Experience

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  Apollo tyres ltd

  Feb 1998 - Aug 2001

  Senior sales executive

  At Indore (MP). A Leading Truck Tyre Company From Its Exclusive Dealer NetworkExclusive Dealer Network Handling & their Development.Sales & Collection Target Achievement In The Allocated Territory.

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  Bridgestone india pvt ltd

  Aug 2001 - Apr 2004

  District sales manager

  • Handling A Team of six sales executive and C&F operations based at Jaipur.• Motivating and imparting training to C&F staff & tyre dealership.• Dealer Network Handling (looking after 70% the Rajasthan state territory)• Ensuring sales revenue & unit budget achievement in the allocated territory.• Handling Claims of OE and replacement market.• Developing new dealer network, handling of OEM Franchisee.• Conducting extensive campaigns & meets for radial customers/mechanics.• Indenting & Forecasting.• Price Monitoring and control in replacement market. Show less

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  Icici bank ltd

  Apr 2004 - Sept 2005

  Asst manager sales - medium & heavy commercial vehicle loan

  Medium & Heavy Commercial vehicle ( RAPG) based at Delhi looking after South Delhi & Faridabad MarketTo sell vehicle finance in Commercial Vehicle segment in Delhi / Faridabad Market Achieve the sales budgets for each category of Commercial vehicles - HCV / LCV / ICV & Pick ups of the said location Build and manage direct and indirect sourcing channels.Manage profitability - Productivity, Yield and acquisition cost within the budgeted levelsAchieve the budgeted cross sell targetsIdentification, hiring , training and retention of the desired feet on street at location level.Monitor competitor sales strategy and suggest plans to RSM / ASM to counter the sameMonitor - Volumes, Productivity, Yield, Cross Sell penetration, Channel Mix, Sanction Rate and Disbursal Rate. Educate and train the team members on the policy requirementEnsure and check that policies and standards are being implemented at the ground level Show less

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  Hdfc bank

  Sept 2005 - Dec 2006

  Manager ctg cross sell - working capital loan product for commercial vehicle owners

  • Looking after Working capital financing needs of clients engaged in Logistics industry . • Acquiring new clients & servicing existing clients of Commercial Vehicle by offering both Fund based & Non Fund Based product as per the requirement of the client keeping in line with the company’s policy and as per the Profile of the clients which were broadly classified into 02 categories – Fleet Operators & Freight booking Companies • Offering Fund based product like Working Capital Limit account , Working capital demand Loan / Short term loans by understanding the client’s requirement and eligibility criterion as designed by the Bank .• Classifying and grading the borrowers based on the select parameters both qualitative & quantitative to arrive at a final grading for the customer, which would in turn decide the nature and size of the credit facility, which can be offered to the borrower . • Offering Non Fund based products like Bank Guarantees & Letters of Credit to the target segment / Existing bank clients for Participation in bids and performance guarantees• Ensuring Budget achievement Bank Guarantee targets , catering to Logistics sector only besides taking care of new Current accounts under Product Code 284 ,813 & 814 & FD’s from Transporters.• Extending Trade Advance Facility to Commercial Vehicle Dealers so as to ensure strong & continuing relationship and support from both ends. • Coordinating with Bank Branches for enhanced services to the customers.• Ensuring both addition of new clients with a proper mix of new Clients besides retaining existing clients by providing proper back up services . Show less

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  Tata motors finance ltd

  Dec 2006 - Sept 2010

  State head credit for commercial vehicles & passenger car loans

  • Under-writing of Commercial Vehicle & Passenger Car Loans of Rajasthan State • Overlooking different channel partners – CPA ,FI Agency , property valuer , Vehicle Evaluator – ensuring quality & TAT .• Undertaking Green Channel Approvals , based on Sales monthly request , for strategic & super strategic customers .• Undertaking regular interaction with Sales / Remedial / FCU to detect early warning signals .• Conducting regular Training sessions for CPA , Sales & Channel Partners – so as to keep sales & channel partners updated with the amendments in Credit policy & brushing up with existing policy • Interacting regularly with HO – Suggesting for simplification / amendment of existing credit policy in the dynamic market scenario .• Keeping tap on each branch’s delinquency / PDD level , ensuring / taking corrective action prior to its reaching its bench mark . Show less

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  Dhanlaxmi bank ltd.

  Sept 2010 - Jul 2012

  Chief manager – central credit underwriting

  • Credit Underwriting of Dealer Funding deals (Inventory Finance & Trade Advance facility to Commercial Vehicle and Passenger Car Dealers) on Pan India level for procurement of stocks from the manufacturer• Maintain the corporate credit policy as per the parameters laid down in Product Policy Guideline. Taking necessary deviation from requisite authority with proper justification and documentation.• Appointment, monitoring and evaluating the performance of the stock auditor at bank approved locations. Conducting regular training programs to avoid any incidence of misinformation and/or poor conduct of the auditor or its employees • Conducts on-site analysis (Stock Audits for Inventory Funding Accounts) of dealership's through appointed auditors to compute SOT . Continuous monitoring of the repayment from the dealer based on the periodic Stock-Audit Reports received• Ensure periodical review and renewal of existing facilities extended to dealers on past repayment behavior with the bank , Financial strength & market feedback • Appraising regular requests of ad-hoc limit & Temporary overdraft facility of existing dealers • Regular monitoring of the existing limits with respect to churning of limits , overdue accounts , deferrals taken at the time of deal approval .• Additional responsibility of appraising and presenting Buy-out of portfolio of other NBFC’s and financial institution to the Board of directors • Undertaking Originator / Servicer analysis , Portfolio and static pool analysis , pool selection based on banks underwriting policy , system, policy, pool and process audit of originator for all buyout transactions Show less

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  Ing vysya bank

  Jul 2012 - Dec 2015

  Regional credit manager ( cv / ce )

  • Credit Appraisal and Sanctioning of Commercial vehicle and Construction Equipment Loans for North (NCR / Jaipur)• Maintain the corporate credit policy as per the parameters laid down in Product Policy Guideline. Taking necessary deviation from requisite authority with proper justification and documentation.• Regular Audit of disbursed files and processes • Undertaking Green Channel Approvals, based on Sales monthly request, for strategic & Large customers.• Undertaking regular interaction with Sales / Collections / RCU to detect early warning signals.• Re Launching entire credit process for commercial vehicle & construction finance in North India• Re aligning the credit policy frame work as per current market practices Show less

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  Tata motors finance solutions private limited

  Dec 2015 - Feb 2024

  Regional credit manager refinance

  • Credit Under-writing of Used Commercial Vehicle Loans for North Region. Ensuring maintenance of high standard of credit underwriting quality within the region.• Lead implementation of the credit strategies in the assigned region, understanding customer requirements and suggesting right product mix company has to offer.• Closely monitoring early delinquency triggers - 30+ and FEMI for the region. Driving team to maintain branch and zonal level ED within stipulated limits.• Controlling PDD’s, regulating and monitoring RC Limit extended to DSAs and TSMs of the region• Integral part of launch of TURBO (LENTRA) and Multi vehicle CAM projects from Credit vertical. Interacting regularly with HO – Suggesting for simplification / amendment of existing credit policy in the dynamic market scenario.• Conducting monthly review of risk cubes, sending early warning signals to all stake holders and taking corrective actions wherever required.• Coordination with audit team for completion of audit Show less

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  Tata motors finance

  Jul 2023 - now

  Deputy vice president credit
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  Tata motors finance

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  Deputy vice president credit