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ASIF SHAIKH
Professional
Kalyan,Maharashtra
Summary
Dedicated and results-driven professional with 15+ years of experience in the financial services industry. Adept key skills, e.g., financial analysis, investment strategies, risk management], with a proven track record of increasing portfolio returns, streamlining compliance processes. Seeking to contribute my expertise to a dynamic financial services organization. Continues Learning and Creativity, Exposure to New Ideas, Stimulates Personal and Professional Growth.
I am a successful financial services professional with 15+ years of experience ranging from building grounds up company, technology & analytics platforms, payments, retail loans, Digital lending, Retail banking. I have gained rich experience at Sales & Collection Portfolio management. I have been highly effective in managing challenges like new market openings & business development. I am a quick learner and emphatic listener and very fast to spot new opportunities and develop them at scale. Specialties Team Management for Start-up, Digital lending, analytics, new business launch, Product & Portfolio management of retail & corporate banking & NBFC.
Overview
22
22
years of professional experience
1
1
Certification
3
3
years of post-secondary education
Work History
Senior Sales Manager - Business Loans
Clix Capital (Formerly GE Capital)
Mumbai
2018.08 - Current
- Supervised & Managing the Sales
- Trained and mentored new employees on Sales methods, documentation requirements and performance strategies
- Currently driving through Sales matrix structure, policy framework & handling Cross product of Life & General Insurance across the Mumbai region DSA Chanel
- Exceeding targets by building, directing, and motivating high-performing DSA sales team
- Built lasting relationships with clients through outstanding customer service interactions
- Establishing strong relationships with major DSA's and key decision-makers to increase sales in designated location's DSA's
- Helping team to stay productive and focused on higher-value tasks to improve sales efficiency by using my Sales experience
- Orchestrated diligently to resolve unique and recurring complaints, promoting loyalty, and enhancing operations.
Area Collection Manager - Collection - Consumer (TW & PL) & SME Loans
Clix Capital (Formerly GE Capital)
Mumbai
2019.09 - 2023.05
- Supervised staff of collectors, monitoring phone calls and letters
- Trained and mentored new employees on collection methods, documentation requirements and performance strategies
- Was driving through collection matrix structure, policy framework & handling Cross product SME, Consumer (TW & PL), Potential NPA and NPA pool across the region (Mumbai, Pune & Gujarat)
- Oversaw for entire field allocation across Mumbai, Pune & Gujarat location
- Handling team of 35+ work forces
- Conduct periodic Agency Audit related to collection activity
- Completed training in credit management and civil court practices to maintain up-to-date legal knowledge involving collection practices
- Facilitated successful internal and external audits through sound and thorough documentation
- Successfully implemented new technologies and process automations to encourage continuous improvement
- Visiting High Value Accounts personally for foreclosure/settlement much before court orders
- Orchestrated with legal resources and recovery teams to manage default issues
- On-boarded new Collection Agencies for the region to boost collection in covid-19 Pandemic
- Monitored and analyzed collection performance to identify areas of improvement and make necessary adjustments
- Used industry expertise, customer service skills and analytical nature to resolve customer concerns and promote loyalty
- Set aggressive targets for employees to drive company success and strengthen motivation
- Operational and compliance management of this segment are key deliverables of my role.
Area Manager - Sales & Business Development (B2C) - Two Wheeler Loans
Clix Capital (Formerly GE Capital)
Mumbai
2018.08 - 2019.09
- Founding member of two-wheeler finance in the Mumbai region, company focused on building a well-diversified NBFC driven by innovative technology and analytics, which delivers simple, fast, innovative and customized solutions to customers when they need
- Successfully created & launched from the scratch a strong and profitable NBFC Two Wheeler business Management over past 1 year in the space of digital consumer lending business
- Was Oversaw for driving Two Wheeler Vehicle loans business & 'X' to '90' Bucket EMI's Collection for the company in entire Mumbai region
- Key responsibilities included, team management, talent management, channel management, credit controls, product development, dealer relationships, developing new fee base income business from insurance Chanel partner, reducing cost of business, enhancing productivity by 75%, leveraging interdependencies writhing team and above all meeting sales targets
- Was able to double the business in 6 months
- Also maintaining customer & dealer satisfaction based on ROI & Seasonal schemes and after sales service for both of them
- Collection, Operational and Compliance management of this segment are key deliverables of my role.
