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Work experience

Aug 2013Present

Branch Manager, Vehicle Finance

Cholamandalam Investment & Finance Co Ltd
  • Achieving Segment wise (Direct/Retail/Refinance) Disbursal Target for Commercial Vehicle & Personal Car.
  • Maintaining Branch Profitability by achieving specified IRR targets.
  • Monitoring and Guiding Team Performance for optimal productivity.
  • Responsible for achieving Cross sell targets in products like MI, Life Ins and PAC.
  • Negotiate rates and fees, close deals.
  • Working closely with Vehicle Manufacturer team for designing Customised finance schemes.
  • Write weekly figures and reports.
  • Identify opportunities for business development.
  • Reviewing and maintaining bucket wise collection mechanism.
May 2012Jul 2013

Branch Manager

Tata Motors Finance Ltd


  • Achieving Segment wise disbursal Target for Commercial Vehicle & Personal Car.
  • Maintaining specified IRR for the Branch.
  • Monitoring Performance of the Sales Team for increasing market share.
  • Achieving Branch Target for Direct Business with Insurance Provision.
  • Negotiate rates and fees, close deals.
  • Write weekly figures and reports.
  • Identify opportunities for business development.


  • Achieving Branch ME Target in Bucket 1-4.
  • Control NPA by monitoring parameters of Roll Back, Roll Forward across all buckets.
  • Reviewing Agency Performance and sharing the same with Agency owner
Apr 2008Apr 2012

Sales Manager, Two Wheeler Finance

HDFC Bank Ltd
  • Achieving Branch wise disbursal Target for Two Wheeler business in Nort East.
  • Monitoring Proper manning in Dealership for better market penetration.
  • Maintaining TAT of disbursals.
  • Monitoring Inventory Funding of Dealers.
  • Achieving Branch Cross Selling Targets.


Sep 2007Mar 2008

Relationship Manager, Commercial Vehicle

ICICI Bank Ltd
  • Responsible for Direct and Dealer sourcing of business.
  • Working closely in an integrated manner with the Direct Sales Team & DSA’s in CV to leverage existing dealer relationships.
  • Maintaining TAT of disbursals.


Feb 2004Aug 2007

Territory Sales In Charge

MRF Limited
  • Achieving Sales targets of various product groups.
  • Penetrating unrepresented markets through appointment of new dealers.
  • Managing fleet accounts.
  • Managing proper distribution & allocation of products through C&F.
  • Organising Promotional activities.
  • Tracking Competitor’s activities for a better grip on the market.


Dec 2000Jan 2004

Sales Executive, Higher Education Products

Macmillan India Ltd
  • Sales & Promotion of Higher Education Products at all leading Institutions & Organisation in the entire North Eastern States.
  • Organising Seminars & Book Reviews.
  • Participating Book Fairs for even promotion of products.




Aug 1997Dec 2000

Bachelor of Arts

B Borooah College
Aug 1995Jul 1997


Sibsagar College
Jan 1985Apr 1995


GBME School


DOEACC "O" Level



Flat No- 601, Sanjog Apartment.

Jatia. Kahilipara Road. Guwahati.

Assam. India. P.I.N- 781006