Regional Head-Home Loans at SBI CAP SECURITIES (2017-11 – Present)
Responsible for leading and overseeing all aspects of Home Loan sales operations for two branches, driving revenue growth, and achieving organizational targets.
- Managed a team of one Cluster Head, 11 Sales Managers, and 135 Sales Officers across Visakhapatnam and Rajahmundry branches.
- Oversaw sales and distribution of Retail Assets, including Home Loans, driving revenue generation and market share growth.
- Developed and implemented creative marketing campaigns tailored to specific customer segments, resulting in increased brand visibility and lead generation.
- Monitored daily operations, including sourcing, sanctioning loan files, and ensuring adherence to internal policies and risk management practices.
- Analyzed market trends, customer demographics, and competitor activities to identify opportunities and develop effective sales strategies.
Area Head at Aditya Birla Housing Finance (2015-10 – 2017-11)
Responsible for overseeing all sales, credit, and operations for Home Loan products across two branches, ensuring achievement of business objectives and exceptional customer service.
- Led and mentored a team of 3 Sales Managers and 6 Sales Officers across Visakhapatnam and Vijayawada branches, fostering a high-performing and customer-centric sales culture.
- Drove sales growth and profitability for Home Loan products, exceeding targets and expanding market presence in assigned territories.
- Managed all aspects of the loan lifecycle, from customer acquisition and credit evaluation to disbursement and post-disbursement services, ensuring smooth operational efficiency and customer satisfaction.
- Implemented effective sales strategies and promotional campaigns to increase brand awareness, generate leads, and drive conversions in a competitive market.
- Collaborated with internal stakeholders, including credit, operations, and marketing teams, to streamline processes and enhance service delivery.
- Recognized with the "Best Area Head Award" for outstanding contributions to business growth and team leadership.
Sr. Sales Manager at Axis Bank (2015-03 – 2015-10)
Responsible for managing the Direct Sales Agent (DSA) channel for Home Loans and Mortgages, driving sales growth, and ensuring channel profitability.
- Managed and grew relationships with 12 top-performing Direct Sales Agent (DSA) channels in Visakhapatnam, driving mortgage loan sales and exceeding business targets.
- Developed and executed strategic initiatives to onboard new DSA partners and connectors, expanding market reach and enhancing lead generation capabilities.
- Conducted regular training programs for DSA teams on product knowledge, sales techniques, and credit policies, enhancing their skills and improving overall sales performance.
- Organized and implemented contests and incentive programs for DSA channels, motivating high performance and driving revenue growth in a competitive market.
- Collaborated closely with internal credit and operations teams to ensure efficient loan processing, adherence to regulatory guidelines, and timely disbursement of funds.
Territory Manager at IIFL (2014-02 – 2015-03)
Responsible for managing Home Loan sales for a designated territory, leading a team of sales professionals, and ensuring the achievement of sales and revenue targets.
- Managed a team of sales professionals across Visakhapatnam, Rajahmundry, and Vijayawada, providing coaching, mentorship, and performance feedback to drive sales excellence.
- Oversaw Home Loan sales operations for a network of 29 IIFL branches in and around Visakhapatnam, developing and implementing sales strategies to penetrate the market and achieve business objectives.
- Drove customer acquisition and retention initiatives, building strong relationships with clients and ensuring high levels of customer satisfaction throughout the loan process.
- Managed the entire loan lifecycle, including lead generation, credit evaluation, loan processing, disbursement, and post-sales service, ensuring operational efficiency and adherence to regulatory guidelines.
- Consistently achieved revenue targets for Home Loan products, contributing significantly to the company's overall sales growth within the assigned territory.
Regional Sales Manager at IndusInd Bank (2011-01 – 2013-01)
Responsible for overseeing all sales and business development activities for Home Loans, LAP, Lease, and other banking products across the Andhra Pradesh region, ensuring achievement of revenue targets and profitability goals.
- Led and managed a team of 15 direct reportees, driving sales growth and profitability across a diverse portfolio of banking products, including Home Loans, Loan Against Property (LAP), and Lease financing.
- Developed and implemented strategic sales plans, targeting all branches across the Andhra Pradesh region, resulting in increased market penetration and brand visibility.
- Managed the entire sales cycle, from lead generation and customer acquisition to credit appraisal, loan sanctioning, and disbursement, ensuring adherence to regulatory guidelines and risk management practices.
- Conducted regular market research and competitive analysis to identify new business opportunities, emerging trends, and customer needs, informing sales strategies and product development initiatives.
- Collaborated closely with internal stakeholders, including product, credit, operations, and marketing teams, to streamline processes, enhance service delivery, and improve customer satisfaction.
- Organized and executed special events and marketing campaigns to promote brand awareness, generate leads, and drive conversions in target customer segments.
Sales Manager at ICICI HFC (2006-07 – 2010-11)
Responsible for managing all aspects of Home Loan sales, from customer acquisition and credit evaluation to loan disbursement and post-sales service, ensuring a positive customer experience and achieving business objectives.
- Started as a Relationship Officer, responsible for both sales and credit underwriting for Home Loans, demonstrating strong analytical and customer service skills.
- Promoted to Assistant Manager in 2007, leading a team of 6 Junior Officers and overseeing Home Loan sales for 6 ICICI Bank branches in Visakhapatnam, showcasing strong leadership and team management capabilities.
- Successfully built and maintained relationships with high-net-worth (HNI) clients, providing personalized financial advice and customized Home Loan solutions to meet their unique needs.
- Conducted comprehensive credit checks, reviewed financial documents, and made recommendations to the Credit Manager, consistently demonstrating sound judgment and risk management skills.
- Collaborated effectively with branch staff, conducted daily meetings with direct reports, and attended sales calls, fostering a collaborative and results-oriented work environment.
- Successfully onboarded and managed relationships with builders, securing project approvals from ICICI Bank, and expanding the company's reach in the real estate market.
- Delivered training programs for executives and Direct Marketing Agencies on product knowledge and policy updates, ensuring adherence to company standards and industry best practices.
- Consistently achieved and exceeded sales and credit targets for Home Loan products, demonstrating a strong track record of driving business growth and profitability.
- Earned three promotions within a span of five years at ICICI Bank, highlighting exceptional performance, leadership potential, and commitment to exceeding expectations.
Sales Trainee at Max New York Life (2005-06 – 2006-07)
Responsible for driving sales of insurance products, building strong customer relationships, and providing training and support to new insurance agents.
- Successfully completed a comprehensive sales training program at Max New York Life, gaining a strong foundation in insurance products, sales techniques, and customer relationship management.
- Proactively engaged in direct sales of insurance products, building rapport with potential clients, identifying their needs, and providing tailored solutions to meet their financial goals.
- Conducted effective product presentations and demonstrations, highlighting the benefits and features of various insurance plans to educate and engage potential customers.
- Successfully trained and mentored new insurance agents, sharing product knowledge, sales strategies, and best practices to enhance their sales skills and drive overall team performance.
- Achieved recognition as "Premium Leader" for three consecutive months, demonstrating exceptional sales performance and a strong work ethic.
- Awarded a medal at the annual day celebrations of Max New York Life, recognizing outstanding contributions to sales excellence and commitment to customer satisfaction.
