Collaborative leader partners with coworkers to promote engaged, empowering work culture. Documented strengths in building and maintaining relationships with diverse range of stakeholders in dynamic, fast-paced settings.
Overview
24
24
years of professional experience
Work History
Zonal Manager
Tata Capital Housing Finance Ltd
12.2021 - 10.2025
Increased company growth through collaboration with sales and marketing departments.
Collaborated with senior management to develop strategic initiatives and long term goals.
Established and directed successful programs focused on Profit.
Demonstrated proficient leadership skills to motivate employees and build competent teams.
Developed innovative sales and marketing strategies to facilitate business expansion.
Maintained P&L and shouldered corporate fiscal responsibility.
Led recruitment and development of strategic alliances to maximize utilization of existing talent and capabilities.
Grade Assistant Vice President -Asset Disposal
Tata Capital Housing Finance Ltd
03.2018 - 08.2019
Managing property disposal & Write off PAN India
GNPA and Credit cost management
Representing IFC (Internal Financial control) audit for Collection vertical
PAN India Real Estate Broker empanelment
Reserve Price fixation and Conducting Online Auction
Following NHB guidelines and SARFESAI Act 2002 implementation
Online and private treaty paper publication
Liaison with legal department for Sale notice, Possession notice, 13(2) and 13(4)
DM Order execution through Enforcement Agency
Sale certificate issuance and completion of Sale deed
Sale Contract finalization for Sears Home Improvement products for Connecticut, Maine, Providence Massachusetts, and Rhode Island area
Working on leads provided by national call centre
Ensuring Dollar per sale as prescribed by organization
Helping customer to close with help of company software
Licenses from Connecticut state Department
Grade: Assistant Vice President
India Infoline Limited (IIFL)
06.2015 - 08.2016
Setting up Affordable Home Loan teams across region
Handling soft collections for entire region
Setting up new branches and opening new markets for Affordable Housing
Major affordable housing & PSL sourcing
Recruited 35 high performing sales professionals across region in one quarter
Leading PAN India for APF code generation and responsible for region collection
Sourcing Project Finance for CAT C and D builders
Worked with Credit Underwriting team to develop Product Manual for the sales staff which contained a summary of underwriting guidelines for a broad array of mortgage products
Grade: Senior Manager
Axis Bank Limited
09.2012 - 05.2015
Launch of Project Shikhar: Lean Management program with McKinsey. Change management in Home Loan process in consultation with McKinsey reducing overall TAT and increasing business by making all vertical’s responsible
Launch of Project VISTARA: Project for inclusion of remote branches for retail lending. Project included identifying branches for offering Retail Banking products to existing customers of the bank & New to Bank customers (Nasik, Solapur, Nagpur Amravati and Aurangabad)
CRM launched across all Bank branches, capturing branch leads on CRM till entire fulfillment. Helped in smooth integration of data flow and lead management
Launch of ASHA Home Loans from entire region
Liaison with HDFC Credila for scaling up educational loans
Rest of Maharashtra region had highest Rural Penetration PAN India
Impart Training across region to all resources on new initiatives in Branches and Retail Assets Team as part of RCSM KRA
Handling 140 Branches across Rest Of Maharashtra & Goa
Functional Reporting of 25 Asset Relationship Managers and 44 Cross Sell Managers across region
Volumes ramp up from 37 million in September 2014 to 260 million in March 2015
Handling Pune, Nashik, Kolhapur, Solapur, Aurangabad, Nagpur for Home Equity
Setting up X bucket call centre in Pune
Managing targets and IRR & National Award for highest growth in Home Equity
Starting as Collection Manager and then elevated as Cluster Collection Manager
Setting up collection agencies in Pune, Nasik, Kolhapur, Solapur & Aurangabad
Empanelment of Repossession agency
Instrumental in getting Portfolio back in shape
