• Launched the Used Tractor Business in Rajasthan, establishing a strong market foothold.• Recruited and trained Sales Executives across six locations, enhancing team effectiveness.• Managed and enrolled 21 DSAs in Alwar, Dausa, Chaksu, Chomu, and Kota, driving sales growth.• Collaborated with a valuation agency and legal team to streamline operations.• Conducted brand awareness and marketing initiatives in key locations, boosting visibility.• Monitored Sales Executive performance and implemented corrective measures to improve results.• Assisted the NEW TRACTOR team with regular portfolio management to optimize performance.

• Managed Commercial Vehicle and Construction Equipment operations for the Chomu branch and CV operations for the Bhankrota branch, ensuring seamless business processes.• Successfully restarted operations in both branches after a year-long hiatus.• Expanded client base by adding new fleet operators and retail customers also maintaining strong relationships with old customers, enhancing business opportunities and customer loyalty.• Established and maintained relationships with dealers, also actively participated in sales promotions for collaborative growth.• Enhanced customer retention through prompt service delivery and effective query resolution, resulting in higher satisfaction rates.• Achieved a healthier portfolio by improving collection efficiency in Current Demand (CD) and significantly reducing NPAs and 60 DPDs. Also managed early delinquency effectively.• Focused on increasing revenue by cross-selling third party products like Loan Insurance on all eligible cases and increasing penetration in New Motor Insurance.• Coordinated with the legal team to ensure timely authorization of legal actions and compliance with bank standards.Achievements:• Achieved 100% Loan Insurance in all qualifying cases across both branches.• Successfully decreased NPAs and 60 DPDs from initial figures, showcasing significant improvement in portfolio performance.

• Managed operations for LCV Loans, CV Loans and CE Loans across six branches: Baran, Bundi, Bijoliya, Jhalawar, Kota, and Sawai Madhopur.• Conducted regular dealership visits with the Branch Business Team to strengthen relationships and drive business growth.• Organized and executed successful sales promotions with LCV dealers and also conducted loan melas for UCV loans across all Transport Nagar in the Hub command area, resulting in a significant increase in loan enquiries.• Developed and implemented strategies with branches to enhance portfolio health, increasing Collection Efficiency in CD and reducing Non-Performing Assets (NPAs). Also took decisive actions to manage early defaulters and safeguard portfolio quality.• Coordinated with the legal team to ensure timely authorization of legal actions when necessary.• Regularly visited NPA and chronic defaulter accounts along with branch teams and helped them to resolve the cases.• Improved proposal assessment efficiency by conducting preliminary credit reviews and providing recommendations for approval.• Monitored banking processes and ensured compliance across all branches within the HUB.Achievements:• Reduced NPA of the HUB to ₹127 lakhs in Dec 2020 from ₹580 lakhs in Mar 2018, covering six branches.• Hub was awarded for achieving 100% coverage in New Vehicle Insurance and Fresh Health Insurance during Cross Sale JFM contest of 2019; also achieved an impressive 88% in Motor Renewal business during the same time.• Maintained CD Collection Efficiency of over 90% across all branches, with only one branch falling short.• Successfully achieved 100% Loan Insurance in all eligible cases from Oct 2018 to Feb 2020.• Took on additional responsibility by managing the Bijoliya Branch starting Aug 2019.

• Implemented many new strategies to increase UCV business at Alwar, Behror, Kota, Bundi, Sikar, Bhilwara and Bijoliya resulting in improved business utilization.• Strategies like: - Sending mailers and ran SMS campaigns mentioning pre-approved loan amounts on existing vehicles.• Conducting regular loan melas in all Transport Nagars in each branches command area.• Enhanced customer retention by sending mailers with pre-approved limit for refinance to customers and maintaining NOC trackers.• Organized SMS campaign during festive season to generate leads for car sales in Rajasthan, resulting in the disbursal of 1300+ cars within a single month.• Organized educational and pitching sessions for Fleet Cards with CV customers and Oil Companies (IOC, HPCL, BPCL Reliance, ESSAR).• Reviewed CAM of proposals sent for approvals by Branches for UCV and Working Capital Loans, and recommended for approval to credit team.• Collaborated with Distribution team to effectively send SMS for Insurance Finance thus increasing Renewal penetration.• Supported branch team in efforts to recover defaulted accounts, resulting in improved portfolio quality.Achievements:• Arranged tele calling and regular SMS blasting to all past customers from State Office, resulting in the successful disbursement of 1300 plus new cars during the Diwali month of Oct – 2017.• Was nominated by Head Office as the CAR LOAN GUIDE for MP and Rajasthan.

