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  • A dynamic professional with >15 years of rich experience in sales/collection/credit underwriting (retail) and marketing / revenue expansion activities with reputed industries in diverse sectors (Financial, Petroleum, Pharmaceutical and Semi Durable).
  • Strong business acumen with expertise in creating sales & business development procedures, dealer / distribution, marketing strategies (pre and post) as well as service plans and guidelines, ensuring customer satisfaction through effective customer communication plans.
  • Adept in managing entire life cycle in development / introduction of new brands including product type & quality assessment, multi vendor positioning, pricing policies, outlet merchandising and visibility plans, market / customer feedback surveys, etc., collaborations & tie-ups for establishing primary & secondary networks.
  • Strong business acumen with proven proficiency in initiating a wide range of promotional activities, trade programs, exhibitions for different dealers to establish market presence as well as increase revenues and profitability for products & services.
  • Comprehensive experience in developing relationships with key decision-makers / dealers / channel partners in large corporate & enterprises / Govt. / Public & Private Sector for business development, suggesting most viable services & cultivating healthy relations with them as well as securing repeat orders / business.
  • An effective leader with abilities in recruiting, leading, training & motivating a workforce of Employees/Business Associates / Channel Partners, cross functional teams for accomplishing greater operational efficiency towards selling and promoting cost effective products / solutions for business excellence.

Work experience

May 2015Present

Cluster Head-MSME Funding

SREI Equipment Finance Ltd
  • Managing the portfolio of  MSME clients for Mumbai, Greater Mumbai,Pune & Rest of Maharshtra(ROM) Cluster through a team of 8 Relationship Manager's.
  • Close Monitoring of Clients to identify their needs and extending them right offerings from our total product basket.
  • Exploring the enhancement opportunities to the existing customers and providing them suitable solutions.
  • Acquisition of new clients from scoping of the available market especially in the Rural areas and adding them to our portfolio through relationship building.
  • Preparation of the Credit Approval Memos (CAM), processing of the deals and presentation of the same to credit team and follow up till disbursement.
  • Renewal of the credit facilities given to the existing clients.
  • Cross Sell of different products to the existing client and deepening of relationship with them for Total Wallet share.
  • Organizing training of Relationship Managers on entire range of products as well as staff of other verticals in order to increase acceptability of our products inside the organization.


  • Disbursement of INR 350 crs.from May-Dec 15, highest achievement by any MSME team Pan India.
  • Productivity levels of each RM touching a new milestone of more than INR 5 crs month on month.
  • Disbursement in all the 11 branches of the cluster in order to popularize the product not only within our company but also giving confidence to the branches on the USP of the product.
  • Retention of the existing customers of MSME segment, no client has exited from the relationship in my tenure as of now.
  • Revenues increased by more than 10% through management of pricing & additional collection of management fees from clients leading to reduction in Cost of Risk.

Aug 2012Apr 2015

National Sales Manager-VFS Alliance

SREI Equipment Finance Ltd
  • Responsible for entire Pan India operations of the Volvo Financial Services (VFS) Alliance for SREI BNP Paribas with special emphasis on financing of new Eicher Commercial Vehicles.
  • Managing an overall team of 8 RSM’s/Team Leaders with 50 Dealer Relationships Managers for generating business volume of INR 40 crs month on month.
  • Close monitoring of receivables through separate asset receivable management team. One of the key Functions to ensure Nil ED/NS & NPA levels to be maintained at <2% of the overall portfolio. Overall portfolio size of INR >300 crs since inception with NPA levels of <2%.
  • Day to day collaboration with Credit & operations team to ensure robust portfolio quality & faster end to end turnaround time for all proposals logged in.
  • Relationship building & development of existing relationship with all VECV dealers pan India along with the entire VECV manufacturing team.
  • Involved in strategic initiatives like study of Customer behavior in current portfolio & address gaps if any on the same.
  • Regular interactions with the entire team for ensuring deliverables are in accordance to what has been prescribed as per KRA.
  • Part of the management committee of SREI which oversees the entire appvl process for all proposals being taken up for appraisal.
  • Organizing functional & on the job training for all team members to improve productivity & overall efficiency to manage costs optimally.
Jan 2010Jul 2012

Regional Head-West

Hinduja Leyland Finance Ltd
  • Spearheading responsibility for managing the gamut of operations pertaining to Maharashtra & Goa  for finance of all new Commercial Vehicle & Construction Equipment (CE) products.
  • Recruiting a team of 5 Product Managers & a team of 10 Branch In-charges with Product Executives & Marketing Officers for ensuring achievement of set targets for CV/CE finance across the locations. Business levels reached a peak of INR 15 crs for my region during my tenure
  • Managing credit appraisal of all proposals along with monitoring of the same to ensure robust portfolio behavior.NPA levels maintained @ <3% of the total portfolio of around INR 150 crs.
  • Monitoring customer selection criteria by evaluating debt repayment capability & willingness to pay along with regular income generation thru the proposed asset.
  • Liaising with all CV/CE dealers to ensure healthy Market Share for us in the aforesaid areas.
  • Cross selling of insurance products undertaken through Direct Sales Team for additional revenue generation.
  • Ensuring that collection targets are consistently met thru direct collection/follow-up thru demand notices etc.
Apr 2009Dec 2009

