Akriti Agarwal Email and Phone Number

Handling Strategic alliances for Mobile Brands in the Consumer electronics industry and Cards EMI Business• Managing portfolio of 7,200 Cr. covering Mobile Brands (Apple, Samsung Mobile, OnePlus, Xiaomi & others)• Identifying & and empanelling new OEM opportunities to achieve CD business targets• Marketing campaign in line with Brand requirements (Both for New launches and Regular Promotion Activities)• Automation of operational activities to streamline the process• Timely mapping and modifications of scheme, models, and prices in the system for scheme rollout• Managing Sales queries and working on strategic areas based on market feedback

Managed portfolio of 9000 Cr of Retailer Finance & Trade Advance for 2000+ Relationships PAN India• Establish and maintain strong, strategic relationships with Consumer Durable OEMs (LG, Sony, Samsung, Haier, Whirlpool, Daikin, etc.)• Drive Negotiation with Top 50 partners to maximize usage of Inventory Finance Products and Acquisition.• Creation of BRD, Test Scenarios for system development basis requirements from key stakeholders• Identify key success metrics for the product, and its features and measure the metrics post-launch; constantly look for opportunities to optimize the product/feature performance• Worked on building capabilities to increase business volume, and productivity & reduce cost• Prepare Budget plans, encompassing sales and pricing activities, to maximize business opportunities• Engage with internal stakeholders (Operations, IT, Legal, Risk, QA, Compliance, Audit), to prioritize, drive, and implement the product changes• Rapid Credit Risk Analysis of dealers and recon of Ledgers through EWS (Early warning signals) Framework• Managed on-boarding of new clients (Code Creation, Scheme Creation, and Manufacturer Mapping)• Regularly monitored the repayment trend of partners and ensured nil delinquencies.• Primary ownership and accountability of 900+ retailers for their growth and retention• Update product policies on a quarterly basis as per market requirements• Design and Develop Client Presentations to empanel the OEMs under RF

End to End Operations of Retailer Finance Product for 1000+ Retail Partners-PAN INDIA• End to End Partner Clients (Partners) Servicing with Finance requirements and Consumer business• Design Market research projects to assess partners' attitude to inventory finance range and introduce new products• Creation of unique Campaigns and Propositions that caters to the financial need of partners• Design legal Action Staircase in case of default• Design & Create Reporting mechanisms and Presentations for leadership review• Calculation of Credit Line of partner basis business performance and Disbursement• Prioritized roadmap to achieve product goals & and business metrics.• Drove operational improvements which resulted in no CD loss and improved earnings

Worked on Product development & and enhancement of SME loans as per commercial requirements.• Planned & and executed the Geo-Expansion process i.e. identified new geographical area based on business opportunity.• Managing key improvement initiatives and projects: Drive new product launches and relationship extensions by partnering with the business development and onboarding teams• Automation of business processes (Contest Achievement, Daily Disbursements reports) with tools Tableau & Salesforce• Designed and launched end-to-end sales contest & and season fest that delivered 150% of the targeted sales.• Prepared Zonal review deck, contest budgeting & and execution, and various other BAU activities.• Introduced New product within business loan - Salaried PL business.• Handled direct souring channel of business which contributed 20% of the total portfolio.• Closely worked with internal stakeholders (Credit, Risk, Operation, IT, BRE) to smoothen the process.• Designing and executing contests and incentives for the sales team to drive higher performance.• Worked on sales team productivity metrics

Acquired 8 new Priority/HNI clients for the Bank• Operational quality - Error-free client application & and documentation.• Practice appropriate sales and marketing skills and ensure nil client complaints.• Assist the investment management team with individual risk profiling analysis

Study of Credit Appraisal Process of MSMEs & Retail Loans and checking the creditworthiness• Formulation and analysis of various financial statements through CMA data.