• Led a team of 90 energetic executives across 32 branches in driving success within the Car Finance business.• Managed 7 branches (Alwar, Behror, Bhilwara, Bijoliya, Bundi, Kota and Kota – tractor) to achieve desired business goals and collection parameters under the guidance of TM.• Focus on reducing 60 DPD of the Territory.• Regularly forwarded and educated New Car Schemes to the entire State team as well as conducted training sessions at Dealer networks across the state in collaboration with respective Manufacturers.• Regularly monitored Trade Advances given to all dealers and provided timely corrections where ever needed.• Coordinated with Manufacturers, Dealers and SF Team to conduct regular loan melas across all branches in the State.• Co-ordinated between branches and HO for marketing materials like banners/pamphlets etc.• Ensured Credit Team provided timely approvals of CAMs to facilitate branch deal closures.• Streamlined process flow and achieved a decrease in TAT, from enquiry received to DO issuance and later to payment mace, through effective team training.• During the Navratri-Diwali festival season, was entrusted with managing branches: Kota, Bundi, and Chittorgarh.Achievements: -• Guided the State to deliver 1108 cars in a single month for the first time ever in Oct-16, while achieving record-breaking numbers of 981 disbursed units.• Successfully guided Kota branch to reach the impressive milestone of 100 cars in November 2015, continuing a trend of excellence for two consecutive years.• During the festive season from Navratri - Diwali, the branches Kota, Bundi, and Chittorgarh surpassed their target and accounted for 25% of the state's New Car Disbursement.• Achieved a 60 DPD rate below corporate objective of 1.00% in 7 branches by maintaining it at less than 0.75%.• Enrolled 6 New Car Dealers and 3 LCV Dealers for Trade Advance.

• To ensure branch business are met for all products Car, Commercial Vehicles (Heavy and Light), Construction Equipment and Tractors (till the formation of Tractor branch in FY 2013-14) and to maintain portfolio of the branch as per norms set by the company.• Managing day-to-day administrative activities of the branch.• Coordinating and guiding the spoke locations Baran and Jhalawar for business and collection.• Managing dealer service in all the 3 locations – Kota, Baran and Jhalawar.• Managing companies prominent Maruti Dealer – M/S Bhatia & Company in Kota• Regularly conducting loan melas with all dealers at rural and prominent locations across 3 districts Baran, Kota and Jhalawar.• Regular visits to all defaulting customers in Kota and also in spoke locations.• To ensure branch business and collection targets are met each month.• Training of all team members and dealers’ sales team regarding company's new schemes and policies.Achievements:• Received prestigious 92 club award for consecutive years in 2011-12 and 2012-13, with only one missed month in 2013-14.• Achieved yearly business targets for Life Insurance and Motor Insurance in FY 2012-13 and FY 2014-15, leading to the award for Kota cluster (Kota branch and Bundi branch).• In Oct-14, Kota branch hit a milestone by exceeding 100 New Cars disbursed in one month for the first time.• Kota branch which was predominantly knows for its Car Business did the highest CV business (54 units) in FY 2011-12.• Developed and established new CV centers for the company in different locations such as Aklera and Bhawanimandi in Jhalawar, Ramganjmandi in Kota, and Devli in Baran.

