ADITYA PRATAP SINGH

Managing the entire business loan cycle at Lendingkart Finance Limited requires an end-to-end holistic approach that integrates sales, operations, and risk management efficiently. My role as Cluster Manager – DSA Channel Sales demanded hands-on involvement from lead generation through to loan disbursement in regions like Madhya Pradesh, Chhattisgarh, and Maharashtra.

• Combined strategic partner management, operational excellence, and market responsiveness to consistently achieve monthly, quarterly, and yearly sales targets while maintaining portfolio quality and profitability.
• Developed lead generation strategy by creating robust network of Direct Selling Agents (DSAs) and channel partners to tap into diverse SME business segments, ensuring steady inflow of potential customers. Regular training and close coordination with DSAs were critical to maintaining high lead quality and conversion rates.
• Once leads were generated, I put great emphasis on streamlining partner onboarding and verification processes to reduce turnaround time. This involved integrating technology touchpoints and automating documentation wherever possible, while simultaneously ensuring strict compliance with KYC and AML guidelines.
• During the documentation and verification phases, rigorous quality checks were conducted to minimize errors and reduce rejections, thereby safeguarding portfolio quality. I worked closely with underwriters and credit teams to establish clear communication channels that allowed swift resolution of any discrepancies or concerns.
• Finally, after approvals, disbursement was coordinated in alignment with compliance and operational protocols, ensuring funds were transferred seamlessly to customers within stipulated timelines. Given the dynamic nature of SME lending, continuous monitoring of loan performance metrics such as delinquency and rejection rates was crucial to taking proactive corrective actions.

• Established and managed strategic partnerships with CSC e-Governance, India Post Payment Bank, FIA, Manipal, and other institutions, enhancing access to asset-based financial services in underserved regions.
• Expanded market penetration through multi-product asset sales, focusing on Loan Against Property (LAP), MSME Loans, Home Loans, CASA, and insurance, resulting in increased customer base.
• Delivered structured training programs for Banking Correspondents (BCS) and BFS on lead generation, documentation, and fulfillment for secured and unsecured loan and liabilities products, improving team capability.
• Ensured strict adherence to KYC, AML, and property documentation standards in line with regulatory and internal compliance requirements.

Spearheaded expansion of underbanked financial markets, growing from 39 branches to over 6000 merchant points.

Established regional offices and implemented comprehensive branch expansion strategies.

• Managed multi-tiered teams including cluster heads, branch heads, and sales officers for operational efficiency.
• Executed regional rollout of CASA micro-ATMs, AEPS, and corporate cash management services.
• Boosted revenue through effective cross-selling of insurance products and enhancing partner performance.
• Drove rapid corporate growth by developing a high-performing phygital network.
• Optimized market presence through strategic team management and operational improvements.
• Cultivated strong relationships with stakeholders to support ongoing portfolio growth.

• Lending and Remittances: Financial inclusion by scaling core digital banking and driving credit expansion in unbanked regions. Served as business correspondent, delivering smart card-based banking, electronic benefit transfers, and microloans to Self-Help Groups (SHGs) and Joint Liability Groups (JLGs), enhancing financial inclusion. Strengthened institutional credit partnerships and managed domestic remittance networks, improving service accessibility for unbanked regions. Directed product management for e-commerce partnership with Snapdeal, aligning product offerings with market trends.

• Managed end-to-end loan lifecycle, ensuring accurate documentation, thorough verification, efficient credit processing, and timely disbursement.
• Coordinated with bank finance and NBFC partners to expedite approvals and facilitate smooth disbursal of high-value retail finance products.