Building Co-brand Credit card business- leveraging the power of Paytm #Relationship management #customer engagement #P&L management.- Drive new card acquisition, activation and onward customer engagement.- Making intuitive user journeys for scalable and personalized customer on-boarding.- In app card management simplifying the complex maze of credit cards.- Customer experience & service- Stakeholder & vendor management- Regulatory compliance and assessment

Setting up the Annual Operating Plan / Business Plan for the Zone, building up and strengthening of Direct & Indirect channels, developing product portfolios for Personal Loans as per the requirement of the Business and Market. Recruiting training and mentoring sales talent across geography and newer markets as per location plan. Focus on quality sourcing and achievement of desired productivity levels through continuous mentoring & monitoring. Developing attitude and Hunger for Growth, Targets and Personal Rewards, Passion and ownership.

Lending to the Micro, Small and Medium Enterprises (MSMEs), seeking to facilitate the development of these enterprises. Territory managed Maharashtra Gujarat and Madhya Pradesh. Also enhance their competitiveness and recognition of the concept of “enterprise” which comprises both manufacturing and service entities. Formulating effective sales strategies, identifying areas for sales promotion, identifying untapped markets and ensuring penetration in order to generate business.To grow the retail loan business and achieve the targeted loan book size.To increase the productivity in terms of value and number of loan disbursals as a team.To optimize the cost of merchant acquisition per disbursal.To increase the income from each merchant acquisition.Identifying, Recruiting and Driving channel partners & DSTs on a continuous basis to ensure continuing sales growth.

Promoted to Deputy Vice President with the additional responsibility of Andhra Pradesh for further expansion of Gold Loans business across the region.

Part of the core team in setting up Gold Loans business in Mumbai and Rest of Maharashtra. Identifying & launching new branches across the assigned territory with research on target market and walk-in potential. Hiring and mentoring a team of Branch Managers, Sales Managers, Valuers and Customer Support Executives. Targeting EOP portfolio growth, driving the P&L for break even and profitability. Risk Management, Underwriting & Process Compliance achieving satisfactory Audit reviews. New channels of acquisition Store Based, Online & Strategic Distribution partners. Inorganic acquisition of portfolio through Assignment and Securitization.

Managed Sales & Collections for loan products like Business Loans, Gold Loans, Loan Against Shares (LAS) and Loan Against Property (LAP) to Retail/HNI/SME clients by growing and strengthening channel business partners. Responsible for growing the portfolio across territory, undertaking fee income generation from loan portfolio, Business Prospecting and Client Servicing.

Promoted to Chief Manager heading Rest of Maharashtra and Goa for Personal and Business Loans. Overseeing business across five locations maintaining budgeted profitability of all the branches, monitoring branch targets in volumes rates & SOH and optimizing productivity to improve efficiency of sales process.

Heading Pune division for Personal and Business Loans. Job involved maintaining PBIT targets, in-house marketing and promotional activities, training & team management, target-setting & target mgmt, tracking TAT's in Credit & Operations. Manage & grow acquisition channel, evaluate the team in terms of productivity and quality of sourcing also motivating and developing them.

Worked in Retail Liabilities division/Branch banking, generating business for Savings and Deposit Accounts and ‘ICICI Bank Private Banking’ heading a sales team and driving targets and productivity levels.

Acquiring Retail Current & Savings accounts for the branch, managing the newly acquired (non-managed) customers during customers initial 6 months with the bank and monitor their portfolio.