Experience

Tezzract Fintech

• National Sales Head

  • May 2023 - Present

  Mumbai, Maharashtra, India



IDFC FIRST Bank

• India
• Banking
• 700 & Above Employee

• Vice President

  • May 2020 - Jun 2023

  India



KapitalTech

• India
• Financial Services
• 1 - 100 Employee

• National Sales Head - SBL

  • Jul 2016 - May 2020

  Mumbai, Maharashtra, India  Contribution in formulating effactive Credit Policy, through Reject Analysis & Portfolio Analysis.  P&L Management of Business Loan products  Identification of the new business opportunities  Building on the channels (DSA, Open market, Alternative channels) to penetrate the market  Strategising the expansion of the portfolio by driving operational efficiencies across all locations  Ensuring portfolio health by monitoring the portfolio quality  Building a team of sales… Show more  Contribution in formulating effactive Credit Policy, through Reject Analysis & Portfolio Analysis.  P&L Management of Business Loan products  Identification of the new business opportunities  Building on the channels (DSA, Open market, Alternative channels) to penetrate the market  Strategising the expansion of the portfolio by driving operational efficiencies across all locations  Ensuring portfolio health by monitoring the portfolio quality  Building a team of sales professionals pan India (180 Locations) & work on training and development requirements  Contribution in business enablers like Collections, Credit & Product Responsible for tie ups with BPOs, BTL Activities Partner, Business Alliances and Digital Partners  Responsible for maintaining effective COA and COS.  Effective Data Procurement for higher Productivity of SMs  Managing and evaluating various BTL activities like SMS Blast, Mailers etc though various tie ups  Creating and Managing various Business Alliances to generate Direct Leads  Managing the relationship with Agency for Digital Marketing Activity  Maintaining a healthy Conversion rate for Renewals across India. Show less



NeoGrowth Credit Pvt Ltd

• India
• Financial Services
• 500 - 600 Employee

• Location Head

  • Sep 2013 - Jun 2016

  Mumbai Own the P&L for unsecured business (Merchant Cash Advance) in Mumbai, reporting to Sr. VP Sales & Marketing  Handling both DST and RA Team.  Ensure sourcing quality & underwriting diligence to meet sales targets while controlling delinquencies and frauds  Maintain a strong coordination with collection as tenure is very short and receivables to be checked on daily basis  Monitoring City performance in terms of key drivers i.e. PF, IRR, COA etc.  Develop specific strategies… Show more Own the P&L for unsecured business (Merchant Cash Advance) in Mumbai, reporting to Sr. VP Sales & Marketing  Handling both DST and RA Team.  Ensure sourcing quality & underwriting diligence to meet sales targets while controlling delinquencies and frauds  Maintain a strong coordination with collection as tenure is very short and receivables to be checked on daily basis  Monitoring City performance in terms of key drivers i.e. PF, IRR, COA etc.  Develop specific strategies for the Channel Business and DST to accelerate growth  Identifying the need of sales training, analyzing changing market trends, channel deployment etc. Also giving feedback & suggestions to top management.  Managing and supporting the effective deployment of team of sales professionals with respect to that geographical area, exploring new markets and in allocating resources to most profitable opportunities.  Creating a strong & compliant sales culture across the channel to drive acquisitions, profitability and employee development.  Recruitment, Training and Motivation of Sales Team to ensure higher levels of performance based on a thorough understanding of competitive environment and customer needs  Take sound lending credit decisions based on available information & interactions with the Merchants  Periodic review of progress vs. objectives Show less



HDB Financial Services Ltd.

• India
• Financial Services
• 700 & Above Employee

• Branch Manager

  • Jan 2013 - Aug 2013

  Mumbai Area, India  Handle PIL, BIL and LAP.  Reporting to Regional Manager – Branch Lending  Achieve contributed value targets set for the branch  Ensure all components of the branch model function as per design  Ensure sales volumes for multiple products, sourcing quality & underwriting diligence to meet sales targets while controlling delinquencies and frauds  Sales, Credit, Operation and Collection all reports to me.  Manage TAT’s on credit & processing  Minimize pre & post… Show more  Handle PIL, BIL and LAP.  Reporting to Regional Manager – Branch Lending  Achieve contributed value targets set for the branch  Ensure all components of the branch model function as per design  Ensure sales volumes for multiple products, sourcing quality & underwriting diligence to meet sales targets while controlling delinquencies and frauds  Sales, Credit, Operation and Collection all reports to me.  Manage TAT’s on credit & processing  Minimize pre & post disbursal discrepancies  Monitoring Branch performance in terms of key drivers i.e. PF, IRR, COA etc.  Enhance Employee Productivity & Retention  Develop and implement strategies for the Channel Business to accelerate market share  Responsible for cross selling products like Life Insurance, General Insurance, etc  Maintaining Branch Audits  Respect & adhere to the guidelines of the company on all fronts to have appropriate compliances  Identifying the need of sales training, analyzing changing market trends, channel deployment etc. Also giving feedback & suggestions to top management. Show less



Sway Group

• United States
• Advertising Services
• 1 - 100 Employee

• Director

  • Jan 2012 - Dec 2012

  Sasaram, Bihar  Managing “Sway Institute of Personality Development” an institute for competitive exams like UPSC, BPSC, Banking, SSC etc and Personality Development.  Managing “22 Yards The Dhaba” a cricket theme based restaurant.  Managing “Pragya Niketan” a residential school till std 5.  Managing “Bhavishya Seva” an NGO for BPL students, preparing them for competitive exams.



