Ruhee Sharma

Energetic and performance-driven Sales, Marketing, and Operations leader with over 5.5 years of extensive experience specializing in personal loan lending, strategic partnerships, and digital financial services. Proven track record of scaling monthly portfolio values to INR 14–18 crore and expanding revenue channels up to INR 8.69 crore. Adept at managing large-scale internal and external vendor teams (50+ seats), establishing robust standard operating procedures (SOPs), and optimizing the end-to-end sales funnel.

Expert in cultivating channel partner relationships, navigating credit operations, and ensuring strict compliance with regulatory frameworks.

Assistant Manager / Team Leader / Assistant Team Leader (Sales & Operations) at Paysense Service India Limited (PayU) (2019-08 – 2024-12)

• Established and managed strategic partnerships for Non-DSA / OA channels, building and sustaining a portfolio valued at INR 14–18 crore per month.
• Led operational initiatives that grew channel revenue from INR 50 lakh to INR 8.69 crore while successfully resolving complex sales and credit operations bottlenecks.
• Oversaw daily operations for vendor locations exceeding 50 seats, utilizing modern project management tools to track KPI scorecards, input/output data, and enhance overall team productivity.
• Collaborated closely with vendor team leaders to monitor conversion metrics, maintain strict data utilization hygiene, and foster team-wide accountability for aggressive monthly targets.
• Formulated and institutionalized comprehensive Standard Operating Procedures (SOPs) across various operational sub-processes.
• Directed post-submission funnel optimization campaigns, delivering month-over-month growth in preapproval and approval rates.
• Spearheaded escalation resolutions by partnering with technical and backend teams to unlock on-hold cases and address technical systemic bugs.
• Maintained strict regulatory compliance, monitoring and mitigating risks associated with mis-selling, data manipulation, and RBI regulations.
• Selected for PayU's prestigious StepUp Program, expanding professional scope to include comprehensive online partner management starting in May 2022.
• Designed and executed targeted training programs covering advanced sales techniques, product mechanics, and policy guidelines to onboard and coach partner location representatives.

Course Leader / Senior Business Development Executive - Operations at Neev Knowledge (EduPristine) (2016-11 – 2019-02)

• Pitched specialized professional career paths to post-graduate (B.Com) prospects, consistently meeting or exceeding individual sales targets of approximately INR 10 lakhs per month.
• Managed a high-performing team of 5 executives to drive a cumulative team target of INR 1 crore.
• Monitored team performance analytics, daily call durations (calling seconds), and pipeline closure rates to ensure peak productivity.
• Compiled data-driven operational reports tracking batch thresholds, performance metrics, and daily representative output.
• Coordinated cross-functionally with the Business Intelligence team to launch timely course batches and partnered with the Support team to resolve student queries.

Analyst (Deputed to Citi Bank NA) at Hinduja Global Solutions (HGS) (2013-10 – 2015-04)

• Assisted the Anti-Money Laundering (AML) team in tracking case management workflows, reviewing account activity, and reporting anomalies to management for due diligence.
• Compiled and structured detailed MIS reports by consolidating compliance data sets from three independent channels.
• Automated and optimized case allocation processes among analysts to ensure timely regulatory evaluations.
• Monitored and rigorously maintained internal records of filed and unreported Suspicious Transaction Reports (STRs).
• Handled team logistics including conference room arrangements, travel/transport coordination, and training event management.

Bachelor of Commerce in B.Com – RGIMT (2014 – 2017)