Sailed through Covid time and achieved highest business immediately post COVID. Topped the financier’s share in JCB Kolkata dealership multiple times. Developed senior team and inculcated Area Managers to manage states. Expanded geographic locations and product offering to build a more granular portfolio. Managing 600 Crs book value now with delinquency within limit. Involved in resolution of key accounts with recovery team and fetched maximum realisation on asset recourse.

Started Construction Equipment Finance business for Yes Bank in East Zone;Opened locations, territory and develop team for sourcing including on role employees, off role feet on streets and sourcing channels in states of West Bengal, Orissa, Jharkhand and Assam.Driving business and built portfolio of more than 100 Crs within a year with zero delinquency.Focussed on cross-sell with bouquet of other banking products and services along with core business.

Handling Captive Finance business of CNH Industrial in East Zone. Driving financing of in-house tractors under the brand name of New Holland and construction equipment under the brand name of Case through alliance partner. Responsible for achieving target penetration and building up a quality portfolio. Having team of state heads and relationship managers apart from alliance team to support the business. Involved in constant liaison with brand team and alliance Head Office to manage multiple stakeholders' expectations. Instrumental in deriving CE finance process changes and efficiency improvement of the team.

Responsible for managing Commercial Vehicle & Construction Equipment Finance business in East Zone, in the states of West Bengal, Bihar, Jharkhand and Orissa. Have been consistent in delivering volumes of more than 100% of budget with higher productivity and lower sales cost; also maintained portfolio quality and sustained overall profitability month on month. Overall managed a team of 26 employees which include State leaders and sourcing managers, apart from various channels and business partners. Also part of M-STEP project team for Best-In-Class TAT by the means of process improvement, benchmarking and defining functional SLAs.Later on from From Mar '15, taken over the Zonal Head position for Sales Management vertical for both East & South zone. The key responsibility includes managing channels for all products, i.e. CE, CV, Car, Tractor, Suvidha (used asset finance), SME and Housing loans in both East and South zones along with launching channel portal all across, driving M-STEP project across the zones as a means of process improvement, benchmarking and defining functional SLAs, training the sales team and channels on such activities, planning and conducting BTL events for sales promotion, liasioning with National Heads of all products for development and implementation of new initiatives for sales force effectiveness, best-in-class TAT and overall achieving the goal of creating the best retail financing organisation.

Responsible for Strategic business in entire East and South India for Equipment and Project finance activities. KRA includes sourcing and structuring deals, facilitate credit and risk approvals, maintaining relationship with corporate clients and focussing on new line of businesses. Member of Credit Committee for sanctioning > Rs. 25 crores proposals.From Nov-2011, have taken charge for KRO (East) Region Strategic Business in Capacity of Regional Sales Manager, where having a team of 11 employees to manage Strategic deals, both sales and collection. Managing a book size of 1500 Crores in the region with top segment of clients and high ticket disbursements.

Heading the region for business, credit and collection for Construction Equipment Finance division.Covering entire state of Maharashtra (including Vidarbha and Marathwada, but excluding Mumbai) and Goa for retail as well as strategic business in CE finance.

Responsible for general management of marketing services business in India and accountable for P&LInstrumental in establishing new business and organised the start up related activitiesDeveloped and maintained the business of data and analytics in store/mall insight systems amongst leading developers and retailersManaged mapping and survey projects for public sector oil marketing companies (OMCs) and with global oil retailersManaged the vendors/ partners effectively and balanced their deliverables with clients' expectationInstrumental in getting census bureau license for Mosaic business from Ministry of Home AffairsCompleted Global tenders and RFPs for leading retailers and developers for cross country deals

Construction Equipment Finance, KolkataResponsible for managing construction equipment finance in eastern region Instrumental in volume growth of 80% vis-à-vis previous year while maintaining a quality portfolioEstablished and maintained vendor relations in the region satisfactorilyBeing instrumental in securing seasonal and product specific tie-ups with manufacturers and their dealerships for the regionInvolved in dealer funding for JCB and Volvo dealers in Kolkata to support their equipment owning programsIntroduced leasing product (operating & finance lease) in eastern region to corporate, like Tata Steel, Simplex Infrastructure, etc.Demonstrated market understanding and product knowledge to mitigate the risk in underwritingManaged multiple stake holders' expectation inside the organisation efficiently

Construction Equipment Finance, KolkataDemonstrated excellence in driving the construction equipment finance division in entire state of West Bengal with five direct reportees and team of non-direct employees and three channel partners (DSA).Being instrumental in bringing top clients from the industry in SME sector and ensured retaining themProven track record of augmenting the disbursement figure by 75% to 80% in each financial yearBeing instrumental in signing MOUs and seasonal schemes with local dealers/manufacturersAlso part of the ICICI Dealer-DSA program in the region where all the dealers of JCB were offered to become DSA of ICICI BankBuilding up rapport with dealers/distributors and facilitate effective dealer sales managementPivotal in generating additional revenue through cross selling of Dealer funding, General Insurance, CC Accounts & Fixed Deposits Ensured quality deals to minimize delinquency in the territory

Construction Equipment Group, KolkataDemonstrated excellence in handling the sales of CATERPILLAR heavy earthmoving machinery (HEMM) across the region with more than 50% volume growth in each yearResponsible for entire eastern region and reporting to the DGM of Caterpillar divisionHandled clients from large corporate, public sectors to first-time-users across the eastern region in the states of West Bengal, Bihar, Orissa, Jharkhand and North-Eastern statesManaged both indigenous and imported machine sales efficientlyHad been part of the core sales team to attend Caterpillar NPI (New Product Introduction) in India for 320 series excavators and 424 series Backhoe LoadersEffectively managed the dealer net pricing in each deals to ensure profitability Demonstrated excellence in cost & productivity analysis of heavy equipment and conducted training programs for Management Trainees on the sameManaged customer retention by getting involved in resolution of customer issues along with service engineers and principal (Caterpillar) to become single point contact for the customer.

Demonstrated excellence in planning, monitoring and coordinating material handling contractsPreparing manpower and resource planning and implementing the same by coordinating with sitesManaging cost effectiveness of the project while maintaining project delivery scheduleInstrumental in preparing and floating tenders for sub-contract jobs and bought-out itemsManaged projects with public sector undertakings (PSU) like, BPCL, RCF, etc.