Area Sales Manager – Supply chain finance at TATA CAPITAL LTD (2024-01 – Present)
- To Increase the book size of Supply chain finance business by acquisition of new customer-Auto & Nonauto through team of Relationship Managers and giving best possible solution to all the existing customers/dealers. Growing business with profitability and maintaining quality and hygiene.
- Catering to all Anchor related to IT sectors, Steel, rubber, Electronics, Paints, spare parts, chemicals, Polyfoams sector, auto sector, Agri equipment, Lubes spares business, Agri & food processing, packaging, chemical, polymer films traders, Battery & electricals goods, etc. of the allotted area (UP & UK) for Supply Chain Finance & WCDL Limits.
- Supporting Audit team and closely monitoring the health of the dealers, recovery from overdue accounts and periodic renewals. Maximization of retail business from the auto dealer finance counter.
- Manufacturer/OEM relationship and market information. Teamwork, Inter department interaction, coordination. Dealer relationship Management with minimum escalation. To connect all customers of the region, understand the funding requirement in own trade. Growing business both organically and inorganically with budgeted margin. Other income target. Satisfying documentation for Audit and compliance.
Wholesale Manager – Dealers supply chain finance at Kotak Mahindra Prime Limited (2022-12 – 2024-01)
Catering to Auto dealers of the allotted area with Nil NPA portfolio size of 380+ Cr.
- Catering to Auto dealers (Maruti, Toyota, Honda, Hyundai, Mahindra, BYD, Audi, Skoda, WV & Citroen) of the allotted area (UP, Bihar, Jharkhand) with Nil NPA portfolio size of 380+ Cr.
- Catering customer needs through customization in following standard products i.e., Inventory funding RSTL, Drop-line Overdraft, dealership establishment funding, and machinery equipment funding with avg IRR of 9-10% and 0.84% of fee Income for new onboardings.
- Monitoring the LTR – NPA and SMA2, Credit Monitoring (Audit SOT clearance, follow-ups), prompt revert on churning / Term. loan CIR, overdue clearance.
- To Growing business with profitability and maintaining quality and hygiene. Maximization of retail business from the dealer finance counter. Manufacturer relationship and market information. Teamwork, inter department interaction, to connect all prospect dealers of the allotted region, understand their funding requirement. Other income target. Closing all the documentation for new acquisition and renewals. Arrange Annual reviews completed without extension.
- Retail from wholesale channel –Supporting retail team to improve retail penetration from the dealer counter.
Relationship Manager – MSME Alliance (Supply chain Finance) at TVS Credit Services Limited (2021-12 – Present)
Catering to all Anchor related to IT sector, auto sector, Agri equipment, Lubes spares business, Agri & food processing, packaging, chemical, polymer films traders, Battery & electricals goods, etc.
- Catering to all Anchor related to IT sector, auto sector, Agri equipment, Lubes spares business, Agri & food processing, packaging, chemical, polymer films traders, Battery & electricals goods, etc. of the allotted area (UP, Bihar, Jharkhand) for supply chain finance & WCDL.
- Coordination with tie-ups Fintech's (Loan frame, Mynd, Vayana, billions loan, etc.) carryout the entire operation and execution process from loan sanction to legal to disbursement till onboarding.
- Portfolio managing, account compliance & renewable, transaction issues handing, anchor projection & planning coordination, regularity customer accounts review.
- Primarily working on utilization of accounts limit & Fees income, maintain healthy portfolio.
- Regular meeting & develop relation with Anchors, understand market scenario for business grow.
Cluster Manager –SME-Channel Finance at Mahindra & Mahindra Financial Services Ltd. (2014-03 – 2021-11)
Catering to 22 Auto dealers (Four-wheeler, FES & CV) and 9 Non-Auto dealers of the allotted area with Nil NPA portfolio size of 110+ Cr.
- Catering to 22 Auto dealers (Four-wheeler, FES & CV) and 9 Non-Auto dealers of the allotted area (UP, Bihar, Jharkhand) with Nil NPA portfolio size of 110+ Cr.
- Catering customer needs through customization in following standard products i.e., Inventory funding RSTL, Drop-line Overdraft, Loan against Insurance receivables, and term loan with avg IRR of 11% and 0.53% of fee Income for new onboardings.
- Carryout the entire operation and execution process from loan sanction to legal to disbursement.
- Primarily increasing the loan book size and processing fees Income.
Senior Relationship officer – (Schematic Loan products) at Axis Sales & Securities Ltd (2010-10 – 2014-03)
- Referral Sourcing through branch & open market for Working Capital, OD, BG, Letter of Credit & Term Loans.
- Analysis of Financials to fit in the products policy with Site/plant/property visit.
- Co-ordination with Credit Analyst for sanctioning & carry out the entire operation process of a disbursement within the specified TAT.
- Responsible for maintained excellent portfolio quality with Nil NPA level.
- Strategize activities for achieving the targets assigned for business and Income growth.
Marketing Officer – SME (Business Loans) at Magma CF Financials Ltd. (2009-10 – 2010-09)
- Business development via direct & business correspondence model.
- Coordinate with client leads provided by the tele sales team and converting leads into business.
- Consistent achievement of monthly targets.
- Takes care of entire operation & execution of documentation part pre-sanction to disbursement
Assistant Sales Manager – SME (Business Loans) at India bulls Financial Services Ltd. (2006-10 – 2009-09)
- Managing a team of 3 Sales Officer for sourcing SME business in Lucknow cluster.
- Achieve COA (Cost of Acquisition) Targets.
- Responsibilities of cross-Sell products sales & maintaining customer relationships.
- Maintaining TAT in the operational process.
