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
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
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