Zunjar Patil

Academically astute individual offering in-depth academic knowledge, practical project exposure and an effective analytical ability augmenting a highly creative and expressive mind. Self motivated, hard working and goal-oriented with a high degree of flexibility, creativity, resourcefulness, commitment and optimism. Result oriented individual with strong analytical and interpersonal skills and a quick learner with high levels of adaptability and ability to take initiative.

Good communication skills, verbal as well as written coupled with exceptional presentation skills. An effective team player with exceptional planning and execution skills coupled with a systematic approach and quick adaptability. Zealous to take challenge.

Area Business Manager at ICICI Home Finance Company Limited (2025-11 – Present)

Handling multiple branches with focus on Home Loans (HL) and Loan Against Property (LAP) products.

• Sales Strategy & Target Achievement: Driving, monitoring, and achieving branch-level targets for home loans and Loan Against Property (LAP).
• Team Leadership & Development: Leading sales executives, providing training, mentoring, and ensuring high team productivity.
• Relationship Management: Developing and nurturing relationships with external partners (builders, agents, brokers) and internal stakeholders to drive lead generation.
• Operations & Compliance: Managing day-to-day branch operations, conducting credit appraisals, and ensuring compliance with regulatory guidelines and legal norms.
• Market Analysis & Growth: Expanding market share, understanding local competition, and implementing strategic plans to improve profitability.
• Customer Experience: Managing the end-to-end customer journey from onboarding to disbursement and addressing grievances.

Branch Manager at HDB Financial Services Ltd (2021-06 – 2025-11)

Managing branch operations for Personal Loan, Business Loan and Loan against property products in PCMC and PMC Area.

• Profitability Management - Maintaining & optimizing profitability for the branch
• Target setting & management – Monitoring branch targets in numbers & volumes
• Portfolio quality management - through superior underwriting, working closely with collections
• Cost management – managing all branch operating costs including cost of acquisition, operations etc
• People management – Motivating team, handling HR & administration function of the branch
• Customer experience management - Ensuring superior customer experience and handling customer service in terms of collections, pre closures & service issue

Branch Manager at HDB Financial Services Ltd (2017-05 – 2021-03)

Managing branch operations for Personal Loan, Business Loan and Loan against property products covering Dhule, Shahada, Dondaicha, Akkalkuwa, Dhadgaon & Navapur territory.

• Profitability Management - Maintaining & optimizing profitability for the branch
• Target setting & management – Monitoring branch targets in numbers & volumes
• Portfolio quality management - through superior underwriting, working closely with collections
• Cost management – managing all branch operating costs including cost of acquisition, operations etc
• People management – Motivating team, handling HR & administration function of the branch
• Customer experience management - Ensuring superior customer experience and handling customer service in terms of collections, pre closures & service issue

Branch Manager (Sales) at Sustainable Agro Commercial Finance Ltd (2014-05 – 2017-04)

Sales and Marketing role focusing on B2B and Channel Sales in agriculture product finance sector covering Dhule, Chalisgaon, Malegaon, Satana, Deola, Kalvan, Manmad territory.

• Tapping new geographical markets for agriculture product finance.
• Sourcing proposals like MIS, Pipeline, Crop loan, Two Wheeler loan and Shednet finance through dealer network.
• Lead the district team and generate sales through dealer network and sales team.
• Build and expand the dealer network for sales growth within the territory.
• Solving queries of loan proposal and coordinate with legal and credit team.
• Maintain existing portfolio and assist in a file disbursement.
• Fetching finance projects from NHM and NHB.
• Conduct campaigning and organize promotional events for brand awareness.

Assistant Manager (Sales) at Matrix Cellular International Services Pvt. Ltd (2013-05 – 2014-05)

Sales and Marketing role focusing on B2B and Channel Sales.

• Generate the sales leads through various channels and close the deals.
• Achieve daily sales target and monitor the sales team.
• Build the sales network and generate sales through the same.
• Design and implement the strategic tie ups with corporate.
• Conduct campaigning and organize promotional events for brand awareness.
• Sales presentations, negotiation & closure
• Formulate successful market strategy, sales forecasting and implementing the mixed strategies to achieve targets.
• Develop new area to generate the sales.
• Find the new scopes for business expansion.

Business Development Executive at Bizwin Softmass Technologies Pvt Ltd (2012-09 – 2013-05)

IT Sales role focused on generating leads and selling web products and software solutions.

• Generate leads via- Tele-calling, research, references.
• Selling web products and web development solutions to various segments
• Responsible for selling ERP and customized software's as per the client requirement.
• Building own Database by strategic sourcing and mapping the company.
• Research & analysis of target companies in all domains
• To meet clients, give presentations, negotiate & close the deals

Sales and Marketing Officer at NETAFIM IRRIGATION INDIA PVT. LTD. (2008-06 – 2010-04)

Sales and Marketing role focusing on B2B and B2C sales of agriculture irrigation products.

• Responsible for selling the agriculture products i.e. Irrigation products in given territory.
• Lead the district team and generate sales through dealer network and sales team.
• Monitor the primary and secondary Sales.
• Mapping of market and according design the sales strategies and implement the same.
• Survey field by GPS and preparing well hydraulic design and quotation.
• Monitor the installations as per design and company norms.
• Developed new areas and coordinated with farmers to implant drip system.
• Conduct campaigning and organize promotional events to build awareness about the drip irrigation.
• Build the channel strategies to expand the sales growth within the territory.
• Formulate successful market strategy and plan for achieving target.

B.TECH in Agricultural Engineering – Mahatma Phule Krishi Vidhyapeeth (2005 – 2009)

HSC – Mahajan Junior College (2002 – 2004)

SSC – Mahajan Junior College (2002)