai from a single case of 30 Lacs.Fixed deposit of Rs 100 Lacs from a Single Customer.

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  Cipla Ltd

  • Regional Sales Manager

    • Sep 2000 - Jul 2007

    Looking after Rest of Maharastra region for cardiovascular products.

  • Regional Manager

    • Sep 2000 - Jul 2007

    Key ResponsibilitiesLeading a team of 36 personnel including 5 Area Manager and Therapy Manager towards achieving profitable targets in the territories of Pune and rest of Maharastra.Preparing yearly targets & budgets after analysis of sales and Market Potential.Surveying new markets and performance analysis to create new business opportunity.Concentrating on customer's retention by often visiting personally and ensuring business.Undertaking recruitment, training, development & motivation of juniors.Conducting meets of managers and executives for monitoring activities in field, motivating and building team spirit to foster healthy competition amongst them.Significant highlightsPromoted as District Manager in 1.5 year and as Regional Manager within 3.2 years. The Average productivity per person was increased from Rs 2.1 Lakhs to Rs 3.8 Lakhs. Increased the team with proper planning and by expanding the market by utilizing market potential. Proud senior to 10 personnel who have taken higher managerial responsibilities.Have been the training coordinator in central training program of Cipla Ltd.

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  NIIT Ltd

  • Business Executive

    • Aug 1996 - Sep 2000

    Key ResponsibilitiesExecuting promotion and presentation activities of NIIT Brands to colleges and corporate & leading a team of 3 persons in the territories of Durgapur & Bankura of West Bengal. Directing house calls; organizing and managing promotional activities and advertisements.Performing market surveys for new opportunities.Delegating tasks among various personnel including Accounts, Academics and Sales Executives.