Manish Singh Kushwaha

Experienced and self-motivated for productivity and result orientation with more than 9 years of industry experience overseeing operations figures and new account developments. A strong leader with a track record of enhancing operational efficiency by reducing TAT and implementing strategic initiatives to boost customer retention. Equipped with a diverse and promising skill-set, conducive to creating positive team relationships resulting in optimal customer service under the policy.

Relationship Manager at YES BANK (2024-06 – Present)

• Assisted customers with account opening, documentation, and on boarding.
• Managed corporate relationships for ensuring seamless on boarding and service delivery.
• Successfully on boarded new corporate clients by executing direct sales strategies and conducting effective field visits.
• Generated revenue through banking products, Unsecured Business loan, insurance, and financial services.
• Identified and approached potential corporate clients for business opportunities.
• Coordinated with internal teams to ensure smooth service delivery.
• Ensured high customer satisfaction and service quality.

Team Leader | Business Loan | OD&CC at Indifi Technologies Pvt. Ltd. (2022-08 – 2024-03)

• Led unsecured business loan sales through a team of sales executives, consistently achieving monthly disbursement and revenue targets.
• Conducted data-driven analysis and implemented corrective actions to improve productivity and lead-conversion efficiency.
• Ensured all team members were equipped with required training, tools, and sales enablement support to enhance service quality and reduce TAT.
• Coordinated with internal teams to ensure smooth processing and timely loan disbursement within the defined TAT.
• Delivered structured coaching and feedback to boost individual and team outcomes.
• Created a performance-driven culture through motivation and mentorship.
• Reviewed applicants' banking transactions and CIBIL scores to identify credit risks and ensure compliance with lending policies.

Relationship Manager | Business Loan | OD&CC at Indifi Technologies Pvt. Ltd. (2019-01 – 2022-07)

• Achieved monthly targets for loan disbursement within TAT.
• Ensured the E-Nach and Escrow eligibility and activation.
• Coordinated with credit team and FI team to ensure disbursement.
• Worked for OD limit against the sales invoice and awarded Best Performer for Q2 (AMJ).
• Completed KYC for OD/CC and Unsecured Business Loan of different anchors.
• Completed the task on a daily basis with clear data on a regular basis.
• Analysed banking statements and CIBIL reports to assess customer creditworthiness and loan eligibility.

Associate Sales Manager at IndusInd Bank (2017-05 – 2018-12)

• Corporate Salary Account Acquisition.
• Cross sales (Loan, Insurance, Credit Card and Other Banking Products).

Sales Executive at Axis Securities Limited (2015-08 – 2017-04)

• Demat Account Sales through 3-4 Branches.
• Account Activation (Trading) and generate the brokerage.

PGDM – Doon Business School (2013-07 – 2015-05)

B Com in Commerce – SSPG College (2010-07 – 2013-05)

12th Commerce in Commerce – Govt City Inter College (2008-07 – 2010-05)