Zonal Head - West - Jana Bank - Maharashtra, Gujarat, Rajasthan, MP & Chhattisgarh
(2022-08)
- Managing MSME lending for ticket size from 20 Lakhs to 10 Cr. and Commercial banking / Supply chain finance upto ticket size 100 Crores. Target segments is Micro & Small for MSME lending & Medium Scale industries for SCF & Commercial Banking
- MSME business is dominated by DSA/ Channel Partners whereas Supply Chain Finance & Commercial banking is driven via direct sourcing & referrals.
- Managing Maharashtra, Gujarat, Rajasthan, MP & Chhattisgarh for SCF, Commercial Banking & MSME Lending.
- Setting up targets for assigned Zone including per person productivity and ensuring delivery for MSME, CB & Supply Chain Finance
- Managing team of Regional Heads, Cluster Heads, Sales Managers & Relationship Managers for MSME, SCF & Commercial banking. Also Managing team of Key Account Managers including Head of KAM, Product Service Managers, KAM & Premium RM. Overall team size is more than 150+ team members.
- Ensure smooth end to end process from Channel meeting to login to sanction to disbursement.
- Maintaining portfolio hygiene with minimal delinquent accounts
- Playing a pivotal role in P&L, new service value delivery, focus city business delivery, lead conversions, network / team productivity, driving focus product business delivery
- Ensuring regular visit of DSA / Distributors / Dealers / Connector for getting good connect and business
- Executing daily review call with credit ,business & Collection team to ensure smooth movement of all login cases
- Conducting town hall / R&R / training seasons for team members as well as channel
- Qualified for 2 promotions in just 3.5 years due to top perming zone at country level.
- Achieved 5 rating which is the highest rated appraisal at country level and qualifying in the company talent pool category.
- Average MOM disbursement of 110+ Crore at Zone level.
- Managing Portfolio of around 2500 Cr + in assigned geography with delinquency less than 1% in fresh funding.
- Managing best portfolio at country level in terms of all buckets & GNPA, NPA buckets.
- Convert dead regions like Gujarat, Maharashtra, MP, CG to top performing zone via Initiated business from scratch and make it successful model.
- Only Zone in country who is continuously winning in all R&R like Month end or Mini Month end contest.
- Efficiently overachieved assigned P&L budget for Zone along with assigned target for MSE, Supply Chain Finance, CB, Liability, TPD etc.
- Pioneered in reducing delinquencies by solving 27 Cr. NPA account in just 1 month (March'24) which was highest at country level in solving delinquent accounts.
Cluster Head - Yes Bank Ltd. - Gujarat
(2018-12 - 2022-07)
- Managing Branch Banking channel alongwith Agri Finance, Micro working capital loans & Affordable HL.
- Achieved profitability of branches assigned through a solid mixture of liabilities, Asset and TPD products with assigned Branches. Ensured best rating for IAD / CST Audit and maintained basic RBI Governance Norms
- Achieved cluster target in retail liability as well as retail asset products along with TPD budget and Cross-Sell.
- Tracked performance productivity of Branch Managers along with Deputy Branch Head, Personal Banker and Relationship Manager of cluster branches.
- Qualified for many international trips including Amsterdam, Dubai, Baku, Sri Lanka, Andaman Cruise & Paris etc.
- Received 16 awards in 3 years at National / Zonal Level in different categories
- Attained best rating of Exceed Expectation in all appraisals with Yes Bank Ltd.
- Overachieved assigned P&L budget for Cluster against assigned target.
- Qualified for "Good IAD Audit" rating along with "Good CST & BCSBI Audit". Nil transactional error & Zero escalation of complaints throughout the year; Secured 100% Branch Health Score Card for entire Cluster
- Led all routine baking process including cash management and customer handling during RBI restriction at Yes Bank at Moratorium period from 4th March 2020 to 21st March 2020.
Area Sales Manager - Religare Finvest Ltd. and ABHFL - Surat, Gujarat
(2015-12 - 2018-12)
- Handled asset products like HL & Mortgage Loans, Term Loan, Business Loans.
- Setup South Gujarat targets and responsible for its achievement through DSA / Connectors.
- Set targets in terms of sales (Including Products Mix) and Collections and reduced X-Bucket and NPA
- Generated business from direct salesforce through different activities and events; developed channels partners like Professional Business Partners of CAs and Tax consultants, Non-Professional Business Partners like Direct Sales Associates of Loans products etc.
- Received Best Rookie Awards for top new Joined employee in Area Sales Manager category at country level
- Attained Certificate for: Star of the Quarter twice for referral recruitment and referral business logins
- Star of the Month thrice along with Spotlight of the month.
Area Manager - SBI Securities - New Delhi
(2014-04 - 2015-11)
- Managed Asset Products Home Loans, LAP/ Mortgage Loans/ Working Capital loans along with cross-sell.
- Responsible to achieve the same with the help of DSA / Connectors / Direct sourcing.
- Ensured all function of Sales, Credit, operation to be in place considering audit point of view
Asst. Branch Manager/Branch Manager/Sr. Branch Manager - SBI Securities - Patna / Bangalore
(2011-04 - 2014-03)
- Managed Asset Products Home Loans, LAP/ Mortgage Loans/ Working Capital loans along with cross-sell.
- Responsible to achieve the same with the help of DSA / Connectors / Direct sourcing.
- Ensured all function of Sales, Credit, operation to be in place considering audit point of view
Business Development Manager/ Sales Manager/ Relationship Manager - SBI Securities - Surat
(2008-06 - 2011-03)
- Managed Asset Products Home Loans, LAP/ Mortgage Loans/ Working Capital loans along with cross-sell.
- Responsible to achieve the same with the help of DSA / Connectors / Direct sourcing.
- Ensured all function of Sales, Credit, operation to be in place considering audit point of view
- Qualified for five Promotion during 7.5 years of career with SBI Securities
- Managed portfolio size of 1200 Cr.+ along with team size of 100+ team members
- Always ranked in Top 3 in team handling profile and Top 5 rank in frontline profile
- Qualified for many foreign trips and certificate in all parameters
- Achieved Best rating of "1 – Outstanding Performer" with organization throughout the career with organization.
