Avinash Gaurav Email & Phone Number

Patna, Bihar, India

Heading collection East, Retail Asset BH JH and Assam

Patna, Bihar, India

Regional Head, AVP Retail Asset, Jana Small Finance Bank Ltd. Patna Key Deliverables: Heading Begusarai, Biharsarif and UBR as Regional Head Small Group loan, Agriculture Business loan, Individual Loan, Gold Loan, Collection, Sales, Operation......Serving as Regional Head : Taking care of full responsibility of Asset base Group Loan, Personal Loan, Gold Loan, Sales-collection, Team Handling, Recruitment, Training and after sale service, Profitability, Regional Operations coordination for smooth file movement.Heading the finance tem of 90+ employee, sales & operation team, monitoring and completing Sales Target & Productivity of sales, operation and collection.Day by Day verify the disbursement, sourcing, productivity collection, ops compliance etc...

Ranchi

Since Feb’12-Nov’15: Axis Securities Ltd. Ranchi as Branch Head Key Deliverables: As Branch Manager Serving as Branch Manager: Taking care of full responsibility of Branch Profitability, Sales Target Achievement of Retail Asset Product (HL, LAP, PL, AL), HR-Admin, Branch Operations and branch Revenue Generation via cross sale (LI, MF). As Sales: Heading Retails Asset Team (HL, LAP, PL, AL, LAG) Sales Team (96 employee), monitoring and completing Sales Target & Productivity of various products of Retail Asset and cross sale (LI, MF).AS HR & Admin: Headhunting, utilization of campus recruitment, employee reference and other recruitment channels for sourcing profile on low cost. All HR operational activity like interview, joining, Team and area mapping, probation period, salary, leave, resignation, exit or F&F settlement, handling all employees for time off requests & grievances. Office Timing, Security, Stationery, Discipline, Housekeeping, time accuracy for bill payment of electricity, water, telephone/fax, security guard, branch rent, stationary to maintain company Goodwill.Notable Attainments: Successfully obtained approval for the strategies- RNR for Retail Asset Sales Employee. many time rewarded.

Ranchi Area, India

Since Dec’10: Bajaj Allianz Life Insurance co. Ltd., Ranchi as Assistant Sales Manager/Branch Manager Key Deliverables: Facilitating as ASM/BM; strengthen healthy business relationships with RRB (Jharkhand Gramin Bank) of Bank of India; taking care of 79 branches of Ranchi Region (Ranchi, Gumla, Lohardaga, Khunti, Simdega) for business growth of micro insurance. Driving business growth through identification & penetration of new market segments for attainment of targets with a view to optimize revenue. Identifying prospective Branches by extensive study of market trends and demand & supply analysis and mapping requirements adding to business growth. Accountable for employee area mapping. Educating all Branch Managers of JGB (Ranchi Region) for product and service and how it is beneficial for all. Handling all operational activity as policy issuance and proper delivery to the branch. Delivering the commission and RNR for corporate at the time to building substantial relation . Design RNR for generation of Max Business Volume. Implemented various marketing activities for healthy business. Notable Attainments: Successfully obtained approval for the strategies – RNR for branches of Ranchi region. Played a key role in organising Rewards Function to motivate Corporate (RRB, Jharkhand Gramin Bank) and monthly incentive plane for JSE. Get appreciations in May 2011 (Rank 2 in india) for healthy business customer relationship and business planning.

Joined as Financial Services Consultants; elevated to; Key Deliverables:Supervising, motivating & guiding Associate Financial Service Managers team to achieve targets within particular time period.Developing periodic business plans & strategies, in coordination with macro plans of organization.Planning & scheduling individual / team assignments to achieve the pre set goals within time, quality & cost parameters; achieving six month targets in three month.Notable Attainments:Won DVD Player & Home Theatre, Hi Design Violet, Wrist Watch, Hand Grinder along with Sodexho Gift Voucher worth Rs. 30 thousand, etc.Top management considered advice to raise business and team performance through the team activity like get together, back to drawing, playing game party, etc.Significantly achieved more than sales target (20 to 25%) on consistent basis.Developed new corporate clients viz. Honda, Batra, Max Hospital.Got Appreciations Certificate for achieving more business in less time subject to the target.

Key Deliverables:Supervising sales team of 4 Executives and DSA, Sub DSA channel for sale of loan against property, home loan products as well as cross sale of life insurance (credit shield) product as per the loan security.Ensuring speedy resolution of operational and credit queries & grievances to maximise client satisfaction levels.Conducting personal discussion with the customer; taking care of all verification as per customer point of view for loan.

2005 Post Graduate Diploma; Bachelor Of Arts; Hsc, Business Management - Marketing

Bihar Intermediate Education Council 1995 SSC

Education record