Arnold Thomas
Cluster Head – Auto & Retail Finance
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About
Results-driven Auto Finance & Retail Lending Leader with over 23 years of experience across SBI Securities, Axis Bank, Volkswagen Finance, Axis Securities, and Kotak Mahindra Prime. Proven expertise in cluster management, large-scale sales operations, dealer financing, cross-sell products, and team leadership across Gujarat markets. Consistently delivered high-volume growth (₹80–130 Cr/month) with strong dealer relationships and disciplined execution.
Experience
Cluster Head – Auto Loans at SBI Securities Limited (2025-09 – Present)
- Driving monthly turnover of ₹80–130 Cr in New Car Loans.
- Managing Anand to Vapi cluster, including Surat & Baroda modules.
- Handling 1,200–1,500 vehicle finance units per month.
- Leading and supervising Sales Managers and frontline teams.
- Driving cross-sell targets for Housing Loans & Education Loans.
- Providing Inventory Funding solutions to automobile dealers.
- Building customer databases for long-term engagement and repeat business.
Area Sales Manager (Manager) at Axis Bank Ltd. (2022-08 – 2025-09)
- Delivered ₹34–36 Cr annual turnover in Sampann Loans.
- Managed New Car Finance across Surat, Vapi, Baroda & Anand.
- Led sales teams and controlled all regional sales & marketing activities.
- Achieved cross-sell targets for Insurance & CASA products.
- Structured Trade Advances (TA) during festive seasons.
- Strengthened dealer and customer databases for future revenue.
Sales Manager at Volkswagen Finance Pvt. Ltd. (2012-08 – 2020-12)
- Generated ₹30–35 Cr annual business consistently.
- Managed New & Used Car Finance, Wholesale Term Loans, LAP, and Mortgages.
- Oversaw funding for spare parts, dealer inventory, and festive finance schemes.
- Handled locations: Surat, Navsari & Bharuch.
- Promoted General Insurance & Extended Warranty products.
Senior Team Leader at Axis Securities & Sales Ltd. – Surat (2007-03 – 2012-07)
- Delivered ₹60 Cr annual turnover with full ownership of sales & after-sales.
- Managed relationships with premium dealerships: Hyundai, Maruti, Honda, Toyota, Mercedes, BMW, Audi, Skoda, Tata, Ford.
- Led cross-sell businesses: Home Loans, Mortgages, Insurance & Mutual Funds.
- Managed a team of 11 Executives & Sr. Executives.
- Coordinated closely with Operations, Credit & Collections teams.
- Actively involved in dealer events, promotions, and campaigns.
Team Leader at Kotak Mahindra Prime Ltd. (Off-roll) (2002-01 – 2007-03)
- Managed entire Surat dealer network including Hyundai, Maruti, Toyota, Skoda & Tata.
- Led a direct sales team of 4 executives.
- Responsible for sales targets, after-sales, advertising & promotions.
- Conducted credit appraisal in line with auto loan policies.
Education
B.Com – Vinayaka Missions University
