ABHIJEET SINGH RATHORE
Ghaziabad
Summary
Highly motivated and seasoned Sales and Business Development professional with a proven track record of driving successful GTM strategies and spearheading sales for new products across various global fintech organizations. Possessing over 10 years of diversified experience in the Financial Services industry, I am adept at originating deals in both SME and Enterprise sectors. Myexpertise lies in building and leading businesses in a structured and sustainable manner, paving the way for long-term growth and success.
Overview
11
11
years of professional experience
Work History
Senior Manager
Pine Labs Pvt. Ltd
03.2019 - Current
- Owned sales numbers delivery, while simultaneously engaging with 10+ Lending partners and strategically refining GTM strategy, product building, pilots and VOC collection for multiple lending products like Unsecured Business Loans and Supply Chain Finance.
- Established and led a30-member sales team, overachieving targets and highest contributor to total disbursal volume done by department for 3 consecutive years. Developed sales SOPs, training modules, and procured necessary infrastructure
- Collaborated with Business, Product, and Tech teams to optimize sales funnel, product journey and enhance customer experience, while setting annual and monthly sales projections
- Recognized with promotion to Senior Manager in 2022 for consistently high sales contribution.
- Successfully achieved average 180% quarter-on-quarter (Q-on-Q) growth and scaled monthly disbursal by 5.5x towards year end, reaching a total disbursal of 74.5 Cr in FY22-23.
- Subsequently, disbursed 200 Cr in FY23-24, establishing myself as the top contributor among all sales channels.
Manager
Pine Labs Pvt. Ltd
- Led Retail and Merchant Engagement channels' sales teams to achieve targets, self-sourcing for MCA and Supply Chain Finance products
- Collaborated with Lending partners to ensure smooth operations and fast disbursal, enhancing customer satisfaction
- Coached and mentored junior team members, regularly assessing knowledge and skills gaps
- Monitored daily MIS analysis of leads, disbursal ratio, portfolio management, and minimized delinquency
- Individually contributed 13% to total disbursal volume PAN India and 54% to north business in FY19-20
- Recognized with outstanding rating and employee of the quarter award for Q2 & Q4 FY19-20.
Sales Manager
Clix Capital Services Pvt. Ltd
08.2018 - 02.2019
- Sourcing Loans Against Electronic Payments (Essentially LACR/MCA) through DSA and Direct Sourcing
- Empaneling DSA, training them for our product and growing the relationship
- Continuously monitoring portfolio to keep a check on delinquency.
Cluster Business Manager
Axis Bank Ltd
06.2017 - 07.2018
- Spearheaded merchant acquisition across 30 branches in 22 Axis Bank locations, including Jodhpur, Jaisalmer, Barmer, and others, leading a 12-member team
- Ensured seamless acceptance and resolved customer issues, meeting revenue targets and selling relevant lending products to a portfolio of 2000+ merchants
- Managed to achieve 85% activation of new book merchants, surpassing the average activation levels of below 40% across the state/region
- Additionally, overachieved rental income targets and cross-sell lending targets.
Sales Manager
Axio (formerly Capital Float)
06.2015 - 04.2017
- Acquired new customers for seller finance (Ecom), MCA, and SCF lending products, addressing SMEs' working capital gaps
- Maintained a 0% risk profile
- Fostered strong client relationships, drove portfolio growth, and supported business development for new products like SCF and IF, while partnering closely with Ecommerce platforms
- Achieved outstanding results, surpassing targets by 140%, disbursing INR 14.5Cr across various products, and maintaining a low NPA rate of 0.2% in the portfolio.
Business Development Executive
Standard Chartered Bank
07.2014 - 06.2015
- Managing Employee Banking relationship with a portfolio of reputed Global corporates
- Ensuring maximum product penetration in corporate to maximize revenue
- One point contact for employee banking and ensuring end-to-end solution delivery on queries raised by employees or corporate.
Territory Sales Executive
American Express Banking Corp.
03.2012 - 06.2014
- Managed 560 merchant accounts in North and East India, valued at $20 MM, achieving 100% acceptance rate, and driving growth through collaboration
- Orchestrated marketing initiatives, surpassing 2013 sales targets, and sourcing merchants for premium programs, enhancing customer engagement and business expansion through strategic partnerships.
Education
PGDBM - Business Administration and Management
Narsee Monjee Institute of Management Studies
BHM - Hospitality Administration and Management
Institute Of Hotel Management
Skills
- Sales strategy and planning
- SME Lending (Unsecured)
- Supply Chain Finance
- Strategic Partnership Management
- Retail & Enterprise Sales
- Digital Lending
- Business performance management
- Stakeholder Management
- Workforce training and development
- Systems implementation
- Team Management
- Cross-function Management
Accomplishments
- Awarded employee of the quarter at Pine Labs in Q2 & Q4 in FY 2019-2020.
- Won Spotlight award for contribution in Q3 FY20-21.
- Promoted to Senior Manager in Pine Labs for performance in FY21-22.
- Awarded employee of the Quarter at Pine Labs in Q2 FY23-24.
Timeline
Senior Manager
Pine Labs Pvt. Ltd
03.2019 - Current
Sales Manager
Clix Capital Services Pvt. Ltd
08.2018 - 02.2019
Cluster Business Manager
Axis Bank Ltd
06.2017 - 07.2018
Sales Manager
Axio (formerly Capital Float)
06.2015 - 04.2017
Business Development Executive
Standard Chartered Bank
07.2014 - 06.2015
Territory Sales Executive
American Express Banking Corp.
03.2012 - 06.2014
Manager
Pine Labs Pvt. Ltd
PGDBM - Business Administration and Management
Narsee Monjee Institute of Management Studies
BHM - Hospitality Administration and Management
Institute Of Hotel Management
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