Niladri Mukherjee

Sales and Business Development Leader with 18+ years of experience across banking, NBFC, financial services, fin tech lending, and enterprise consulting. Experienced in regional business management, P&L ownership, multi-branch operations, lending portfolio growth, corporate acquisition, channel development, and sales-team leadership. Strong expertise across MSME lending, Loan Against Property (LAP), Loan Against Securities (LAS), Business Loans, Working Capital, Business Overdraft, mortgage and retail assets.

Proven ability to build DSA/IFA/MFD and corporate partner ecosystems, manage CXO relationships, improve sales productivity, and deliver sustained business growth.

Area Manager at Abhi Loans (Fin Tech / NBFC) (2026-02 – Present)

• Lead end-to-end regional business operations with P&L responsibility across 27 branches in West Bengal
• Drive growth across MSME Loans, Business Enterprise Finance, Loan Against Securities (LAS), Business Overdraft (OD) and partner lending
• Lead a 45+ member sales organization, including 18 direct Business Executives, Relationship Managers and channel partners
• Expanded distribution by onboarding and developing 63+ DSA, IFA, MFD, franchise and strategic channel partners; managed a broader ecosystem of 160+ business partners and franchises
• Acquire corporate relationships through consultative selling, key account management, executive presentations and partner engagement
• Coordinate with Credit, Operations, Legal, Collections and Risk teams to improve loan processing, turnaround time, portfolio quality and customer experience

Business Development Manager – Lending at NJ Capital (2024-11 – 2025-12)

• Managed lending business across 9 branches with approximately 54 RM / Unit Manager resources and 9 direct Business Development Executives
• Drove business through Branch Banking, DSA, IFA and strategic business partners, including 63+ business partners, 18 franchises and 9 corporate channels
• Delivered 120%+ target achievement across MSME Loans, LAS, Partner Finance, Working Capital, Business OD, Product Finance, Travel Finance and Auto Finance
• Built and strengthened partner productivity through onboarding, activation, training and relationship management
• Acquired corporate clients through consultative selling and executive-level business presentations
• Coordinated the end-to-end lending life cycle: credit, documentation, processing, disbursement, compliance, collections support, customer servicing and escalations

Business Manager – Pre-Sales & Consulting at BM Solutions (IT Solutions & Services) (2021-10 – 2024-11)

• Led enterprise sales and business development for IT consulting and digital transformation solutions across multiple industry segments
• Managed the full sales life cycle from requirement analysis and solution consulting through commercial proposals, project planning, implementation and post-deployment support
• Built relationships with CXO, Managing Directors, IT Heads and senior decision-makers to grow strategic accounts and repeat business
• Managed project budgeting, resource planning, stakeholder communication, governance and risk management while coordinating with technical teams and implementation partners

Relationship Manager – Retail Assets & Business Banking at ICICI Bank Limited (2016-04 – 2021-10)

• Managed Retail Assets and MSME Lending business across multiple branches through branch banking, DSA development, corporate acquisition and strategic partnerships
• Generated average monthly business volume of ₹1 Crore+ and consistently achieved 120%+ of assigned sales targets
• Managed MSME Loans, Business Loans, Working Capital, Business OD, GOLD Loan, Home Loans, LAP, Vehicle Finance and POS Finance portfolios
• Built DSA, Chartered Accountant, Builder, Developer, SME and Corporate Referral networks to expand market coverage and customer acquisition, developed market penetrations through product presentations and promotional activities through corporate channel and business partners & DSA's
• Cross-sold CASA, Fixed Deposits, Insurance, SIP and Wealth Management products to improve customer wallet share
• Led 9 Sales Executives & Officers, supported 9 branches and managed coordination with a 27-member DSA ecosystem
• Coordinated with Credit, Legal, Operations and Collections teams for documentation, compliance, loan processing and customer service along with Escalation and complain management for long term relationship management & need based cross selling of other product and services

Sales Manager at HDB Financial Services Ltd. (2015-07 – 2016-04)

• Directed branch sales and expansion strategy via branch management, Direct Selling Agents (DSAs) and Business Partner channel, and channel partner networks, managing a team of 6 Sales Officers
• Managed secured and unsecured products including Business Loans, LAP, Gold Loans, Used Car Finance and MSME Lending
• Recruited, trained and coached channel partners and sales teams to improve productivity and market reach
• Worked with Credit, Operations, Legal and Collections teams to improve approval turnaround and portfolio quality

Senior Sales Manager at Standard Chartered Finance Ltd. (SCFL) (2006-12 – 2015-07)

• Led DSA and DST channel development through recruitment, onboarding, coaching and performance management
• Drove customer acquisition and cross-selling across CASA, Credit Cards, Auto Loans, Personal Loans, Business Loans, Insurance and Fixed Deposits
• Built and maintained strong DSA, channel partner and referral networks while executing territory sales strategies with branch leadership
• Coordinated with Credit, Operations, Legal and Collections teams for loan processing, disbursement, escalations and customer satisfaction

Universal Banking Officer at Centurion Bank of Punjab Ltd. (2005-12 – 2006-12)

• Managed customer acquisition and retail banking sales across assigned territories
• Promoted CASA, Credit Cards, Personal Loans, Auto Loans, Business Loans, Fixed Deposits and Insurance products
• Supported branch operations, field marketing, referral sourcing and complaint resolution while maintaining banking compliance

Bachelor of Commerce in B.Com. – University of Calcutta – Banga Basi College of Commerce (2002 – 2005)

Higher Secondary in Commerce – West Bengal Council of Higher Secondary Education (WBCHSE) (2002 – 2002)

Secondary Education – West Bengal Board of Secondary Education (WBBSE) (2000 – 2000)