Manish Kumar

Seeking a position where my knowledge can be shared and enriched. An opportunity where I apply my knowledge. I would like to contribute effectively for the growth of organization I work for which I am sure, will in turn contribute to my personal growth.

SENIOR EXECUTIVE IN CAR LOANS at ICICI BANK LTD. (2017-01 – 2018-07)

• Direct department there we establishing and maintain long term relationship with clients.
• Selling car loan.
• Check customer eligibility
• Educating the client
• Login to disbursal do by own self

EXECUTIVE IN CAR LOANS at MAHINDRA FINANCE (2018-07 – 2019-10)

• Direct department there we establishing and maintain long term relationship with clients.
• Selling car loan.
• Check customer eligibility
• Educating the client
• Login to disbursal do by own self
• Doing hard bucket, soft bucket & npa collection
• Physical verification doing by own self.

SENIOR EXECUTIVE IN CAR LOANS at AU SMALL FINANCE BANK LTD (2019-10 – 2021-10)

• Direct department there we establishing and maintain long term relationship with clients.
• Selling car loan. LCV and SCV loan
• Check customer eligibility
• Used and new vehicle loan
• Login to disbursal do by own self
• Doing hard bucket, soft bucket & npa collection.
• Physical verification doing by own self.

SALES MANAGER IN CAR LOANS at HDB FINANCIAL SERVICES LTD. (2021-10 – 2022-08)

• Team Handling
• Direct department there we establishing and maintain long term relationship with clients.
• Selling car loan. LCV and SCV loans
• Check customer eligibility
• Used and new vehicle loan
• Login to disbursal do by own self
• Doing hard bucket, soft bucket & NPA collection.

SENIOR LOAN ASSOCIATE at VALUEDRIVE TECHNOLOGIES PVT. LTD. (SPINNY) (2022-08 – 2023-10)

• Direct department there we establishing and maintain long term relationship with clients.
• Selling car loan.
• Check customer eligibility.
• Educating the client
• Login to disbursal do by own self
• Doing hard bucket, soft bucket & NPA collection.
• Physical verification doing by own self.
• MIS maintaining

AREA MANAGER at Turno (Blubble Pvt Ltd) (2023-10 – 2025-08)

• Financing Electric Vehicles (Three Wheeler and four wheeler), small commercial vehicles.
• Direct Department focuses on building and sustaining long-term client relationships.
• Maintaining relationship with dealerships.
• Maintaining relationship with lenders.
• Handling collection till 6 months.
• Maintaining and analyzing MIS reports to monitor performance, disbursement trends, delinquency ratios, and collection efficiency.
• Monitoring competitor activity and providing market insights to support strategic decision-making.
• Ensuring compliance with company policies and regulatory guidelines in all operational activities

Area Sales Manager at Juhie India Pvt. Ltd. (2025-11 – Present)

• Financing CNG and Electric Vehicles (Three Wheeler and four wheeler), small commercial vehicles.
• Direct Department focuses on building and sustaining long-term client relationships.
• Maintaining relationship with dealerships.
• Handling collection till 6 months.
• Maintaining and analyzing MIS reports to monitor performance, disbursement trends, delinquency ratios, and collection efficiency.
• Monitoring competitor activity and providing market insights to support strategic decision-making.
• Ensuring compliance with company policies and regulatory guidelines in all operational activities
• Conducted market analysis, identifying new opportunities for expansion.
• Trained and mentored team members, improving overall performance by 20%.

Secondary Education – Govt. co. ed. Sr. Sec. School (CBSE) (2006)

Bachelor of Business Administration in Business Administration – Sikkim Manipal University (Distance Education) (2012)