Dharshan Arrolla

To gain height of success in the corresponding field through hard work devotion and preference and prove myself to amongst the best.

Area Business Manager – Liabilities & Assets - The Gayatri Co-operative Urban Bank Ltd. - Jagtial Region (Rest of Telangana)

(2025-11)

• Handling Team of 157 members including BHs, BOM, Officers & Clerks in 17 branches across Jagtial region (Urban & Rural) namely Jagtial Main, Jagtial Town, Metpelly, Korutla, Morthad, Armoor, Nizamabad, Kamareddy, Bodhan, Nirmal, Raikal, Kodimial, Mallial, Dharmapuri, Gollapalli, Dharmaram & Pegadapally.
• Driving acquisition of assets product HL, LAP, Secured CC/OD, Gold Loan, Kisan Mitra Loans along with acquisition of liability products CASA,TASC & TD.
• Maintaining CD ratio at 90% across the region.
• Ensure sourcing quality of A/cs along compliance check.
• Improving liabilities portfolio of the branches by daily monitoring of Inoperative to operative a/cs & Re-kyc a/cs.
• Coordinating with Credit & risk team, legal and technical teams to ensure timely disbursements of the loan files.
• Regularly monitoring assets portfolio to ensure that there are no delinquencies, portfolio hygiene, post disbursement deferrals closure in time, security perfection.

Relationship Manager – Working Capital - Axis Bank Ltd. - Hyderabad (Telangana)

(2023-08 - 2025-10)

• Handling 439 HNI clients with 1 sales executive in 16 different branches across Hyderabad (6 branch),Nalgonda(1 branch),Suryapet(1 branch),Miryalaguda(1 branch),Khammam district(7 branch).
• Managing and growing existing portfolio of the customers in Agri,Food processing & MSME industries by offering loan products in line with customer requirements of Working Capital(fund based/non-fund based) & term loan facilities.
• Build a strong and robust customer base to increase both assets and liabilities,earn revenue by providing them high standards of service on an ongoing basis.
• Deepening relationship with existing customers through cross sell liability and other third party products.
• Continous monitoring of the accounts to ensure business as per the budgets.
• Regularly monitoring of the accounts to ensure that there are no delinquencies, portfolio hygiene,post disbursement deferrals closure in time, security perfection.
• Engaging with Credit & risk function, legal and technical teams, RCAD & GR team for customer.

Relationship Manager - Kotak Mahindra Bank - Rest of Andhra Pradesh & Maharashtra(Tier 2 cities)

(2022-09 - 2023-06)

• Handling LFR/MR dealers (Croma,Reliance Digital and Vijay Sales) and Open Market dealers in Vijayawada,Guntur,Nashik & Kolhapur with 60 sales executives.
• Acquiring new channel partners and developing a trusting relationship ensuring mutual gains.
• Driving business through dealers to meet the organizational target.
• Ensure customer satisfaction and ensure TAT times on disbursed applications and dealer payments.
• Maintain productivity at required level. Increasing penetration of retail assets.
• Accountable for reducing delinquency & improve recovery rates on the assigned portfolio.
• Ensure timely allocation of cases to collection officers based on geography & vintage & give sign off.
• Maintaining Relationship with Dealer.

Territory Sales Manager - IDFC FIRST BANK - Hyderabad (Telangana)

(2021-02 - 2022-09)

• Handling 160 Open Market dealers in Hyderabad with 40 sales executives.
• Acquiring new channel partners and developing a trusting relationship ensuring mutual gains.
• Driving business through dealers to meet the organizational target.
• Ensure customer satisfaction and ensure TAT times on disbursed applications and dealer payments.
• Maintain productivity at required level along with increasing cross sale penetrartion of Asset product such as MF,investment and other products.
• Accountable for reducing delinquency & improve recovery rates on the assigned portfolio.
• Ensure timely allocation of cases to collection officers based on geography & vintage & give sign off.
• Maintaining Relationship with Dealer.

Territory Sales Manager - Onsite Electro Services Pvt. Ltd.(OnsiteGo) - Hyderabad (Telangana)

(2020-09 - 2021-02)

• Handling 52 LFR stores of Bajaj Electronics in Hyderabad with 10 promoters.
• Meeting revenue targets through planning and execution.
• Negotiating contracts with partners and establishing timeline of performance.
• Collaborating with marketing team and ensuring appropriate advertising and brand promotion.
• Provide timely training to the store and brand promoters.
• Maintain productivity at required level.
• Ensure customer satisfaction and ensure TAT times on disbursed applications and dealer payments.
• Work towards building team relations and bringing in new initiatives to increase productivity.
• Create opportunities and utilize all the available organizational forums to state and reinforce the organizational vision.
• Efficiently introduced and launched key accounts such as Kohinoor Televideo Pvt. Ltd., S Mobiles, Sonovision,etc

Relationship Manager - Kotak Mahindra Bank Ltd. - Mumbai (Maharashtra)

(2019-02 - 2020-04)

• Handling team of 16 DSTs in 11 Diff. Retail Outlet of DIGI1 Pvt Ltd in Mumbai.
• Handled 3 different verticals namely Vijay Sales, Croma& Digi1 with total manpower of 41 DSTs in Mumbai.
• Maintaining Relationship with Dealer.
• Strategize, forecast, drive & execute plans including the hiring plans
• Coordinating with Collection,OPS,RCU& Other Departments.
• Maintain sales tracker & reconcile payment to dealer.
• Updating Dealer & Team about schemes & offers & regular changes taking place.
• Ensure sales & collection efficiency through daily reports & regular reviews with the team along with cross sale of retail liabliilities and assets such as MF,insurance and other retail assets related products.
• Managing team of Direct Collection Agents,SMA & Agency attached to various branches across the city for Unsecured Consumer Loans.
• Accountable for reducing delinquency & improve recovery rates on the assigned portfolio.
• Ensure timely allocation of cases to collection officers based on geography & vintage & give sign off.

Business Development Manager - Capital First Ltd - Mumbai (Maharashtra)

(2016-03 - 2018-12)

• Handling team of 24 SOs in 5 Diff. Retail Outlet of Vijay Sales.
• Providing training to New Joining.
• Maintain sales tracker & reconcile payment to dealer.
• Updating Team about schemes & offers & regular changes taking place.
• Promoted thrice from intern to Jr. BDO(Aug 2016 – Jan 2017) to Sr.BDO(Jan 2017 – March 2017) to BDM from April 2017 onwards.
• Create visibility at Dealer point for EMI schemes.
• Remember Finance scheme on CD product through mail update, and update to subordinate & dealer staff.
• Approach customer to purchase on Finance scheme with great communication.
• Closed the customer through various system tool.
• Pitch & closed cross sell to customer with effective communication.
• Assist subordinate and other colleagues for resolving various issues.
• Provide delight services to customer.
• Achievements
• Have won contests from CFL for winter festival (OND).
• Achieved average 25% growth in CD business at deployed Dealer point.
• Received Appreciation for Monthly target Achievement.
• Outstanding maintained below 7 days.

S.S.C - K.K Raj Popat High School, Mumbai (2001 - 2011)

H.S.C - Durgadevi Saraf College Of Arts & Commerce (2011 - 2013)

Bachelor of Commerce - Accounting & Financial Management - Ghanshyamdas Saraf College Of Arts & Commerce (2013 - 2016)

Masters of Commerce - Accounting & Financial Management - Ghanshyamdas Saraf College Of Arts & Commerce (2016 - 2018)