BALAWANT SINGH CHUNDAWAT

Key Duties

Oversaw collection operations for Personal Loan (PL) portfolio, focusing on Bucket 2 (BKT 2) collections throughout Gujarat region.

Supervise 3 Area Managers, 15 Collection Managers, and over 40 DCAs and Agencies.

Spearheading regional collection initiatives, devising and executing strategies to enhance recovery rates for designated portfolio segment.

Oversaw all collection operations, ensuring adherence to regulatory standards while optimizing efficiency in recovery processes.

Guiding and mentoring collections team to achieve recovery goals, focusing on skill enhancement and performance improvement.

Team Collaboration

Lead and supervise floor team to achieve set monthly and quarterly goals.

Guide continuous coaching, training, and performance evaluations.

Enforce compliance with bank policies and regulatory standards.

Debt Collection Approach

Executed deployment of collection strategies across portfolios.

Monitor and assess daily/weekly reports, executing necessary adjustments as required.

Enhance recovery efficiency through analytics-driven decision-making

Performance Evaluation.

Compile MIS reports and design dashboards.

Determine KPIs while evaluating team productivity and effectiveness.

Identify performance deficiencies and implement enhancement strategies.

Customer Engagement

Resolve customer escalations, disputes, and urgent cases

Enhance customer satisfaction while driving attainment of business goals.

Compliance

Enforce rigorous adherence to RBI regulations, internal procedures, and audit standards.

Streamline comprehensive documentation processes for audits and regulatory reviews.

Operational Efficiency Enhancement

Transform call center operations to enhance workflow efficiency

Collaborate with IT teams to ensure optimal performance of system tools, dialers, and CRM modules.

Evaluation

Generate and present performance reports to management.

Examine trends, issues, and opportunities for enhancement.

Performance Assessment

• Managed operations for 4 VI stores and 2 channel partners in Surat City.
• Spearheaded a team of 2 Channel Partners, 18 Field Sales Executives, and 1 Team Leader to achieve sales targets. Managed 10 Sales Promoters and 700 retail counters, enhancing overall team performance. Guided and mentored team members to accomplish objectives and improve individual skills. Defined roles and responsibilities, ensuring clarity in team expectations and accountability. Set and tracked goals for key team members, fostering a culture of achievement. Enhanced team performance through targeted counseling and skills development initiatives. Motivated team players to drive results and exceed sales objectives. Collaborated with 17 DSA Partners to strengthen partnerships and expand market reach.
• Managed channel revenue for three distributors across five customer relationships, generating significant income. Oversaw revenue operations in 220 tower locations within Surat City and surrounding areas. Strategized and executed initiatives to enhance distributor performance and increase overall sales. Analyzed market trends to maximize revenue opportunities in urban and rural sectors.
• Reviewed customer purchasing preferences and competitive selling locations within marketing plan distribution section. Analyzed impact of specific selling locations on brand perception and sales outcomes. Evaluated distribution channel options, assessing their influence on sales volumes, costs, and profits.

• Managed 5 team leaders overseeing 125 promoters and 35 channel partners in Surat Zone. Coordinated operations across Surat City, Bardoli, Vapi, Navsari, and Daman. Supervised team performance to achieve regional sales targets and enhance market presence. Facilitated training sessions for team leaders to improve promotional effectiveness. Streamlined communication between team leaders and channel partners to ensure alignment. Monitored market trends in Surat Zone to identify growth opportunities. Developed strategies to optimize promoter engagement across designated locations.
• Spearheaded a team of 35 channel partners, five team leaders, and 125 rural sales promoters. Motivated team members to achieve performance targets through guidance and mentorship. Defined roles and responsibilities for optimal team functionality. Set and tracked goals for continuous improvement in team performance. Enhanced skills of team members through targeted counseling initiatives.

• Managed operations for four VI stores and four channel partners in Surat Zone.
• Executed channel planning to optimize product distribution and market business strategies. Developed distribution channels to ensure timely delivery of products to target customers. Analyzed market conditions to determine ideal pricing and placement for products. Coordinated efforts to align product availability with customer demand and purchasing behavior.
• Developed and executed planning strategies tailored to retail business needs. Conducted market analysis to assess competition and identify opportunities. Implemented strategic initiatives to enhance retail operations and profitability. Ensured alignment of planning processes with overall business objectives.
• Spearheaded team of 4 Channel Partners, 20 Field Sales Executives, and 2 Team Leaders to achieve sales targets. Guided and mentored team members, enhancing skills and improving overall performance. Defined roles and responsibilities for team members to foster accountability. Set and tracked goals to ensure alignment with organizational objectives.
• Oversee channel revenue for 3 distributors with 4 CR, generating revenue across 226 towers in Surat City and surrounding regions.
• Reviewed target customer purchasing preferences to identify optimal distribution locations. Analyzed competitor sales strategies to determine market positioning. Assessed brand impact of selling in specific locations to enhance visibility. Evaluated distribution channel options to optimize sales volumes and profitability.

