Insrumental in setting up designed business in GJ MH KA MP RJ TS AP with book of > 1100 crs and NPA @ 1.2%.Developed STP process for Loan Approval and disbursement thru Digital Journey.In House developed Blue Book for Tractor valuation real time leading swift valuation and decision.

Set up Used Tractor business in Rajasthan and scaled upto 600 units a month. Sustained NPA @0.70% with 3% ROTA.

Handling retail product finance like Auto, LCV, Tractors, 3 wheelers & rural enterprise finance.Responsible for the profitability of the state.Setting up new branches in Jodhpur, Kota & Bikaner.Formulate and implement effective plans to achieve the target volume.Identifying talent in the market & coordinate with HR for recruitment.Provide training and monitor the performance of team members to ensure efficiency and compliance in operations and enable them to achieve individual targets.Maintain company’s leadership in Tractor finance industry and increase market share in all manufacturers.Accomplishments:Quintupled the volume in June’11 compared to April’10 & doubled the book size in six months.Increased market share in TAFE & M&M dealerships by 20%.Implemented pipeline review & collection monitoring system.

Setting up new branch in Jodhpur, restarting business in Udaipur and responsibility of Gujarat & Rajasthan states for commercial vehicle finance. Formulate and implement effective plans to achieve the target volume. Identifying talent in the market & coordinate with HR for recruitment. Responsible for appointment and development of DMA network and expansion of customer base. Provide training and monitor the performance of team members to ensure efficiency and compliance in operations and enable them to achieve individual targets. Get feedback from market on sourcing trends & understand risks in the market & implement caveats accordingly. Ensuring healthy relationship with dealers & key customers. Keep the delinquency below trigger points with nil PDD breach. Address Customer concerns and service issues and resolve them by coordinating with the concerned verticals. Ensuring the team, channel partners, vendors & all the processes are compliant. Taking training sessions periodically. Accomplishments: Scored rating of 65.66% by customers on NPS (Net Promoter Score - Customer satisfaction) survey in 2007. Pioneered a successfully operational branch and set off a cascade of GE presence in Jodhpur. Generated volume of Rs 34 Crs in Jodhpur in first year of operation with new setup starting from scratch. Played key role in appointing new 4 DMAs in the area. Tripled the portfolio from 30 to 90 Crs in short span of 2.5 years. Growth of more than 200% in 2006 over 2005, 185% in 2007 over 2006 & 140% in 2008 over 2007. Achieved targets like 180% in 2006, 150% in 2007 & 100% in 2008. Increased the productivity of field sales executives by 75% over their previous year performance.

Restructuring of Jodhpur, Nagaur, Bikaner & Jaisalmer branches. Handling Retail finance for Mahindra Tractors, MUVs, LCVs & other manufacturer's cars. Increasing market share at M&M dealerships. Promoting non M&M products & refinance business through channel management & direct employees. Monitoring the portfolio of 3800 contracts in eight districts with four branches. Ensuring the performance of more than 30 team members is as per the expectations. Finding where about of absconded Hirers and Vehicles for taking required actions for getting recovery. Stepping in where hard-core collection is required & self-repossession of tractors. Coordinating with legal cell for expediting the process of sec 138.Accomplishments:Highest bad debt recovery for Rs 22 lacs in FY’05 closing in Rajasthan.Second highest AFC collection for Rs 29 lacs in FY’05 in Rajasthan.

Setting up new branch in Jaipur for starting CV business with Citicorp Finance as Channel Partner.Liaison with all dealers & ensure to get counter enquiries.Developing new areas, developed Chomu, Sikar, Ringus, Shahpura & Kotputli.Adherence to the norms and procedures laid out by Citicorp for business & collections.Monitoring portfolio on bucket wise & ensure healthy collections.Initiating legal action & repossession on defaulting accounts.Disposal of repossessed stock by getting best price did by having demand notice from RTO in hand for better negotiations.Providing monthly MIS to management & suggested the market trends in the territory.Accomplishments:Procured business of Rs 1.8 Crs in the month of Mar’02.Achieved collections target during FY ’02, no case in 90+ buckets and no repossessed stock.

Managed Commercial Vehicle division for Finance & Collections.Developed finance software in Poxfro.