Sushmita Ghoshal

Experience

• 

  Mahindra & Mahindra Financial Services Limited

  Apr 2018 - Jun 2018

  Intern

  Intern

• 

  Mahindra Finance

  Jul 2019 - Nov 2024

  Circle Incharge- East Zone• Handling Nadia district with team of 4 executives for business and collections. Ensuring achievement of monthly business targets and collections of customers on timely basis by doing sprint planning and brainstorming activity which will generate innovative ideas to increase business. • Demonstrating and explaining the product knowledge to new channel partners. Develop business relationship with channel partners to increase new customer base and generate prospective business leads.• Handling end-to-end negotiations, focusing on customer requirements and closure of business deals with prospective customers by serving as a point of contact between business requirement and operational obligations. Also ensuring timely resolution of all financial compliances through different offered Services. • Analyse the financials of the customers such as ITR, CIBIL, and transaction history to check the financial ability and credit worthiness of the customer suitable for the payment solutions. • Maintain data analysis and reporting for the East Zone (North East, West Bengal, Jharkhand & Orissa) regarding lead management, daily business, CD CE collection reports using Tableau, CRM, Advanced Excel and MS Office other applications. • Developing the interest within the rural & semi urban customer’s internet banking for easy EMI payments. Arranging daily stand up meetings with executives and visiting customers to understand the backlog the delays in EMI on due date. • Discovered 30 new channel partners and introduced to the organisation, products and policies for business development.• Hired 50 new interns for the East Zone as per proper screening and interview. Provided them training and explained cross selling products and vehicle loan products for additional business. Show less • Handled a team of 3 in Maldah district. Reached monthly targets of business. Individually contributing for personal loan. Performed Go-to Market strategies and activities to create awareness about the products financed in the rural and semi-urban areas. • Conduct market estimation, gather data to analyse the viability of the product in the rural and semi-urban areas through Pricing and Competitor Analysis. • Analysed the past data to understand the availability product knowledge of customers in different rural and semi-urban areas in Siliguri. And generated 10 doable leads every month. • Forecasted the demand of their product based on the market situation across different areas. Show less

  • Area Business Manager

    Apr 2024 - Nov 2024

  • Deputy Manager

    Jul 2021 - Nov 2024

  • Management Trainee

    Jul 2019 - Jun 2021