• Key OEM relationships – Hyundai Motors, Kia Motors, Renault India, MG Motors, Toyota Kirloskar Motors and Nissan Motors.• Instrumental in tie ups and MoU for new initiatives and various programs with OEM.• Managing a book of INR 16,300 Crs of Car Loans vertical.• Budgeting of Car Loans vertical and profitability monitoring.• Portfolio management – OD, Stage II, Stage III and NPA• Product offerings – Schemes management basis Geography, Portfolio and Segments • Market share monitoring across OEMs – Geography wise, model wise and segment wise.• Designed entire Car Loans product policy and custodian of policy. Changes and revisions from time to time.• Trade Advances to dealers and monitoring TA portfolio• Product Head level approvals (Credit) for loan processing. • Instrumental in online integration platform for loan processing with Hyundai – “Click to Buy”.• Designing marketing campaigns from time to time with Marketing department for Car Loans.• New initiatives & projects – URM (Ultra Rural Manpower), Lead Management through CRM etc• Productivity monitoring and enhancement programs for field team.

• Conceptualized and developed retail and wholesale funding products including credit policies, detailed customer segmentation for the Nissan brands• Integral member of the core team leading the strategy formulation and annual budget planning.• Solely Responsible for negotiation on VME with Nissan India to ensure rapid and effective ramp ‘up of high quality loan book for NRFSI.• Develop effective working relationship with Nissan Motors to ensure maximum integration of NRFSI and Nissan sales and marketing strategies.• Development and execution of timely retail finance schemes at the dealership level with effective collaboration of the Nissan India team.• Presenting ideas to brand on a monthly basis that shall be directly aimed at easing the current challenges faced by the brand.• Liaising with other global Sales Finance companies (Renault Nissan Alliance) and sharing the ideas on various successful campaigns, developing campaigns and schemes for Indian markets.

After successfully starting LCV verticle, management has given higher responsibility to start Auto Loans.• Delivered a loan book of car loans of INR 1500 crores within first year of operations • Conceptualized and led the execution of Auto Loan vertical pan India through strategic tie ups with major Auto dealers and manufacturers.• Developed and executed the strategy of targeting attractive customer segments with less competition at top 80 high potential locations. This helped in building a high yield loan book with good credit quality• Led a team of 8 people and set up a comprehensive distribution network and underwriting process resulting in faster TAT and deeper penetration with high credit quality• Launching timely schemes for Auto loan product. Designing of payout policies and subvention schemes.• Part of the core team for ensuring profitability and productivity of the vertical.

• Successfully set up and started LCV verticle.• Created and managed a book of Rs. 700 crs in the first year of inception.• Team building for LCV verticle.• Annual business budget – preparation of annual operating plan based on organization's objectives, market trends & research inputs.• Structuring and execution of retail risk sharing schemes with manufacturers and tie ups for subvention schemes.• Part of the core team for new product assessment and recommendations to Risk Team.• MIS and data analytics – Prepare and update master industry MIS for CV manufacturers (state wise, model wise etc).• Competition MIS - Disbursements and pricing& payout policies and focus geographical areas, customer segmentation of major competitors• Handling the research function for the group, including macro level economic and market trends as well as customer level research.• Involved in making seperate credit / risk policy for LCV's.• Responsible for hygiene factors including fee / subvention claims, audit and compliance

• Handling strategic relationships with CE manufacturers for the Bank.• First point contact for sales promotion / marketing schemes and liasioning with manufacturers.• Negotiating target based incentive schemes with manufacturers and executing the same through the sales team.• Fee generation from strategic tie-ups.• Structuring and execution of retail risk sharing schemes with manufacturers, currently 1 scheme running and another under negotiation.• Annual business budget – preparation of annual operating plan based on organization's objectives, market trends & research inputs.• Part of the core team for new product assessment and recommendations to Risk Team.• MIS and data analytics – Prepare and update master industry MIS for CE manufacturers (state wise, model wise etc).• Competition MIS - Disbursements and pricing& payout policies and focus geographical areas, customer segmentation of major competitors• Handling the research function for the group, including macro level economic and market trends as well as customer level research.• Started a CE Knowledge Series covering major construction equipments with application and prominent manufacturers with their models in it. • Responsible for hygiene factors including fee / subvention claims, audit and compliance

• Responsible for Mumbai & Rest of Maharastra territory for Commercial Business which includes Commercial Vehicles & Construction Equipments with an annual business volume of Rs. 2.5 billion.• Handled a team of 12 relationship managers looking after various business segments such as strategic, retail, DDSA, DMA, corporates etc.• Achieved revenue targets through cross-selling of fee based products such as Prudential Life Insurance, Lombard General Insurance, M2O Current accounts and other revenue generating products such as over-draft facilities, fixed deposits.• Planning and budgeting of resources across various business segments.• Interacting and maintaining dealer and manufacturer relationships across the territory thus generating new business leads and also improving profitability in terms of rate of return & subvention schemes for fee based income.• Keeping a track on delinquencies and maintaining the level below 1%, at the same time sourcing business at higher than targeted IRR

• Managing key accounts such as Reliance Energy Limited, MSEB, Siemens Limited, L&T Limited etc. and generating maximum share of business from them • Developing and managing the distribution channel for the 'new projects' and 'replacement' segment• Interacting and maintaining customer relationships across the territory thus generating maximum share of business from them.• Organizing technical seminars for big projects thus ensuring tactical sales promotions

• Handling territory of Mumbai, Maharastra, MP and Gujarat for industrial batteries division and managing & developing new distribution channels.• Managing key accounts such as MSEB, GSEB, ABB Limited, L&T Limited and other EPC contractors for industrial batteries.• Instrumental for developing market for new launched products.

• Responsible for achieving company's sales targets for the MP region.• Managed company’s key accounts like Reliance Petrochemicals Ltd. Ruchi Soya Ltd., BHEL Bhopal, Bridgestone ACC India Ltd., Indo Rama Group, and Lupin Laboratories Ltd. etc.• Business development through carrying out thorough examination and energy conservation survey and thus providing steam energy solutions for the prospective customers.• Handled turnkey contracts and projects for Steam system designing and coordinating with the customer and the technical team

• Developing and managing Channel network and handling channel sales• Organized events like Road shows, seminars for various potential customers, architects etc as a part of Sales Promotion activities.• Providing all the technical support to Channel partners in designing and implementing our systems. • Also taken higher responsibility to develop a greater market (Western Maharashtra) on basis of my outstanding performance in MP