• Successfully leading both Rural and Affordable verticals as Zonal Manager, overseeing Sales, Credit, and Collection functions across Andhra Pradesh, Telangana, Karnataka, and Odisha.• Managed a team of 6 direct reports with an overall team size of approximately 1800 members.• Launched the Rural Housing product in Andhra Pradesh in 2009, expanding the branch network to 153 branches across 4 states.• Initiated the Affordable vertical in 2016, growing the branch network to 49 branches in Andhra Pradesh, Telangana, and Karnataka.• Achieved a total disbursed value of ₹1600 crores in Rural Housing, with a current AUM of ₹690 crores.• Secured a total disbursed value of ₹850 crores in Affordable Housing, with a current AUM of ₹680 crores.• Played a crucial role in developing products, policies, and processes, including state-specific RH products and policies for Karnataka.• Developed an induction training curriculum and conducted 23 training programs, each with an average batch size of 40.• Drove the company's digital transformation through the implementation of Finone Neo, Vymo, MCollect, Exba, and other web-based modules.• Served on the HO operating committee for 2 years, contributing to overall company operations improvement.

• Led a high-performing team comprising 8 Branch Sales Managers, 48 Direct Sales Team members, and 45 Direct Marketing Agencies, driving significant growth in the Home Loans Vertical.• Consistently exceeded budgeted sanction and disbursement targets, contributing to the overall success of the Home Loans Vertical.• Expanded retail distribution channels, both direct and indirect, significantly increasing market penetration and customer acquisition.• Successfully recruited, trained, and retained a top-notch Feet on Street (FOS) team, ensuring sustained performance and reduced turnover rates.• Orchestrated impactful marketing events that substantially increased the loan book size, meticulously balancing pre- and post-event profit and loss.• Identified and capitalized on potential new markets and territories, leading to successful market launches and expanded geographical reach.

• Spearheaded budgeting and growth-oriented sales revenue strategies, driving substantial business growth.• Efficiently oversaw the daily administration of indenting and stock maintenance of consumables and spares, ensuring optimal inventory levels.• Enhanced revenue through exceptional after-sales service management, significantly contributing to overall profitability.• Maintained accurate and up-to-date Petty Cash Book records, achieving cost control by minimizing unnecessary expenditures.• Prepared comprehensive month-end sales sequences, providing valuable insights for strategic decision-making.• Fostered a motivated and innovative team environment by promoting creativity and informal work culture, leading to improved team performance.• Effectively managed channel operations, optimizing channel partner relationships and driving increased sales.

• Generated significant sales revenue by effectively promoting concepts to retail, wholesale, and corporate segments, resulting in expanded market share.• Delivered exceptional after-sales support to major customers, driving additional sales through high referral rates from a satisfied existing customer base.