Saurabh Mittal Email & Phone Number

Jaipur, Rajasthan, India

Leadership: Direct and manage branch Business and Operationa across Rajasthan, Haryana, Punjab, and Uttar Pradesh.Strategy: Implement operational strategies to enhance sales, customer service, and compliance.Growth: Drive business expansion and customer acquisition to meet financial objectives.Mentorship: Cultivate a culture of excellence and mentor branch managers for peak performance.Compliance: Ensure adherence to regulatory standards and company policies.Innovation: Partner with departments to launch products and services for evolving customer needs.Analysis: Evaluate market dynamics and competitors to inform business strategies.Cost Management: Streamline operations to balance costs with service quality.Grievance Handling: Resolve issues to maintain high customer and employee satisfaction.

Jaipur, Rajasthan, India

Launch of IDFC Bank Operations in Rajasthan: Successfully led the launch of IDFC Bank’s operations in the region, overseeing the establishment of branch infrastructure, team assembly, and product rollout.Comprehensive Product Management: Managed a diverse portfolio of banking products, including liabilities, unsecured loans, mortgages, dealership products, and core liability products, ensuring a robust offering to meet various customer needs.Team Leadership & Training: Built and trained a competent team from the ground up, equipping them with the necessary skills and knowledge to excel in their roles and deliver exceptional service.Asset & Liability Oversight: Ensured the smooth operation of both asset and liability business segments, demonstrating a balanced approach to financial management.Credit & Collections: Directed the collections process for asset products, encompassing both secured and unsecured loans, contributing to the State's health and stability.

Mumbai

- Product Manager - Microfinance, Micro Enterprise loans, GIS, Partnerships and onlending to MFIs- Sourcing Business correspondent partnerships and execution of same in the field. (Both Assets & Liabilities)- Technology integration with the products. - Creation of Forms & Agreements of products handled- Coordination with departments for clearance of products, forms & Agreements - Evaluation of Loacations of Bank branches esp Rural Branches in compliance to RBI guidelines.- Other ancialliary patnerships (Insurance, desgins, translators etc.)

Mumbai, Maharashtra, India

-Development & Launching of products (Unsecured) for the product. -Handled NBFC MFI lending for companies under Rs 1000 crs AUM. Built a portfolio of 13 NBFC with 650 crs portfolio.-Recruited team to handle onlending product and working on Business Correspondent product

Circle Office, Mumbai

Credit Analysis of MFI for Term Loans, Assignment & Securitizations deals. Business correspondent models management.

1. Managed client base in Rajasthan with a cumulative disbursement of 680 Crores and 48.6 Crores outstanding, 7 departments, and a staff strength of 450+ in Rajasthan.2. Assessed Key Loan Availing Factors (KLAF).3. Oversaw Rajasthan Region with 104 branches, presently 62 branches.4. Participated in pilot and roll-out of cross selling of micro-insurance products / Nokia handsets/ HUL water purifiers cross selling. 5. Did highest number of recruitments; 16 recruitment drives where 200+ staff were recruited and maintained best portfolio quality.6. Consolidated non profitable branches which limiting with 0.5% of NPA in the field later revived some of them back on growth track.7. Coordinated with several government officials like Collectors, DIG, NABARD Chairman, RRB's Chairman, Jaipur.8. Bajaj Allanz Retail Insurance award for Highest and Best quality penetration in Rajasthan doe the business done during, Phase 1: (Dec-08 to March-09), Phase 2: (July-09 to Sep-09).9. People Development and Leadership Presence identified as my Areas of Strength by MERCER.10.Trained Area Manager and Assistant Area Manager in Bhubaneshwar, Kolkatta, Nagpur, covering entire layer pan India in workshops organized by HR.

 Accountable for the operations of branches and sales of core products Responsible for the process allied with cross selling and portfolio quality maintenance Handling the activities correlated with recruitment and people management Efficiently monitored the operations dealt with PR activities Implementing effective strategies with a view to achieve business objectives.  Increasing Portfolio in both Member acquisition and quality improvement of branches. Maintaining cordial relationship with customers, ensuring quality and service norms to achieve customer satisfaction and business retention.

Project: To find the reasons for Plummeted sales of GRAMOXNE : a leading herbicide in its segment in Punjab and Haryana.-- Analysis of impact of generics on the sales of GMX.-- PUSH vs PULL activities of dealers and the company for this segment of product.-- Impact of non-organized lending by money lenders via dealer to growers on PUSH of generics.-- Analysis of Key Buying Factors and build up Matrix to show importance of different factors.-- Importance of Packaging.-- SWOT with reference to existing and coming products.

Mba, Agri Business

Activities and Societies: Website development, Active volunteer for Guest lectures and leadership programs.

M.Sc, Biotechnology

Activities and Societies: 1. Thesis on Human genome and its related genetic Syndrome. 2. Project in UAS, Banglore

2004 B.Sc, Biotechnology