Barclays Finance

• Spain

• Branch Manager

  • Apr 2008 - Dec 2011

  Mumbai Area, India  Handle PIL and PIL  Handle the branch (teams and clients) independently and maintain profit making center by generating revenue and ensuring maximum productivity, handling the sales, service and branch operation  Responsible for P&L of the branch as per budgets  Reporting to Area Manager – Branch Distribution  Responsible in planning & executing the growth of sales in the branch through channel sales and in-house sales  Develop and implement strategies for the Channel… Show more  Handle PIL and PIL  Handle the branch (teams and clients) independently and maintain profit making center by generating revenue and ensuring maximum productivity, handling the sales, service and branch operation  Responsible for P&L of the branch as per budgets  Reporting to Area Manager – Branch Distribution  Responsible in planning & executing the growth of sales in the branch through channel sales and in-house sales  Develop and implement strategies for the Channel Business to accelerate market share  Monitor Employee Productivity of the team of Customer Relationship Managers, DSAs, Team Leaders and Tele-Callers; Retaining high performers and replace poor performers  Accountable for providing superior customer experience  Ensure implementation of promotional plans & contests and suggesting new and innovating promotion plan for the area of work.  Prepare MIS reports as prescribed and monitor and keep a track of the target vs. achievement figures on a daily basis  Complaints Handling and Revenue generation with the help of team  Responsible for cross selling products like Life Insurance, General Insurance, etc  Maintaining Branch Audits  Respect & adhere to the guidelines of the company on all fronts to have appropriate compliances  Won “Young Turks” award, “Soaring Eagle” award and “Best Performer for QTR” twice in last one year, was part of “The Vital Few” a training platform for future managers consists of top 2% performers.  No-1 in total portfolio and No-2 in In-house portfolio in West. Show less



Icici Securities Ltd

• Motor Vehicle Manufacturing
• 1 - 100 Employee

• Centre manager

  • Apr 2007 - Mar 2008

  Mumbai Area, India  Responsible for leading a result oriented team and is responsible for managing the branch profitability, ensuring high quality service and Customer Relationship Management, people management and MIS  Reporting to Cluster Head  Ensure achievement of overall branch targets by generating business and cross sales  Managed business acquisition and market mapping  Maintaining and developing relationships with the High Net worth Individual customers through individualized customer… Show more  Responsible for leading a result oriented team and is responsible for managing the branch profitability, ensuring high quality service and Customer Relationship Management, people management and MIS  Reporting to Cluster Head  Ensure achievement of overall branch targets by generating business and cross sales  Managed business acquisition and market mapping  Maintaining and developing relationships with the High Net worth Individual customers through individualized customer service for a select group  Responsible for identifying customer needs and assessing their risk appetite  Ensures high levels of customer service orientation and application  Plans and conducts special sales initiatives and events for prospective and existing clients  To achieve monthly, quarterly & yearly business targets through desired relationship management  Periodic review of progress vs. objectives  Handling customer queries with zero escalation to senior management  Review branch Operations reports  Branch Merchandising & co-ordination with Marketing at product level  Own all branch objectives and overall branch supervision  Ensure Revenue generation with the help of team  Responsible for selling products like Insurance, Mutual funds, Equity, Assets, PMS etc to the existing set of customers and building depth within the existing relationships  Was highest achiever in PL for 6 continuous months, 2nd highest in Mutual Fund Show less



Essilor

• Medical Equipment Manufacturing

• Sr. Sales Officer

  • 2005 - 2007

  Mumbai Area, India  Handling Mumbai, Pune, Aurangabad and Nagpur.  Reporting to Regional Sales Manager.  Responsible for sales & marketing operations to achieve the monthly target and increase the profitability  Development of systems and processes for the new product in the area  Timely collection of receivables  Recruitment, Training and Motivation of Direct Sales Team to ensure higher levels of performance based on a thorough understanding of competitive environment and customer needs … Show more  Handling Mumbai, Pune, Aurangabad and Nagpur.  Reporting to Regional Sales Manager.  Responsible for sales & marketing operations to achieve the monthly target and increase the profitability  Development of systems and processes for the new product in the area  Timely collection of receivables  Recruitment, Training and Motivation of Direct Sales Team to ensure higher levels of performance based on a thorough understanding of competitive environment and customer needs  Imparting Class room Training on products or selling skills during Induction programs or Cycle meets and field trainings  Sales analysis & forecasting and Generating MIS periodically to assess situation  Strategizing, planning & implementing new ideas of business  Improve business generation from new and existing clients  Devising strategies and promotional plans for selective customers  Identify the customer requirement and need gaps and work towards bridging the same  Tracks customer complaints/queries and turnaround times for customer satisfaction  Won “Best Sales Person of the Year” twice and “ Most Dealer in the Year” once. Show less



Titan Industries

• United States
• Industrial Machinery Manufacturing
• 1 - 100 Employee

• Sales Executive

  • Sep 2003 - Jan 2005

  Nasik Area, India  Handling one of the toughest SMU for Titan, Nasik.  Reporting to Area Sales Manager  Achieving the monthly sales targets both Primary and Secondary.  Market coverage and Cracking competition  Accurate sales forecasting  Devising strategies and promotional plans for different channels  Responsible for marketing of “The World of Titan” & “Time Zone”  Maintaining profitable and adequate stock level at “Re-distribution Stockiest”  Developing business plan and… Show more  Handling one of the toughest SMU for Titan, Nasik.  Reporting to Area Sales Manager  Achieving the monthly sales targets both Primary and Secondary.  Market coverage and Cracking competition  Accurate sales forecasting  Devising strategies and promotional plans for different channels  Responsible for marketing of “The World of Titan” & “Time Zone”  Maintaining profitable and adequate stock level at “Re-distribution Stockiest”  Developing business plan and updating seniors with reports for the territory Show less