• Plan, strategize, and execute monthly/yearly sales targets and marketing campaigns to meet AOP objectives and drive continuous business growth.• Maintain and grow organic traffic through the website and app while supporting the organization's business development goals.• Expand digital footprints across 100+ cities with a focus on Tier 2/3 cities to achieve profitable business volumes. Drive digital adoption across product lines withautomated sanction processes and paperless disbursements.• Develop new, high-yield loan products using scorecard-based, ‘No-Touch' processes and manage online marketing strategies and budget.• Manage P&L for the digital channel with a focus on low C/I, controlled credit costs, and enhanced customer experience, leading to high DIY penetration.• Monitor book performance, applying policy-based course corrections as needed.• Collaborate with product heads to create exclusive offerings for online traffic.• Establish long-term client relationships, expand business opportunities, and negotiate favorable contracts with suppliers and vendors.• Develop training programs for new hires, ensuring seamless onboarding and rapid team integration.• Launch new products by coordinating with internal and external teams for smooth market entry.• Promote a customer-centric approach by delivering tailored solutions aligned with client needs.• Implement data-driven decision-making to identify market trends and adjust strategies for maximum impact.• Collaborate with senior management to develop strategic initiatives and ensure regulatory compliance through robust internal controls.• Analyze industry trends, track competitor activities, and implement succession planning for continuity during leadership transitions.

Established and scaled a distribution network across regions, identifying and mapping retail outlets for product placement.• Identified distribution gaps and expanded coverage, monitoring channel and sales team performance at regional and state levels.• Launched new products by coordinating with internal and external teams to develop and implement go-to-market strategies.• Promoted a customer-centric approach delivering tailored solutions to meet client needs and enhance satisfaction.

Designed and implemented a risk management framework, assessing financial impacts and mitigating potential risks.• Monitored and managed enterprise risks including credit, fraud, compliance, and regulatory risks.• Developed an Early Warning System (EWS) to identify risks and recommend proactive mitigation measures.• Automated retail business policies and risk processes, ensuring compliance and operational efficiency.

• Managed nationwide credit underwriting operations, ensuring consistent application of credit policies.• Directed credit operations, loan sanctions, audits and compliance for new and used car loans, two-wheelers, and commercial vehicles.• Led the revamp of credit policies to align with industry standards, reducing financial risks.• Developed and implemented training programs to ensure efficient credit operations and policy adherence.

Managed credit underwriting across Northern India covering regions including Delhi, UP, Rajasthan and Punjab.• Oversaw loan portfolios - New Car, Used Car & Commercial Vehicle Loans ensuring adherence to credit quality standards and regulatory guidelines.• Leveraged data-driven insights to optimize credit processes and improve efficiency.• Managed TAT for login, sanction, and disbursal and led product and policy roll-outs.