Regional Product Head-Commercial Vehicle Loans

Magma Fincorp Ltd.
  • Supervised the finance of all new Commercial Vehicle (CV) products for these 2 states.
  • Managed a team of 5 Branch Heads (new CV business) & a team of 10 FOS for ensuring achievement of set targets for CV finance across the SBU’s (Strategic Business Unit).
  • The combined business volume for designated SBU amounts to around INR 15 crores on a month on month basis.
  • Worked in conjunction with the collection/recovery heads to keep delinquency/PDD levels at below the designated levels of 2% of the total portfolio size.
  • Coordinated with all manufacturers of CV to ensure healthy market share for us pan India across their dealer counters.
  • Actively involved cross selling of Insurance & rentalization for all customers taking finance on commercial vehicles.
  • Successful in securing first rank across all SBU’s in terms of Insurance conversion & rentalization which in turn gave the company the much required additional fee based income leading to increased bottom-line.
Aug 2007Mar 2009

Sr.Manager-Business Development

Magma Fincorp Ltd.
  • Supervised the finance of all new CV products pan India.
  • Interacted with the credit & operations team to ensure end to end TAT for files being logged in.
  • Ensured delinquency / PDD levels at the minimum.
  • Coordinated with all manufactures of CV to ensure healthy market share for us pan India across their dealer counters.
  • Handled all payout related issues of channels for new CV business pan India.
  • Successful in achieving an annual loss pool fund of INR 77 lakhs from various commercial vehicle manufacturers through delinquency pool for FY 08-09.
May 2005Jul 2007

Relationship Manager-Commercial Vehicle Loans

ICICI Bank Ltd
  • Managed a team of 6 direct sales guys who worked together to achieve a combined disbursement volume of 3 crores.
  • Recruited and developed 5 new Direct Marketing Agents (DMA) for giving us a business worth 3 crores on a month on month basis.
  • Acquired new clients through various cross sell activities viz. collection of fixed deposits, opening of salary accounts of general insurance cases.
  • Organized loan melas and road shows in coordination with different dealers / DMA’s to increase penetration and reach as well as for creating a lasting brand image.
  • Collaborated with the liabilities department to achieve highest number of current account openings through the existing relationship customers.
  • Secured membership to prestigious platinum club for highest achievement in cross selling from Eastern zone in 2007.
Jul 2003Apr 2005

Cluster Manager-Retail Marketing

Reliance Industries Ltd
  • Worked in conjunction with franchisees regarding the whole process for setting up of the outlets until commissioning.
  • Developed retail network by appointing franchisees for locations in Kolkata, North 24 Pgs, South 24 Pgs, Nadia, Howrah, Hooghly & Midnapore.
  • Surveyed areas with high fuelling potential & consequent appointment of franchisees to serve those locations.
  • Looked after the sales & inventory requirements for the COCO (Company Owned Company Operated) outlets commissioned across South Bengal.
  • Successful in evolving the best possible service package for fleet operators regarding their consumption of diesel.
  • Issued 5 Letter of Intents (LOI’s) to franchisees for setting up of retail outlets, the highest in West Bengal.
Jan 2003Jun 2003

Territory Manager-Retail Sales

Ceat Limited
  • Looked after the total sales of tyres / tubes and flaps in the North Kolkata Area.
  • Successful in increasing customer awareness on tyre maintenance by conducting regular consumer meets.
  • Handled 6 big fleet owners and their requirements on a daily basis.
Jul 2001Dec 2002

Sr. Sales Executive-Retail Sales

Apollo Tyres Limited
  • Distinction of being recognized as the Best Performing District in Quarter 1, 2002-03.
  • Awarded with a foreign trip for achievement of annual sales target for 2001-02.
  • Successful in breaking through into the 2 biggest fleet owners in Jamshedpur.


Apr 2001Oct 2002


Annamalai University
Masters degree obtained with specialization in Accountancy & Costing management.
Apr 1998Dec 2000


Institute of Management Technology
Qualified with 1st class distinction for the Post Graduate Diploma in Business Management course with dual specialization in Marketing(Major) & HR(Minor).
May 1995Sep 1998


University of Calcutta
Graduated in Commerce from Calcutta University with 58% percentile score specializing in Accountancy.


MSME financing
Unsecured Lending


Rural Marketing

Relationship Management
Business Development
Channel Management
Team Management
Strategic Planning
Retail Banking

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