Managing Mortgage Guarantee business for Karnataka, TN, AP, Telangana and Kerala for various stakeholders (Lender Partners) Axis Bank, Piramal Capital, Federal Bank, Aditya Birla Finance and so on.Driving B2B model business through various lenders and offering mortgage guarantee to the multiple lenders and organizing product, policy & sales training to create awareness among Sales Team and credit team of various lenders and monitor the implementation & efficacy of Mortgage Guarantee products against the various lender’s overall business penetration.Co-ordinating with Internal Risk Team and Operations for offering wide variety of products to the stakeholders/lenders for enhancing their business with the support of incremental penetration of Mortgage Guarantee business.Explanation on risk mitigations and portfolio performance of various lender partner which is existing with IMGC and creating awareness among the lender partners on benefits of Mortgage Guarantee products and optimum usage of the same..

Identifying financially strong & reliable channel partners and builders managing market mapping & appointment of new dealers and resolving issues for primary & secondary sales, resulting in deeper market penetration & reach.Conceptualizing and implementing the competent strategies with a view to penetrate new accounts and expand existing ones in builders and channel partners in Karnataka Market.Controlling & managing operational risk by ensuring adherence to laid down processes and agreed TATs thereby increasing customer satisfaction; over achieving the defined targets thereby resulting in enhancement of business portfolio.Documenting MIS pertaining to business, recovery, new initiatives, manpower and targets for the entire region; reporting the same to the Central Team and Supervisor.

• Conducting B2C sale activities of Home Loan through branch channel and open market channel.• Providing end to end support from requirement analysis to conversion of every leads generated by the branches across the Bangalore region. • Maintaining the relationship with the stakeholders in branches and supporting them with the leads through data calling with the team of 6 people.• Developing the new relationship acquiring new builders on board and maintaining the existing relationship to channelize the business over and above the branch business.• Cross sale of insurance, Fixed deposits, Digital Savings Accounts, personal loans

• Conducting B2C sale activities of Home Loan through open market channel.• Delivering the business through Builder and connector channel• Developing the new relationship acquiring new builders on board and maintaining the existing relationship to channelize the business.

• Conducting B2C sales activities related to Personal Loan, Home Loan, Credit cards, Insurance.• Developing the partner channel for Home loan and Personal Loan from market and identifying opportunities from both internal and external channels• Home loan and Personal Loan business through internal telecalling channel with the support of phone banking and virtual relationship management team.• Driving business through Connector, Broker, Builder contact by acquiring them and DSA Channel.• Acquisition of Digital DSA and get business through them. This is a PAN India Initiative newly taken by HDFC.• Managing a team of 11 people; planning & directing, staffing, training and performance evaluation activities• Maintaining a good relationship with the open market partners and Sister company HDFC LTD as the entire process of Home Loan conducts by them.• Cross-selling of several other products like insurance, credit cards etc.• Monitoring the performance of the sales team by establishing a system of reports and communications involving sales reports & cyclical sales meetings.• Steered sales operations in Home Loan and Personal Loan of 11 employees and Connectors of HDFC Bank with an average monthly turnover of 14 Cr along with cross-sell business of 30 lakhs insurance and 25 high-end cards.• Acquiring almost 7 connectors and DSA’s to channelize the business through them.• Implementation of Digital DSA.• Recruitment of 8 employees to make a new team.• Maintaining a good relationship with HDFC Limited employees as they involve in the entire process.

As Sales Manager:• Conducting B2B & B2C sales activities related to Investments, Life insurance and Retirement Solutions • Developing the partner channel for insurance cross-sell and identifying business development opportunities for both corporate & individual clients at the assigned location• Managing a team of 3 people.• Training the partners’ channel members on new products, process rollout and thereafter conducting refresher modules• Liaising with ICICI bank officials regarding the banks’ sales channel leads needed to develop the sales process• Implementing the new sales strategy to maximize the sales and ensure retention of commercial as well as the individual accounts