Experience

GIC Housing Finance Ltd (GICHFL)

• India
• Financial Services
• 100 - 200 Employee

• Area Head- NCR/Haryana

  • Oct 2013 - Present

  • Accountable for driving sales across various channels such as Direct Sales Team,Branches, DSAs, partners (Insurance Agents), and digital channels. Conducting regular weekly, monthly, and quarterly business reviews with over 10 DSTs and 25 DSAs • Preparing & recommending approval notes accompanied by comprehensive Credit Memos (CAM) for effective decision-making • Conducting regular portfolio analysis and performs case studies on delinquent borrowers, ensuring the delinquency ratio of the branch remains at a low level • Proactively focusing on maintaining the quality of acquired books by implementing measures to minimize rapid mortality and education within the gross NPAs of the sourced book • Driving the attachment percentage of life insurance and general insurance business, maximizing revenue opportunities • Conducting daily, weekly, and monthly reviews across channels and assumes responsibility for individual performance management throughout the various channels Show less



CareEdge Group

• India
• Financial Services
• 700 & Above Employee

• Officer-Business Development

  • Jan 2011 - Aug 2013

  •Successfully closed different grading products like RESCO Grading, ESCO Grading & Education Grading. •Identified revenue opportunities with both existing & new clients, & structured strategic proposals, negotiated business terms & conditions to close the transactions. •Generated business from existing customer & developed & executed a sales strategy resulting into new business. •Analysed market trends & tracked the competitor’s activities & subsequently provided valuable inputs. •Successfully closed different grading products like RESCO Grading, ESCO Grading & Education Grading. •Identified revenue opportunities with both existing & new clients, & structured strategic proposals, negotiated business terms & conditions to close the transactions. •Generated business from existing customer & developed & executed a sales strategy resulting into new business. •Analysed market trends & tracked the competitor’s activities & subsequently provided valuable inputs.



ICRA

• Financial Services
• 500 - 600 Employee

• Business Development | Senior Marketing Associate

  • Jun 2010 - Jan 2011

  •Approached the bank line units for credit rating business, & met the clients to provide the services for rating. •Co-ordinated with the analyst & operations team for the timely completion of rating. •Sourced the clients through meeting with senior banker, chartered accountant & various industry associations. •Approached the bank line units for credit rating business, & met the clients to provide the services for rating. •Co-ordinated with the analyst & operations team for the timely completion of rating. •Sourced the clients through meeting with senior banker, chartered accountant & various industry associations.



Ujjivan Small Finance Bank

• Banking
• 700 & Above Employee

• Distribution | CRM, Branch Manager

  • May 2009 - May 2010

  •Prepared work plan for the branch & looked after field operations. •Monitored & managed credit portfolio on a proactive basis by reviewing the external information sources, micro economic indicators & competitor landscape. •Pro-actively managed the credit risk within a distinct portfolio of counterparties in the particular region. •Prepared work plan for the branch & looked after field operations. •Monitored & managed credit portfolio on a proactive basis by reviewing the external information sources, micro economic indicators & competitor landscape. •Pro-actively managed the credit risk within a distinct portfolio of counterparties in the particular region.