Deputy Manager - Sales & Business Development (B2C) - Two Wheeler Loans
HDFC BANK LTD
Nasik & Spoke Location
2017.04 - 2018.05
- Two Wheeler business was grow over past 1 year in the space of digital consumer lending business
- Was Oversaw for driving Two Wheeler Normal & Super Bike Vehicle loans business
- Leading the implementation of the Retail Business strategy in the assigned region
- Optimal utilization of regional resources (time, money, manpower) to achieve region target
- Also focus on vision i.e Policy Implementation and Budget Management
- Manage budget and allocate funds appropriately for the assigned region
- Ensure the region performance within the assigned region operate within the corporate policy and process guidelines to deliver on targets
- Support in Business Plan, Policy and Budget Formulation by developing forecasts, financial objectives and targets for the assigned region
- Channel Growth, Profitability, Customer Service, Credit Approval & Compliance
- Assess regional market conditions and identify opportunities to increase sales & collection
- Locate areas of improvement and propose actions to increase Profitability for the assigned region
- Oversee the process of networking of Team Managers with customers, dealers and partners to improve the branch presence and reputation of HDFC
- Collect information on competitors and industry and propose action to improve market movement and penetration
- Drive Team Managers to achieve the sales and Profitability targets
- Drive regional sales & collection teams to achieve sales & collections, sourcing quality and NPA targets
- Drive implementation of process improvement initiatives related to sales, collection and operations activities in the region to achieve targets and enhance efficiency
- Address escalated dealer satisfaction and key customer satisfaction issues promptly
- Leadership and talent Development, Strategy Implementation
- Provide inputs and data for man power planning, recruitment, training and development of the strategy
- Develop capabilities and manage performance of Sales, Collections and Operations team.
Deputy Manager - Sales & Business Development - Two Wheeler Loans
HDFC BANK LTD
Mumbai
2013.01 - 2017.03
- Significant Highlights: Key Accountabilities & Strategy Implementation
- Performance driven professional with 13+ years of experience in the areas of Branch Operations, Sales, Business Development, Channel Management, Client Relationship Management and Team Management
- Was serving HDFC Bank Ltd as Deputy Sales & Collection Manager, possess experience of selling & collection of Loans on Two Wheeler Finance on Normal & Super Bike Loans with TPP Products
- Experienced in charting out sales & collection of 'X' to '90' Bucket EMI's Collection strategies and contributing towards enhancing business volumes & portfolio management, growth, achieving revenue, profitability norms and building an extensive client base
- A proactive planner with cross-functional experience in channel management for product market penetration as well as
- Key account management with skills in competitor and market analysis
- Competent in implementing effective solutions to the customer needs, with an Aim to improve customer contentment and consequently customer loyalty, repeat and referral business
- A keen planner & true believer in teamwork with expertise in establishing & managing Sales, Collection & Operations with key focus on ensuring optimal utilization of resources
- Exceptional communicator with strong negotiation, problem resolution, and client need assessment aptitude.
Territory Sales Manager (B2C) - Retail Liabilities Sales
IDBI INTECH. LTD
Mumbai
2010.02 - 2012.12
- Joined IDBI Intech for IDBI BANK Project as Territory Sales Manager handling West Zone potential HNW Branch's like Bandra, Khar, Versova & Andheri - W (Lokandwala) for CASA
- Handle channel sales, Distribution network in West Zone
- Provides leadership to the sales team
- Recruitment, training, hand holding and guiding of the SM/Sales Executives attainment of budget and incentives
- Develop strategy to acquire SA/ CA for various segments and deliver quality accounts that facilitates building healthy retail liability book
- Ensure that all team members are on the expected level of productivity
- Cross selling of asset and 3rd Party products & FD business
- Review existing products and Remain updated market development and trend and apprise vertical head
- Stay updated on the recent changes in RBI policy guidelines and educate sales team
- Assist vertical head in product design
- Implementing regulatory requirements as per product norms & Driving Fee business (FD & Insurance revenue)
- Motivates and encourages sales team to ensure quotas are met
- Reviews and analyzes sales and operational records and reports; uses data to project sales, determine profitability, targets, and identify potential new markets
- Identifies and analyzes customer preferences to properly direct sales efforts
- Assigns territories and sets quotas for sales teams
- Prepare and monitor Sales Reports and explain it to the management regularly
- Consults with potential HNI's customers to understand their needs; identifies and suggests equipment, products, or services that will meet those needs
- Resolves customer complaints, and other issues that may interfere with efficient sales & operations
- Collaborates with executive leadership to develop sales quotas and strategies
- Prepares sales budget; monitors and approves expenses
- Acts as company representative at trade association meetings
- Performs other duties as assigned.
Deputy Manager - Sales & Business Development (B2C) - Two Wheeler Loans
INDUSIND BANK. LTD
Mumbai
2009.02 - 2010.01
- Was Joined Retail Branch Banking & Liabilities product's also Oversaw to directed branch CASA sale team, Lead a team of highly motivated off roll employees, act as a catalyst in driving liability sales in form of current and saving accounts, fixed deposits, selling third party fees base income products, wealth management service's for branch, core-banking operations at branch, risk, compliance and audit
- Also Oversaw for driving various sales activity, on boarding customer strategy, Building strategy around driving productivity enhancement initiatives, rationalization
- Interacting with the HNI customers for all their Banking as well as the Investment needs
- In addition, Oversaw for the Relationship size with the Bank of the Customers.
