Atul Ghule

Territory Manager - Hero Fincorp Ltd.

(2025-04)

Working as Territory Manager – Used Car Loans

To Build a Strong relationships with Used Car Dealers and DSA/Channels to Increase the Business.
Empaneled the New Dealers and DSA Channels and sourcing Business.
Increasing team proficiency to improve service levels and decrease processing time, thus ensuring greater customer satisfaction.
To maintain & distribute the target sheet to Relationship Managers.
Training on various Products & Policy to Internal Employee and & Dealer Counters.
Analysis of the loan cases of the client for our products offered & Calculation of Loan Eligibility & EMI's based on the parameters of Income & Asset Valuation.
Analysis ITR, Computation of Income & Balance sheet for Funding the Vehicle.
Analysis of the Bank Statements & Repayment Track Record (RTR) of the existing loans and Ensure completion of the File Documentation.
Team handling and Co-ordination with team Members.
Sanctioned the Files and Vehicle Finance, also maintained the collections Portfolio.
Handling Sale Purchase, Refinance & BT Top Up Loans & Settling Dealer's Monthly Pay-out and maintains monthly sales report.
To Provides Timely Disbursement to the Customers and Dealers on sanctioned cases.

Assistant Manager - Kotak Mahindra Prime Ltd

(2024-05 - 2025-04)

Working as Assistant Manager – Used Car & KPTR sales

Achieving Top- Up business from Pre approved database of existing customers.
Prepare sales plan for enhancing database conversion and help team to achieve targets. Manage daily business MIS.
Maintain Overall Average Lending Rate of Top-Up loans and cross sale penetration Customer acquisition through referrals or existing customer.
Managing sales profitability and target accomplishments for the assigned designation. Supervising the daily activities of Relationship Managers and ensure their productivity.
Working closely with other Departments for maintaining quality portfolio.
Handling customer grievances and ensuring suitable resolution.

Senior Relationship Manager - Piramal Capital & Housing Finance

(2022-06 - 2024-05)

I am working as Senior Relationship Manager for used car loan department.

On boarding Dealer & DSA Channel, Understanding their needs.
Managing sales profitability and target accomplishments for the assigned dealerships.
Train to new employees of company. Give them on field experience. If a new employee has any problems, teach them how problem can be solved
How to treat a customer, how can you justify the customer? How do the whole loan process.

Executive – Operations Automotive Sector - Mahindra & Mahindra Financial Services Ltd.

(2018-02 - 2022-06)

I work as a finance executive and financial services for Commercial as wellas Personal Segment.

Identified customer needs on sales floor and recommended appropriate solutions. Adept at describing complex products to consumers up selling customers on warranty enhancements.
Managing sales profitability and target accomplishments for the assigned dealerships.
Achieved monthly sale closing goals on a consistent basis.
Train to new employees of company. Give them on field experience. If a new employee has any problems, then how can they be solved.
How to treat a customer, how can you justify the customer? How do the whole loan process.

Executive Associate – Accounts Department - Mahindra & Mahindra Financial Services Ltd.

(2015-06 - 2018-02)

I work as a Executive Associate for Accounts Department.

Associate – Operations (Billing Dept.) - Sahyadri Super Specialty Hospital

(2014-05 - 2015-06)

TPA Co-Ordinator / Billing Assistant - Shatabdi Super Specialty Hospital

(2013-06 - 2014-05)

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