• The LAP from the DSA Vertical of HDFC Bank Aims to Manage Portfolio Productivity.• The Login || Approval || Disbursement is to drive according to the Assigned Target.• Managed Customer is to drive a Cross-Cell of Asset and Liability Products on the Basis of Managed Customer.• Working with Credit and Policy Team to Improve the Efficiency and Productivity of the Team.• Reducing Customers' Attraction in a Managed Portfolio. • Responsible for Retention.• Development and Implementation of Sales Strategy.• Digital Lead Tracking and Conversion by Attaching with RM and Digital Teams.• To Ensure Compliance with Regulator and Internal Credit and Risk Policy.

• Generating the targeted revenue, handing overall responsibility of branch and running it in a smooth and profitable way since Jul 2018 to March 2023. • Applying effective marketing campaign for branding and easy approach.• Maintaining strong business relations with corporate.• Handling management of individuals and the team through daily, weekly and quarterly sales and compliance targets, objectives and measures. Regular and timely one to one meetings with each member of the branch team. • Undertaking the training of entire branch staff, from Counselors to field Officers to back office to the Admin officers. Along with this Training from products to Marketing to Client Handling Skills and After Marketing initiatives.• Managing and motivating the branch team for full contribution and effective delivery of all targets successfully. • Taking care of effective recruitment and staff retention to build a strong team and morale.• Managing the Agent Network in the given region.• Managing the Channel Network in All over India.• Managing a very Large Team of 6 States.• Market development and events coordination, including career fairs and previews

• Directed and delivered auto finance loans to clients to facilitate sales and increase revenue Planned, organized, executed and supervised implementation of goals.• Developed and maintained relationships with clients, vendors and banks.• Reviewed and analyzed client credit; qualified and approved applications for Auto Finance, LAP closed sales contracts, cross sold insurance products.• Prepared periodic reports on sales, purchasing, payables, receivables, and loan processing.• Experience in Managing for Unsecured & Secured Loans - LAP, Auto Finance as Regional Manager through In-House Managers and DSA Partners.• Handling Personal Loans, LAP, Auto Loans Business across Punjab Region. • Managing All Branches across Punjab for Personal Loans, LAP, Auto Loans Business.• Portfolio Management• People Management• Customer Service Quality• New Branches Opening

1. Generating the targeted revenue, handing overall responsibility of branch and running it in a smooth and profitable way since Aug 2010 to Nov 2017. 2. Applying effective marketing campaign for branding and easy approach. 3. Handling management of individuals and the team through daily, weekly and quarterly sales and compliance targets, objectives and measures. Regular and timely one to one meetings witheach member of the branch team. 4. Undertaking the training of entire branch staff, from Counselors to field Officers to back office to the Admin officers. Along with this Training from products to Marketing to Client Handling Skills and After Marketing initiatives.5. Managing and motivating the branch team for full contribution and effective delivery of all targets successfully. 6. Taking care of effective recruitment and staff retention to build a strong team and morale.7. Managing the Agent Network in the given region.8. Market development and events coordination, including career fairs and previews9. Calling on companies (Educational Overseas Consultant) & providing business proposals.10. Ensure proper and complete filling of forms for student enrollment.11. Handled Location's Chandigarh, Punjab

The Collection and Recovery for portfolio of New Auto Loans || Used Auto Loans || Personal Loans || Two Wheeler Loans || LCV Loans (Secured Loans)Location: New Delhi || Ludhiana (Punjab)Reporting to: Regional Manager Collections and Recovery Collection of outstanding amount from delinquent customers and maintaining the database for the bank of the existing clients Allocate cases across collection executives and agencies  Timely identification of Skips/ Resolutions -Portfolio segmentation for increased collection focus Settling the disputes on behalf of the Bank. Taking the daily feedback from all the DCT as well as agencies and taking appropriate action for unaccomplished task.Prepare the Monthly Legal and Collection MIS to HO from the Branch Interaction with repossession and collection agencies for reduction of 3+ overdue & repossession of vehicle after 3 months default Looking after the Disposal of repossessed vehicles and collection of other income for the branchLooking after Filing Sec-138 cases, Sec9/17 & other Legal cases also for the branchInteraction with the Credit and Sales team for the quality of Business. Also responsibility to report about the quality of business sourced by team to the Head Office.

The collection and recovery for portfolio of TW Loans (Secured Loans)Location: LudhianaReporting to: Collection Manager  Collection of outstanding amount from delinquent customers and maintaining the database for the bank of the existing clients Allocate cases across collection executives and agencies  Timely identification of Skips || Resolutions -Portfolio segmentation for increased collection focus Settling the disputes on behalf of the Bank. Taking the daily feedback from all the DCT as well as agencies and taking appropriate action for unaccomplished task. Interaction with repossession and collection agencies for reduction of 3+ overdue & repossession of vehicle after 3 months default Looking after the Disposal of repossessed vehicles and collection of other income for the branchInteraction with the Credit and Sales team for the quality of Business. Also responsibility to report about the quality of business sourced by team to the Head Office.