Instrumental in setting up Locations across Rest of Maharashtra
Recruiting Sales Managers & FOS team
Area Sales Manager
Standard Chartered Bank (Personal Loans)
01.2007 - 09.2008
Setting up 40 Referral partners in Mumbai
Revenue Ramp-ups from 6.5 million in January 2007 to 16 million in May 2007
Revenue generation and profitability by cross selling
Deputy Manager
UTI Bank limited (Personal Loan)
09.2005 - 01.2007
Managing Lead Generation from sales team
Setting up Direct Sales Team of UTI Bank in Mumbai, Direct Sales Team strength 65
Coordination with 35 Branches and 7 channel partners in Mumbai
Revenue Ramp-ups from 7.5 million in August 2005 to 10 million in October 2006
Increasing Direct Sales Team strength from 6 to 36 in one month
Launching attractive schemes for Personal Loans during Diwali
Assistant Territory Manager
GE Countrywide (Auto Loans)
09.2004 - 09.2005
Setting up Direct Sales Team of GE Countrywide in Mumbai, Direct Sales Team strength 130 (84 –Tele Callers & 46 – FOS)
Managing Lead Generation activities of various agencies in Mumbai, Gujarat& rest of Maharashtra
Setting up Loan buy-out process and multiple car strategy
Increasing profitability by Cross-selling Life and Motor Insurance
Making Mumbai the 1st Location in India to hit and subsequently cross the 1 million mark
Revenue Ramp-ups from 24 million in October 2004 to 175 million in May 2005. (National Ranking up from 17th to 1st in eight months)
Duplicating and Setting up the Mumbai re-finance Business Model in Pune region
ICICI Bank (Credit Cards) Unit Head & SEF Coordinator
09.2003 - 09.2004
Setting up Direct Sales Team in Pune, strength 98 (80 – FOS & 18 – Tele Callers)
Corporate tie-ups with salary account & setting kiosk at strategic locations
Recruitment, Training, and Induction of sales team
Enhance existing relationships and establish new partnerships with Corporate
Consistently exceeded monthly targets by 20 – 25 %Pune Direct Sales Team achieved the No. 1 status in the Western region
Successfully city mapping of Pune and Kolhapur
Obtained senior management approvals for Life-time-free cards in Pune region
Standard Chartered Bank (Mortgages)
08.2001 - 10.2003
Managing and monitoring various channels of Acquisition in Pune Region viz Channel Partners
Increase visibility, awareness, and demand for the banks Mortgages Products by undertaking cost effective promotional activities
Education
Master of Arts - Economics
University of Mumbai
Mumbai, India
05-2022
Certificate Program - Financial Planning
Bryant University
01.2017
Bachelor’s in science - Physics
University of Mumbai: Birla College
01.1997
Skills
High performing, multi award winning professional offering a history of strong Collections and Sales results, even in the face of intense competition and volatile economic condition
Overall, 20 years Banking and Financial Services Industry experience with expertise in Sale of NPA stressed Assets, Affordable Housing, Mortgage & Auto PL Collection
Collections, Sales and Vendor Management
Marketing management
Profit and loss management
Risk management
Problem-solving abilities
Collaborate cross-functionally
Complex Problem-solving
Lead generation
Problem-solving aptitude
Organizational skills
Performance tracking and evaluation
Goal setting
Cost control
Write Off and NPA Management
SME (Subject Matter Expert) in handling process for McKinsey, KPMG
Certificate Program in Financial Planning from Bryant University, Rhode Island USA
ARC Tycoon Award for best performance in February 2020, Super Star Award for March 2019 Tata Capital Housing Finance Ltd, Consecutive winner IIFL Affordable Housing Best Regional Sales Manager in “Surprise Home Loan Contest” 2016, Nominated and completed NHB SARFESAI Act workshop 2018, National Award winner “Guts n Glory” Home Loan Insurance contest India Infoline Ltd 2016, National Award for Educational Loans, Axis Bank 2015, National Award for Rural Penetration, Axis Bank 2015, Best Regional Cross Sell Manager for Gold Loans, Axis Bank 2015, National Award for performance recognition Tata Capital for Dec 2009, National Star Award in Collection winner 2 months in row Tata Capital, Nominated for Tata Capital Executive Leadership Development Program, Highest Write off collection PAN India 5.1 million in Jan 2011 Tata Capital