• Location Head with Axis Bank Ltd , Ludhiana Branch distinction of handling complete Retails Assets products Sales and Operations, with a team of 160 members for Home Loan , LAP, SME, EEG, GL, Auto Loan ,CV, and Personal loan.• Deftly handling Financing of All Retail Assets product (Loan Product) for Ludhiana Phillaur, Khanna Mandi Govindgarh and Moga location.• Accountable for completely managing the day to day operations and administrative functions.• Maintained KRA (Key… Show more • Location Head with Axis Bank Ltd , Ludhiana Branch distinction of handling complete Retails Assets products Sales and Operations, with a team of 160 members for Home Loan , LAP, SME, EEG, GL, Auto Loan ,CV, and Personal loan.• Deftly handling Financing of All Retail Assets product (Loan Product) for Ludhiana Phillaur, Khanna Mandi Govindgarh and Moga location.• Accountable for completely managing the day to day operations and administrative functions.• Maintained KRA (Key Responsibilities Area) report of team members on daily & monthly basis .• Managing Team of multiple products of retail assets. • Responsible for Recruitment, Training and development of Team members and all the HR function also like Recruitment and Termination. • Accountable for Productivity of Team members.• Cross selling Life Insurance, MF and GI through Team members.• Revenue Generation from various sources.• Responsible for Branch Profit & Loss.• Managing audit & compliance, reconciliation of accounts and cost control in accordance to company’s operational policy and guidelines Show less

• Branch Manager with Shriram housing finance , Ludhiana and Jalandhar Branch distinction of handling complete Sales, Operations, Collection and Credit with a 9 member team for Home Loan , • Deftly handling Financing of Home Loan for Phagwara, Hoshiarpur, Kapurthala, Noormahal, Nakodar, Ludhiana, Khanna Mandi Govindgarh and Jalandhar location.• Accountable for completely managing the day to day operations and administrative functions• Maintained KRA (Key Responsibilities Area)… Show more • Branch Manager with Shriram housing finance , Ludhiana and Jalandhar Branch distinction of handling complete Sales, Operations, Collection and Credit with a 9 member team for Home Loan , • Deftly handling Financing of Home Loan for Phagwara, Hoshiarpur, Kapurthala, Noormahal, Nakodar, Ludhiana, Khanna Mandi Govindgarh and Jalandhar location.• Accountable for completely managing the day to day operations and administrative functions• Maintained KRA (Key Responsibilities Area) report of team members on daily & monthly basis • Ensured timely service delivery as well as collections from the clients within the stipulated period while managing the distribution system of the company and maintaining smooth operations• Responsible for retail Lending, Operations , credit appraisal, recovery and overall branch management.• Recruiting, training, managing cross-functional teams and invoking work commitments among team members to achieved agreed performance targets.• Managing audit & compliance, reconciliation of accounts and cost control in accordance to company’s operational policy and guidelines.• Accountable for Business development, channel development/ management - DSAs, credit appraisal, recovery and overall branch management.• Instrumental in hiring, training and performance management of sales officers while looking after sales & business development operations across Ludhiana and Jalandhar region. Show less

• Deftly handling Financing of Home loan and Lap for Phagwara, Hoshiarpur, Kapurthala, Moga, Jagraon Nawanshahar, Batala, Gurdaspur and Kartarpur location.• Entrusted with the responsibility of financing operations, ensuring top line and bottom line profitability of the region. Formulate budgets, advertising plans, and promotional schemes with a view to garner new accounts & meet revenue targets.• Educated Team member about special offers for maximum benefit to clients• Responsible… Show more • Deftly handling Financing of Home loan and Lap for Phagwara, Hoshiarpur, Kapurthala, Moga, Jagraon Nawanshahar, Batala, Gurdaspur and Kartarpur location.• Entrusted with the responsibility of financing operations, ensuring top line and bottom line profitability of the region. Formulate budgets, advertising plans, and promotional schemes with a view to garner new accounts & meet revenue targets.• Educated Team member about special offers for maximum benefit to clients• Responsible for Home Loan and Loan Against property retail lending operations from identifying potential customers, loan appraisal, loan sanction, documentation formalities and disbursal of loan.• Formulating innovative sales and marketing strategies to generate favorable disposition in customers’ minds. Analyzing market intelligence to align business strategy accordingly.• Managing business through sales team; enhanced retail penetration & profits of the branch through fund based and non-fund based business.• Recruiting, training, managing cross-functional teams and invoking work commitments among team members to achieved agreed performance targets.• Accountable for Business development, channel development/ management - DSAs, credit appraisal, recovery and overall branch management. Show less

Sales Manager - Auto Loan, Lucknow Baraill, Meerut & Ludhiana (Jul 2008 – Jul 2009)Asset Desk Manager (since July 2009 – April 2011) • Asset Desk Manager with HDFC Bank, Ludhiana and distinction of handling complete asset operations with a 9 member team for 9 different products including Auto LOAN, Home LOAN , Two Wheeler, Business LOAN, Personal LOAN, Loan against Property, Gold Loan & Business Banking etc.• Deftly handling Financing for diverse range of loans including… Show more Sales Manager - Auto Loan, Lucknow Baraill, Meerut & Ludhiana (Jul 2008 – Jul 2009)Asset Desk Manager (since July 2009 – April 2011) • Asset Desk Manager with HDFC Bank, Ludhiana and distinction of handling complete asset operations with a 9 member team for 9 different products including Auto LOAN, Home LOAN , Two Wheeler, Business LOAN, Personal LOAN, Loan against Property, Gold Loan & Business Banking etc.• Deftly handling Financing for diverse range of loans including for Ludhiana region and dexterous in managing other vehicle segments• Maintained timely MIS & database reflecting the trends & developments regarding sales and business development etc. for budgetary & strategic review targeting enhanced revenue generation • Responsible for overall retail lending operations from identifying potential customers, loan appraisal, loan sanction, documentation formalities and disbursal of loan.• Formulating innovative sales and marketing strategies to generate favorable disposition in customers’ minds. Analyzing market intelligence to align business strategy accordingly.• Managing business through sales team; enhanced retail penetration & profits of the branch through fund based and non-fund based business. Show less