Territory Manager at Sarthi Money Pvt. Ltd. (2026-08 – Present)
Leading Gold Loan business across Uttar Pradesh for Aditya Birla, Poonawalla Fincorp, and IIFL, driving territory-wide sales and business development.
- Managing Gold Loan operations across 50+ branches, overseeing customer acquisition, balance transfer support, portfolio expansion, and relationship management.
- Driving territory growth through market development, lead generation, prospect conversion, customer engagement, and existing-customer penetration.
- Managing an annual Gold Loan disbursement target of ₹15 crore, aligning branch-level activities with territory business objectives.
- Strengthening partner and customer relationships while identifying opportunities for business expansion, revenue growth, and market penetration.
- Identified high-potential markets and developed expansion opportunities across the Uttar Pradesh territory.
- Tracked key sales KPIs, pipeline movement, and business trends to support data-driven territory planning.
Sales Manager – Team Handling at IDFC FIRST Bank Ltd. (2024-02 – 2026-06)
Led Gold Loan Desk operations for Allahabad, managing fresh disbursements, renewals, closures, customer servicing, and business development.
- Directed customer acquisition and sales conversion initiatives through lead generation, prospecting, relationship management, and structured follow-ups.
- Coordinated team activities and sales performance while strengthening customer relationships and driving portfolio growth and business retention.
- Guided and motivated sales team members to improve individual productivity, conversion ratios, and target achievement.
- Owned Gold Loan business across a 50 km territory covering 2 branches, driving sales execution and portfolio development.
- Ensured adherence to internal banking processes and customer service standards while supporting smooth Gold Loan operations.
Business Development Manager – Health, Agency Channel at SBI General Insurance Co. Ltd. (2022-11 – 2023-12)
Drove Health Insurance business development through market prospecting, customer acquisition, relationship management, and portfolio expansion.
- Managed the sales pipeline from lead generation and product presentation through customer conversion and follow-up.
- Delivered need-based insurance solutions by understanding customer requirements and aligning suitable products to their needs.
- Supported portfolio growth and sales performance through new customer acquisition and development of existing accounts.
- Conducted market mapping and prospect identification to uncover untapped customer and business opportunities.
- Expanded business opportunities by engaging key stakeholders, strengthening customer relationships, and identifying potential revenue streams.
- Helped agents and channel partners with product knowledge, sales inputs, and conversion-focused guidance.
Development Manager – Health, Agency Channel at ICICI Lombard General Insurance Co. Ltd. (2021-12 – 2022-11)
Drove business development across the Health Agency Channel, focusing on customer acquisition, portfolio expansion, and revenue generation.
- Developed and nurtured client relationships to improve account penetration, retention, and recurring business opportunities.
- Built sales pipelines through prospect identification, lead generation, product positioning, and customer engagement.
- Converted customer requirements into appropriate insurance solutions using a consultative sales approach.
- Advanced business growth initiatives through new customer acquisition and systematic development of the existing customer base.
Senior Relationship Manager at Reliance Nippon Life Insurance (2021-02 – 2021-12)
Managed and developed client portfolios across legal, finance, and insurance segments, driving account growth, retention, and relationship profitability.
- Cultivated relationships with multiple client stakeholders to identify requirements and unlock incremental business opportunities.
- Generated new business opportunities through prospecting, customer engagement, product positioning, and consultative selling.
- Mapped customer needs and recommended tailored insurance solutions, strengthening engagement and conversion potential.
- Accelerated portfolio growth through new client acquisition, relationship deepening, and existing-account development.
Customer Sales Executive at HDFC Bank Ltd. (2016-08 – 2021-02)
Supported Gold Loan Desk operations for Allahabad, managing fresh disbursements, renewals, closures, and customer servicing.
- Expanded the customer base through structured lead generation, prospecting, product presentations, and need-based selling.
- Strengthened customer relationships and portfolio value by driving repeat business, renewals, and customer retention.
- Delivered sales objectives through focused business development, customer acquisition, and systematic follow-up of prospective and existing customers.
- Owned Gold Loan business delivery across a 50 km territory covering 18 branches, serving as the single point of responsibility for the assigned portfolio.
