Zonal Sales Head
Credit Trust Limited
مجموع سنوات الخبرة :13 years, 8 أشهر
• Opened & established 24 MFI Districts and Block branches in 04 States.
• Business Development and distribution of network for New town roll out for Rural and smalltowns business and Microfinance loans disbursement and collection.
• Building a portfolio of 110 Cr in 5 months in MSME (MEL/SEL) in Secured Enterprise
Loans, Micro Enterprise Loans and Micro Finance products.
• Design and administer surveys in new areas and prepare business plan for the new branch based on the survey and assessing their potential.
• Identifying and analyzing risks (Social, Political, economic etc.) affecting loan portfolio.
Sales & Distribution/Channels of acquisition management, Business Development & Strategic Planning on Corporate and Retail segments, Key Account Management, Competition Analysis, Team Management, Business Process, Control & Compliance.
Successfully handling large teams of both full time employees and feet on street (FOS).
Managing Sales and Distribution for Mortgage Loans for East India.
Develop relationship with best of the developers in Kolkata and their premium 18 Under constructed projects approved with Citibank to sell retail Home Loans.
Got THE42 (highest residential tower in East India) as 1st bank to get as approved project.
Responsible for Cross Sell of products like Cards, Personal Loan, Liability accounts and Insurance
Appointing and making the DSAs (both existing and newly appointed) deliver the volume for Citibank.
Maintaining close business association with the HNI clients personally.
Delivering volume keeping product mix and yield in mind.
Growth in origination of Citibank mortgage business in 2014-16, both in units and volume (booking and disbursement).
Ensuring Satisfactory Audit findings on business.
NIL collection issue in PORTFOLIO since I took over.
NPA is 0.04% on a book size of 250 Crores i.e. 38 M USD
Increased personal loans Personal Loans and Health Insurance products of Tata AIG,
Max New York Life in branch by 45% in three months of joining.
Developed alternate channels of distribution for personal loans and increased their
contribution to the total sales by 33%.
Set up cross sale team with FOS & Tele callers and trained them for leveraging on the existing customer base.
Was recognized as the branch with highest insurance penetration
Highlights:
Setting up branches in Durgapur and Asansol.
Strengthening Distribution Network and achieving sales target by training and motivating the
team.
Strong public relation with the Public Sector organizations in South Bengal (e.g. DSP, ASP,
DPL, DCL, ECL, CLW & Hindustan Cables Ltd. which resulted in positive growth in South Bengal
for HDFC Life
Highlights:
Achieved 125% of revenue target for the year 2001-2002 and 118% target achieved in 2002-2003.
Received the appreciation letter from Sales Head Mr. Porush Singh, Mr. Manoj Adlakha (Country Manager) for innovative solutions and Team Work (tied up American Express with Press Club of India, Kolkata).
Participated in American Express Platinum and Amex Indian Airlines co-branded cards
launches and promotional drive in Kolkata in 2001, 2002.
as 2 yrs full time residential Degree program approved by UGC & AICTE, Government of India.
RECEIVED GOVERNMENT SCHOLARSHIP FOR BEING A TOPPER AMONG ALL COLLEGES UNDER THIS UNIVERSITY.