Subhash Satoskar

Accomplished and result-oriented sales leader with over 18 years of experience in the financial services industry, including retail lending, secured products, collections, and credit card sales. Proven expertise in managing large sales teams, scaling branch and cluster-level operations, driving business through builder and connector channels, and executing strategic plans for sustainable growth. Demonstrated success in senior leadership roles at reputed institutions like Motilal Oswal Home Loans (AVP), Hinduja Housing Finance (Area Sales Manager), Aavas Financial (Branch Head), Arcil Arms (Collection Manager), and SBI Cards (Business Manager).

Now seeking a senior leadership position in a forward-thinking financial organization where I can apply my experience, market insights, and people management skills to drive profitability, portfolio quality, and operational excellence.

CLUSTER SALES MANAGER / ASSOCIATE VICE PRESIDENT (AVP) - MOTILAL OSWAL HOME LOAN - Kalyan, Virar, and Panvel

(2024-10 - 2025-11)

• Managed end-to-end sales and operations across key branches in Kalyan, Virar, and Panvel, overseeing business performance and growth across the cluster.
• Led a direct sales team structure – focusing solely on sourcing through connectors, builders, and in-house construction finance projects, with no dependency on DSAs.
• Successfully led a large team consisting of 3 Branch Managers and 30+ Relationship Managers, fostering high productivity, discipline, and accountability.
• Actively onboarded and developed relationships with reputed builders and local channel partners, increasing lead conversions and APF pipeline.
• Ensured tight coordination between branches and credit/technical/legal teams to streamline TAT and improve service delivery.
• Focused on portfolio quality and credit hygiene, ensuring sourcing was aligned with policy and risk norms.
• Played a strategic role in territory development, identifying high-growth micro-markets and pushing penetration through builder tie-ups.

AREA SALES MANAGER - HINDUJA HOUSING FINANCE - Kalyan, Dombivli, Thane, Titwala, and Badlapur

(2023-10 - 2024-09)

• Spearheaded sales and operations across key suburban branches including Kalyan, Dombivli, Thane, Titwala, and Badlapur, ensuring strong regional performance.
• Led and mentored a team of 25+ Relationship Officers and Sales Officers, driving daily productivity, business pipeline, and overall revenue targets.
• Built and sustained strong networks with local developers, brokers, and DSAs, generating a steady inflow of qualified leads.
• Enhanced login-to-disbursal TAT by 15% through improved coordination between sales, credit, and operations teams.
• Drove implementation of local marketing campaigns and field activities to increase brand visibility and loan inquiries.
• Ensured 100% compliance with audit protocols, documentation standards, and customer service benchmarks.
• Conducted regular performance reviews, target planning, and coaching sessions to build a high-performance sales culture.

BRANCH HEAD - AAVAS FINANCE LTD

(2011-07 - 2023-12)

• Successfully managed end-to-end branch operations for over 12 years, overseeing loan disbursements, collections, customer service, and compliance.
• Led a team of 15+ sales and credit personnel, ensuring monthly business targets were consistently met or exceeded.
• Developed strong relationships with 50+ real estate developers and channel partners, boosting builder tie-ups and APF (Approved Project Finance) pipeline.
• Conducted daily team huddles and performance reviews to ensure productivity and accountability.
• Ensured 100% adherence to RBI/IRDAI regulations and internal audit compliance, achieving high ratings in internal assessments.
• Played a key role in digital transformation initiatives by training team members on paperless processing and CRM tools.

COLLECTION MANAGER - ARCIL ARMS - Mumbai

(2007-01 - 2011-12)

• Handled recovery of high-ticket ICICI Bank NPA accounts across Mumbai, with a focus on retail and SME segments.
• Supervised a team of 10 field collection executives, ensuring effective daily route planning and strategic account follow-ups.
• Maintained a detailed MIS for daily collections, DPD (Days Past Due), and legal case tracking.

BUSINESS MANAGER - STATE BANK OF INDIA (SBI)

(2005-01 - 2007-12)

• Led a dynamic team of 40 telecallers and 25 field executives (dock boys), focusing on credit card acquisition through outbound calling and field document pickup.
• Consistently generated over 300 qualified leads daily, resulting in 250+ credit card bookings per day across retail, self-employed, and salaried segments.
• Introduced a structured CRM workflow to improve follow-up efficiency and document management.
• Played a pivotal role in launching new sales campaigns, increasing monthly acquisitions by 40% within one quarter.
• Trained new joiners on KYC norms, pitch quality, objection handling, and sales closure techniques.

BA - INTERNATIONAL SCHOOL OF MANAGEMENT EXCELLENCE (2010)

HSC - DNYANSADHNA COLLEGE (THANE) (1993)