• To ensure branch business are met for all products Car Loans, Commercial Vehicles Loans(Heavy and Light) and Construction Equipment Loans.• Managing day-to-day administrative activities of the branch.• Managing dealer service with their Local Sales team and main branches at Indore; all dealers were based at Indore (200 km from branch location).• Coordinating with both SD Locations within the branch – Badwani and Alirajpur.• Regularly conducting loan melas with all dealers at all locations in the branch command.• To ensure branch business and collection targets are met month on month.• Training of all team members and dealers’ sales team regarding company's new schemes and policies from time-to-time.Achievements:• Attained exceptional performance with a 99.90% overall collection rate for the closing of Mar-2010 and Mar-2011.• Led a branch with no NPA for the entire duration of two years, from June 2009(branch opening) to March 2011.• Elevated 2 off roll employees to SF rolls.• Awarded best branch in the “Champion of Champions” conducted in second half of 2009-10 across India.• Parameters were to achieve 100% in Vehicle Finance Business and Cross Sale we did it with CD efficiency of 95%.• Received the prestigious 92 Club award for consistently achieving month-on-month CD rates of over 92% throughout the financial year 2010-11, Mar-2011 closing with an impressive 99.99% CD.• Expanded market reach to include Jhabua and Rajgarh, generating a substantial increase in customer base; Jhabua is a separate branch today.

• Car Loan business of the branch and surrounding locations Sikar and Alwar.• To help branch manager in major collection issues of the branch and locations.• Supporting team members in their collection and recovery activities.• Worked with 3-wheeler team on collection and repossession of assets, thus solving NPAs.• Maintained relationship with Car Dealers of Jaipur, Sikar and Jhunjhunju.• Regularly conducted weekly canopy event on Sundays and Holidays with the help of SD team of Vidhyadhar Nagar, Malviya Nagar and Vaishali Nagar along with Car Dealerships for Jaipur location, thus helped branch grow the car numbers from 3 cars disbursed in a month in Jun-07 to 83 cars in Oct-08. • DSA management at Sikar and Jaipur for Car Loan business.Achievements: -• Oct-2008 witnessed a record-breaking disbursement of 83 cars, marking the highest number for Jaipur branch, which was predominantly a CV branch.• Out of the 83 cars, 57 cars were closed by myself of which 29 were delivered on a single day.• This achievement laid the foundation for the establishment of JAIPUR CAR branch in 2009.

• Managed Commercial Vehicle business of the branch.• Also managed all product business and collection at Satna, Rewa, Maihar and Narsinghpur dists.• Assisted Branch Manager in solving chronic NPA cases of the branch.• Managed DSAs for Satna and Narsinghpur area.Achievements: -• CV target of the branch was achieved after 3 yrs in FY 2006-07.• Played a key role in achieving LCV targets at Jabalpur branch during 2006-07. The annual LCV target of 51 was achieved within the first half year.• In Apr-2007 was given charge of the branch for 1 month by Region Head after then BM was transferred to Indore and the new BM would join only on 1st May-07.• Established new CV market centers in Rewa and Satna, resulting in the creation of separate branches for each location in 2009.

• Responsible for business and collection for location. • Managing day to day banking for the location. • Managing team of 2 Business Executives and 5 Collection Executives.• Dealer and DSA management for location. • Doing first Credit and forwarding Approval Note to State Credit Head. • Business visit along with Business Executives for business sourcing and meeting old customers for new business enquiry. • Following up with default customers to reduce NPAs with the help of Collection Executives. • Following up with Legal department regarding initiating necessary actions against for Critical Accounts.

• Sourcing business from Mahindra Dealer at INDORE. • TA Management of all AUTOMOTIVE Dealers being managed by the branch mainly INDORE, KHANDWA and RATLAM, and also TA Management of MAHINDRA TRACTOR DEALER of INDORE. • Main sourcing point for sourcing of NON MAHINDRA PRODUCTS ( MARUTI, HYUNDAI , TATA cars). • Collection follow-up for all delay and default customers for INDORE, BADWANI and DHAR areas. • Main sourcing point for sourcing of NON MAHINDRA PRODUCTS ( MARUTI, HYUNDAI , TATA cars). • Collection follow-up for all delay and default customers for INDORE, BADWANI and DHAR areas.Achievement :• Was First Executive to disburse Non-Mahindra product in 2002 for entire Madhya Pradesh.

• Appraising Consumer Durable, Two Wheeler and Personnel Loans for Bhopal and Indore Branches. • Maintaining TAT as mentioned by the organisation. • Tele verification of all Personal Loan proposals before and after disbursement. • Regular visit to Consumer Durable dealerships to know market competition schemes and reporting to Regional Credit Manager.Achievement :• Awarded by RCM for efforts on training of Sales and Backend executives with regards to Credit Policy.• Awarded by ZH sir for NIL Non Starter cases for continuous 12 months.