Team Manager - Retail & B2C Liabilities - Sales & Business Development
Team Lease (IDBI BANK LTD)
Mumbai
2004.03 - 2009.01
- Joined Team Lease for IDBI BANK Project as Financial Consultant at Kalbadevi Branch for CASA after the successful performance as a Financial Consultant Promoted as Team Leader for upcoming new branches at Dombivali, Thane, Mulund & Vashi Branch for Promotional activity and awareness of Salient features about all Bank product finally Transfer & Promoted as Team Manager to handle United Western three newly merge branches for sales support with The Team 3 Leader's to acquisitions of new CASA product & increasing CASA book Size in Mass Banking Segment
- Recruitment & Development of Sales Manager's & Business Development Officer's manage them & ensure that they are achieve their Team target's & Improving their performance and earnings consistently in terms of achieve Organizational average Business target's Month on Month basis
- Managing the Promotional activity by organizing varies sales activity in festival Season
- Average 400 to 450 Account's Opened per Month with 3 to 4 Cr's Value & All TPD Products i.e
- Life Insurance, General Insurance, Mutual Fund & Online Trading accounts
- Provide operational support to Sales Manager's & Business Development Officer is in terms of Business submission
- Resolving pending issues with the co-ordination of Branch & Operation Manager
- Interacting with the HNI customers for all their Banking as well as the Investment needs & Oversaw for the relationship size with the Bank of the Customers for New Business Acquisition & Deepening Values
- Oversaw for keeping Sales Records MIS, & Maintain Sales trackers reports to be submitted to various stakeholders daily & over all grooming of Sales Team
- Organize the get-together Party & Outdoor Celebration with my Cluster Sales Team for the Month End Target's Achievement.
Senior Sales Executive - Retail B2C Credit Card - Sales & Business Development
HBL Global Pvt Ltd (HDFC BANK LTD)
Mumbai
2002.06 - 2004.02
- Signing New Credit Card Applications & Generating Leads from Existing Customers.
Skills
- Verbal and written communication skills
- Sales and customer service skills
- Negotiation skills
- Supervisory and leadership skills
- Organizational skills
- Attention to detail
- Strategic and analytical thinking
- Problem-solving and decision-making skills
- People management skills
- Networking skills
- Regional Sales Management skills
- Delinquency debt and Regional Collection Management skills
- Service Upselling
- Competitor Analysis
- Profitability Optimization
- Sales Presentations
- Sales Coaching
- Territory Management
- Revenue Forecasting
- Staff Management
- Client Relationship Management
- Performance Management
- Vendor Management
- Market Research
- Resolution-oriented
- Database Management
- Goal Setting
- Product Knowledge
- Market research, forecasting, and analysis
Personal Information
- Date of Birth: 09/19/79
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Languages
English, Hindi, Marathi & Urdu
Certification
- Lean-Six-Sigma- AI Yellow-Belt - Certification.
- Entrepreneurs Energy Excellence (E3) - Certification.
Accomplishments
- Certificate of Recognition - Cross selling Insurance.
- The Customer Service Ninja.
Education
Bachelor of Arts - Economics
Smt. Chandibai Himathmal Mansukhani College
Ulhasnagar, Maharashtra 421003 06.1999 - 03.2002
Software
Interests
Travelling, Social working, Connecting with new people
Timeline
Area Collection Manager - Collection - Consumer (TW & PL) & SME Loans
Clix Capital (Formerly GE Capital)
2019.09 - 2023.05
Senior Sales Manager - Business Loans
Clix Capital (Formerly GE Capital)
2018.08 - Current
Area Manager - Sales & Business Development (B2C) - Two Wheeler Loans
Clix Capital (Formerly GE Capital)
2018.08 - 2019.09
Deputy Manager - Sales & Business Development (B2C) - Two Wheeler Loans
HDFC BANK LTD
2017.04 - 2018.05
Deputy Manager - Sales & Business Development - Two Wheeler Loans
HDFC BANK LTD
2013.01 - 2017.03
Territory Sales Manager (B2C) - Retail Liabilities Sales
IDBI INTECH. LTD
2010.02 - 2012.12
Deputy Manager - Sales & Business Development (B2C) - Two Wheeler Loans
INDUSIND BANK. LTD
2009.02 - 2010.01
Team Manager - Retail & B2C Liabilities - Sales & Business Development
Team Lease (IDBI BANK LTD)
2004.03 - 2009.01
Senior Sales Executive - Retail B2C Credit Card - Sales & Business Development
HBL Global Pvt Ltd (HDFC BANK LTD)
2002.06 - 2004.02
Bachelor of Arts - Economics
Smt. Chandibai Himathmal Mansukhani College
06.1999 - 03.2002
- Lean-Six-Sigma- AI Yellow-Belt - Certification.
- Entrepreneurs Energy Excellence (E3) - Certification.
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