Joji Jacob Email and Phone Number

Products being managed Unsecured Business Loans & Secured Business Loans to MSME's.Ashv Finance is the tech led NBFC providing finance solutions to the MSME business across India. Ashv Finance is part of the Aavishkaar - Intellecap group. Ashv Finance provides unsecured & secured loans to small & growing businesses across the country.Key Responsibilities :Product Development, Performance.Branch & Sales Performance & Productivity.Channel & Distribution Strategy to meet Business Challenges and CostTraining of Business Team.

Products managed Unsecured Business Loans & Loans against Card Receivables to MSME sector Pan India.Arohan Financial Services Ltd. is the largest MFI - NBFC in the East, operating from 10 low income states and 500+ branches, part of Aavishkaar Intellecap Group. Intellecash - MSME Business merged with Arohan Financial Services ( Aavishkaar group) in 2017 to scale and expand the Usecured Business Loans & LACR business across the country. • Successfully achieved the business plan for 4 successive years by safeguarding pricing mechanisms and generated incremental revenue.• Implementing key links with POS vendors and Payment aggregators for the business liabilities and inorganic business expansion as well as succeeded delinquency of the portfolio to confirm least losses.• Lead large business team across the country with low attrition.

Products managed Loans Against Card Receivalbles & Unsecured Business Loans. Intellecash (Aavishkaar group) NBFC engaged in LACR & Cashflow Based Unsecured Business Loans to the Retail & Wholesale Business in the Country. Intellecash helped the small, medium & large retail businesses to grow with unique financing products like LACR & BIL right from early stage start ups & well established players. • Developed a competitive business development and sales strategy; created new opportunities for market penetration and revenue generation. • Implemented long term business goals to ensure maximum profitability in line with organizational objectives.• Led multi-unit operations, teams, and sales strategies to drive business and customer service success for highly successful and reputable banking & Finance companies.

Engaged as an entrepreneur, on a Fixed Model Sales & Distribution Company engaged in sales of Unsecured Business Loans in MCA & alternate lending products among all financial products.

• Expanded the business unit in functions of sales, counseling, X-sell financials products to credit impared consumers.• Handled financial budgets and revenue targets in order to achieve break even besides executing new initiatives to increase low cost business acquisition vide third party & corporate tie ups, partnerships with major financial entities, and online aggregation companies.

Products handled LAP, Home Loans, Unsecured Business Loans , Personal Loans• Streamlined the first Sales Team of Management Trainees from premier Institutes to augment corporate sales and developed channel business in Mortgages• Advanced the 100 member DST team in Mumbai which subsidized towards 60% of volumes for Mumbai area in unsecured loans• Established the distribution landscape for Mumbai as part of the launch of unsecured loans in Mumbai for the bank, besides performing within approved COA’s and pricing structures in secured and unsecured business products• Played a significant role in handling new customer acquisition and servicing of existing customers besides negotiating and dealing commercial terms with channels and vendors

Product handled Unsecured Loans to SENP

Product Handled Personal Loans.

Product handled Personal Loans