Avinash Kumar Bhanu

• Launched PhonePe successfully Ranchi(Jharkhand) Exploring Rural Market, Khuti, Bundu, Patratu, Khalari, Simdega locations.

Merchant Acquisition:

• Set up and lead a team of KAEs to acquire merchants for the PhonePe platform.Onboard and manage key accounts.Ensure effective deployments, training, and servicing of acquired merchants.
• Market Monitoring:Monitor competition activity in the assigned zone.Formulate and implement appropriate response strategies.
• Team Management:Build and manage a team of KAEs.Onboard and provide on-the-job training to KAEs to improve performance.
  Drive team performance to achieve merchant acquisition targets.
• Business Growth:Drive market share growth and distribution of EDC devices within the assigned zone.Identify and pursue new business opportunities.Implement monetization strategies for acquired merchants.
• Stakeholder Management:Manage key stakeholder relationships within and outside the organization.Collaborate with internal stakeholders like Marketing and Customer Experience.
  

• Managed a successful sales team, consistently achieving and exceeding monthly sales targets.
• Expanded market share through effective prospecting, lead generation, and negotiation skills.
• Established strong relationships with key clients, resulting in increased customer retention and satisfaction.
• Established strong relationships with major accounts and key decision-makers to increase sales in designated territory.

• Perform a role of Quality analyst in KYC process & Control as per the RBI guidelines.
• Enrol merchants and Small Vendors for Payment to Payments Business after that makes sure genuine transactions.

• Ensure 100% collection through effective Strategic & Planning.
• Monitoring Customers' biometric & online collections.
• Report risk management issues to senior management and provide recommendations for improving the organisation’s operations, in terms of both efficient and effective performance.
• Data analysis to ensure a risk based coverage of all key/ critical areas and preparation of risk based MIS and reports.
• Carry out follow up for implementation of findings and Action Taken Reports.
• Conduct special reviews and investigations including fraud reviews.
• Field visits, customer verification & grievance updation.
• Engage in continuous education and staff development by conducting Induction and Refresher training.
• Managing streamline collections of Jharkhand of 60 collection executives.

• Handling Group Loan(GL) & IL (Individual Loan) business at assigned geographical area Ranchi handling 16 field staff.
• Maintaining coordination with the Credit, Product, Admin., Operations, HR, Finance & SQ departments for smooth running of Group Loan business at the supervising Ranchi branch.
• Ensuring that the LO (Loan Officer) enters the summary sheet for all the loans in the system as well as sending the same to the Supervisors and Credit Team.
• Managing the weekly tracker for Business, OD Collections, LUC and tagging details.
• Carrying out random LUC (Loan Utilisation Check) for assuring the quality of 10 cases across the products & branches.
• Responsible for repayment and overdue collections and drafting & submitting the collection tracker on collection dates to Regional Business Manager.
• Ensuring on-time follow-up with: OD clients more than 60 days with the help of Vigilance Team.
• Legal cases with the Advocate.
• Making recommendations to write off for critical OD cases.
• Paying random customer visits & checking original documents.
• Checking the quality of loan approvals through CRS as per policy.
• Taking up the genuine critical OD cases for writing off along with Vigilance & Credit Team.
• Keeping the documentation errors less than 5%.
• Handled products lines GL, IBL Individual Business Loan, STBL (Short Term Business Loan) & Livestock Loan.
• Provided assistance to the Distribution Manager & Area Manager in resolving the issues of branches, field staff & centres based on MIS as per the feedback received from the field.
• Carried out Audit & Fraud Control to help investigation & resolve the problems.
• Managed Group Loans- Business Loan, Family Loan, Top Up Loan & Festival Loans.

working as Medical Representative in Azzuri Pharmaceutical Pvt Ltd.