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.
