Md Ashraf Raza Email & Phone Number

Patna, Bihar, India

Lead expansion in Bihar, Jharkhand, and Chhattisgarh for a used and refurbished smartphone and laptop market.Currently oversee Sales, Distributors, and B2B vendors in Bihar, ensuring optimal service and Key Account management.Launch Cashify Offline distribution to increase awareness for used electronics in Bihar.Manage distributor and retailer issues, monitor competitors, and achieve zone targets.Execute ATL/BTL marketing, enhancing distributor ROI and driving online B2B Supersale recommerce aggressively.Conduct ground-level visits for Sales growth, team management, and issue resolution.Consistently meet monthly KPI targets, ensuring team motivation through regular training sessions.

Jharkhand, India

Spearheaded Sales and BD teams for Jharkhand, specializing in SAAS Sales, Business Development, Vendor Acquisition, and Retention. Successfully drove sales through existing and new channel partners, managing their entire lifecycle.Led recruitment, training, and development of B2B Channel Partners for scalable business growth.Managed and ensured growth within the partner portfolio, expanding into new territories as per business needs.Identified local marketing opportunities aligned with business priorities and industry trends.Developed and maintained relationships with key accounts, focusing on their sustained growth.

Patna, Bihar, India

Led a team of Collection Officers for commercial vehicle, equipment, and tractor loans across Bihar.Managed and monitored delinquent account collections for the assigned portfolio.Achieved collection targets for the respective portfolios.Coordinated with cross-functional teams for day-to-day operations.Continuously monitored team performance, implemented strategies to enhance productivity.Managed attrition across assigned teams.Ensured the smooth flow of collection processes.Prepared and published daily reports on team performance.

Motihari, Bihar, India

Managed Collection Officers for farm equipment loans at Motihari Branch, Bihar.Reviewed account allocations, set collections targets, and ensured KPI adherence.Oversaw collection efficiency and cost of collections for the Branch.Monitored and controlled branch delinquency, focusing on Bucket-wise, Days Past Due, and non-starters.Resolved escalated non-payment cases, participated in customer meetings.Formulated bucket-wise collection strategies for the branch.Conducted on-site visits for critical case resolutions and collections.Handled collections for the assigned area, achieving targets on parameters like resolution, flows, credit cost, and roll rates.

Patna, Bihar, India

Managed Collection Officers and agencies for two-wheeler loans in Bihar's Kosi region.Reviewed account allocations, set collections targets, and ensured KPI adherence.Accountable for collection efficiency and cost of collections in the assigned territory.Monitored delinquency Bucket-wise, NPA control, Roll Back, Normalization, Days Past Due, and non-starters.Resolved escalated non-payment cases, participated in customer meetings.Conducted on-site visits for critical case resolutions and collections.Visited dealership points to build relationships, discuss critical cases, and obtain dealer support for resolutions.

Patna, Bihar, India

Managed Collection Officers for Bihar Direct Pool's commercial vehicle loans.Led Geographical Portfolio Management, Strategic Planning, and issue resolution.Oversaw account allocations, set collections targets, and ensured KPI adherence.Monitored delinquency, Rollback, Normalization, Days Past Due, NPA control, and non-starters.Resolved escalated non-payment cases, actively engaged in customer meetings.Conducted on-site visits for critical case resolutions, collections, and settlements.

Bhagalpur, Bihar, India

Led team of Team Leaders, Collection Officers, and Telecallers for Tata Motors Finance Dealer Driven Portfolio.Implemented strategic plans to reduce delinquency and meet collection targets.Conducted regular performance reviews and allocated tasks based on team strengths.Emphasized discipline for timely payments, payments updation and closely worked for delinquency controlCoordinated with Tata Motors Finance teams for effective collaboration.Actively participated in resolving escalated cases of non-payment.Conducted on-site visits for critical cases, facilitating resolutions and settlements.Prepared and published daily reports, utilizing data-driven insights for improvement.

Patna, Bihar, India

Initiated career as a Sales Officer, developing foundational sales skills and a compelling sales pitch.Successfully met entry-level sales targets through door-to-door presentations, promoting diverse products such as water purifiers and health-related items.Established rapport with customers, learning to understand and address their needs effectively.Adapted quickly to sales challenges, consistently improving communication and negotiation abilities.Embraced technology for basic sales reporting, ensuring accurate and timely documentation.Gained valuable experience in customer-centric approaches, contributing to overall team goals.