-> Working as a State Head, Used-CV for AP(R&T) region.-> Team Management - Managing Team of Rayalaseema & Telangana. Sound knowledge in Sales, Marketing, Finance, Operations, Products, Policy and Procedures-> Sales Management - Responsible for achieving the stated target, ensuring to have it distributed among the Team members. Implementing new Strategies and Business techniques to achieve targets.-> Detailed knowledge in Credit Policies, Credit underwriting, ability to understand credit worthiness.-> Marketing Management – Planning, Organising, Controlling and Implementing of Events & Activities through Sales Functions for New Business Opportunities and Avenues. Business Development & Designing productivity norms.-> Portfolio Management & Risk analysis - Monitoring the overall portfolio of the region. Ensuring personal visits in stressed accounts and understanding first-hand so as not to miss the overall portfolio health.

Team Management - Managing the overall Territory of Telangana & AP with Sales, Credit, Collection & Operations functions.– Sales Management - Responsible for achieving the stated target and ensuring to have it distributed among Team members.– Collection Management - Monitoring the overall portfolio of the branch with the help of collection executives. Ensuring personal visit to stressed accounts more particularly customers in higher buckets and understanding first hand so as not to miss the overall portfolio health.– Guiding and handholding the individual team members to achieve their targets and responsibilities.– Ensuring that the team members are covering the entire territory in a planned manner– Dealer Management: Handling the relationship with key decision makers at dealership points on a regular basis and ensuring the team members are interacting with dealership executives on daily basis.– MIS: Ensuring to update the MIS - both internal as well as external information to the regional and zonal offices. Ensuring to get the TIV Data on a monthly and weekly basis to understand the market scenario and accordingly change the local strategy so as to achieve the stated targets.– Key Accounts Management: Personally interacting with Key decision makers of strategic clients.– Used/Ref Business: Interacting with owners of auto and mechanic sheds, Yard owners, auto associations & unions, used vehicle dealers/brokers for getting the refinance business.– Overall responsible for the Branch function and to ensure that the team members in Sales, Credit, Collection & Operation function as a coherent group to achieve the overall stated branch key deliverables.

Managing the entire Profit Center as the Head for maintaining the top line and bottom line deliverables including Net Customer Revenue and Cross Sell Fee Based Income by selling third party product.– Handled the Asset Based Funding Business (Commercial Vehicle Business) since Apr'10 at Hyderabad. Previously was handling Karimnagar, Telangana branch of Fullerton India catering to Commercial Vehicle Loans & Business Loans along with the Financial needs of Self Employed Mass Market Segment. Handled PL/HL & BIL products.– Administering the entire gamut of branch management including sales, credit & risk, collections, and people management of the branch.– Overseeing a team of on role employees including sales, credit, back end, collections and cross sell Insurance Officer.– Imparting training on Credit & Risk Policies, Sales Techniques, Office Etiquette thru Motivational & Talk sessions.

Achieving the Business Targets in terms of, Generating Revenue, Acquiring Clients, Enhancing and Upgrading the Client Relationships. – Profiling Customers and suggesting financial products to meet customer needs as their risk appetite.– Ensuring highest level of service to the clients.– Handling a team of 3 Direct Sales executives.– Responsible for activation of Trading account of clients, assisting new entrants in the market to understand the dynamics of market– Responsible for cross selling products like Insurance & Mutual Funds to the existing set of customers.

Acquisition of Clients, Bringing Investment and revenue generation

Personal Loan Sales