Abhishek Kumar
Regional Head-Two Wheeler Loans-Sales
Patna,BR
Summary
Results-driven sales leader with 12+ years of experience in Banking and Financial Services. Currently overseeing a ₹415 Cr annual business in Two-Wheeler Loans as Regional Head (Bihar) at L&T Financial Services. Skilled in managing large sales teams (180+) and partner networks (410+), driving consistent volume growth, reducing delinquencies, and optimizing profitability. Demonstrated success in scaling operations, identifying growth markets, and leading cross-functional teams. Eager to secure a leadership role (Zonal/National Sales Head, VP-Sales) with full P&L responsibility and a focus on strategic business transformation.
Overview
12
12
years of professional experience
2013
2013
years of post-secondary education
10
10
Certifications
Work History
Regional Head – Two-Wheeler Loans
L&T Financial Services Ltd
02.2024 - Current
- Leading a ₹415 Cr annual business portfolio with monthly volumes exceeding 3000 units.
- Managing a high-performance network of 410+ channel partners and a team of 9 ASMs & 180 Sales Executives.
- Developed strategic GTM plans, achieving regional dominance and deep penetration in rural markets.
- Strengthened credit hygiene by reducing gross bounce and delinquency rates by 18%.
- Launched cross-sell campaigns across insurance and add-on products, contributing to 28% revenue uplift.
- Conducted weekly market reviews and introduced real-time analytics to enhance sales productivity.
State Head – Consumer Durable Loans
IDFC FIRST Bank Ltd
10.2018 - 02.2024
- Oversaw Consumer Durable Loan operations across major cities: Lucknow, Kanpur, Patna, Muzaffarpur, Durgapur, Asansol.
- Directed a multi-tiered team of Sales Managers, TMs, TLs, and SOs across 3 states.
- Instrumental in launching and scaling business in emerging tier-2/3 locations, resulting in a 42% portfolio growth.
- Controlled delinquencies via proactive partner engagement and improved early bucket collections.
- Recognized as PAN India Rank #1 Territory Manager and received multiple performance awards.
Relationship Manager – Auto Loans
ICICI Bank Ltd
08.2013 - 10.2018
- Led end-to-end sales and credit activities for Auto Loans, with a focus on retail sourcing and channel excellence.
- Built strong relationships with DSA and dealer networks, ensuring smooth partner onboarding and activation.
- Executed daily reporting on sales metrics, retention performance, and market intelligence.
- Conducted regular dealer training, customer engagement campaigns, and scheme rollouts.
- Exceeded cross-sell targets in CASA, credit cards, motor insurance, and group loan products.
Education
Post Graduate Diploma in Banking -
Manipal University
B.Tech - Information Technology
GGSIPU
12th - undefined
BIEC
10th - undefined
BSEB
Skills
Relationship building
Business planning
MS office
Team management
Operations management
Innovation and creativity
Human resources management
Client relationships
Business development
Meetings and presentations
Customer satisfaction
Strategic marketing
Staff training and development
Performance reporting
Partnership development
Public speaking
Talent acquisition
Competitor analysis
Sales planning
Team collaboration
Certification
Managed ₹415 Cr Annual Business – L&T Financial Services (2024–25)
Personal Information
- Father's Name: Late Barun Prasad
- Date of Birth: 11/25/89
- Nationality: Indian
- Marital Status: Married
Disclaimer
I hereby declare that the information provided is true and correct to the best of my knowledge.
Abhishek Kumar
Timeline
Regional Head – Two-Wheeler Loans
L&T Financial Services Ltd
02.2024 - Current
State Head – Consumer Durable Loans
IDFC FIRST Bank Ltd
10.2018 - 02.2024
Relationship Manager – Auto Loans
ICICI Bank Ltd
08.2013 - 10.2018
B.Tech - Information Technology
GGSIPU
12th - undefined
BIEC
10th - undefined
BSEB
Post Graduate Diploma in Banking -
Manipal University