• Led team of 15 relationship managers and 80 retail channel partners, achieving branch goals.
• Developed and led strategic sourcing plans to achieve key departmental objectives. Managed team performance across disciplines and processes to enhance operational efficiency. Ensured alignment of all branch business targets with overall strategic goals.
• Ensured timely processing and disbursement of loans according to established turnaround times. Conducted fraud checks through reference verification and address confirmation on internal and external platforms. Cleared loan proposals in compliance with bank regulations and policies.
• : 1. Verified loan proposals and documents for compliance with legal standards. 2. Ensured timely completion of loan proposal processes according to established norms. 3. Reviewed related documents for accuracy before proceeding with agreements. 4. Completed loan proposal processes within designated turnaround times.
• Manage Branch ROI: Sustain 15% ROI in Branch as performance measure to evaluate investment efficiency or profitability across various investments.
• Resolved customer queries and complaints promptly, enhancing overall customer goodwill. Managed implementation of best practices across functions to meet business requirements. Delivered quality service aligned with company vision, mission, and strategy.
• Spearheaded a team of 15 officials, driving motivation to achieve organizational goals. Guided and mentored team members to ensure successful accomplishment of objectives. Enhanced team performance through targeted counseling and skills development initiatives. Defined roles and responsibilities while establishing and tracking measurable goals. Mentored key team members to foster professional growth and accountability.

• Managed operations across four branches: Beawar, Bijaynagar, Gulabpura, and Jaitran. Led a team of 10 relationship officers and five sales promoters. Oversaw 100 Mitra channels and 10 DSA for effective sales and distribution. Handled daily credit operations, including maintenance of credit files and collections. Executed cash collection and payment processes with precision. Conducted data entry related to loan management efficiently. Collaborated closely with branch head and sales team to meet business targets. Achieved corporate goals through strategic oversight of branch activities.
• Prepared strategic sourcing plan to achieve key objectives and departmental targets. Led sourcing development processes, ensuring alignment with business strategies. Managed diverse team disciplines to enhance efficiency and productivity. Guided branch operations to consistently meet business targets.
• Processed loan applications and ensured timely disbursement within established turnaround times. Conducted fraud checks, including reference verification and shipping address confirmation. Cleared proposals according to bank regulations and compliance standards.
• Verified loan proposals and related documents to ensure readiness for legal processing. Ensured timely completion of loan proposal processes in accordance with established norms. Reviewed documentation to confirm compliance with regulatory requirements before approval. Coordinated with stakeholders to facilitate necessary steps for finalizing agreements.
• Oversee Branch ROI, sustaining 18% performance metric to assess investment efficiency
• Resolved customer queries and complaints promptly, enhancing overall customer satisfaction. Managed implementation of best practices across functions to meet business requirements. Delivered quality service aligned with company vision, mission, and strategy. Generated customer goodwill through efficient handling of issues and proactive communication.
• Spearheaded a team of 15 officials, driving achievement of organizational goals. Defined roles and responsibilities to enhance clarity and accountability within the team. Guided and mentored team members to support objective attainment and personal growth. Implemented skills enhancement initiatives to improve overall team performance. Set and tracked performance goals, ensuring alignment with strategic objectives. Motivated team players through effective communication and recognition of achievements.

• Key Deliverables: Managing three channel partners and territory in Bhilwara Area for sales and distribution
• Executed distribution channel planning to optimize product delivery to target markets. Developed business strategies for efficient placement of products in various channels. Analyzed market dynamics to align product offerings with customer needs and pricing. Coordinated logistics to ensure timely availability of products across multiple locations.
• Developed and executed strategic retail plans to enhance business performance. Analyzed market competition to inform effective planning strategies. Implemented innovative approaches tailored to specific market trends. Monitored retail operations to ensure alignment with overall business objectives.
• Spearheaded team of 3 Channel and 20 DSE, managing 450 retail outlets to achieve targets. Defined roles and responsibilities, tracking progress on goals set for team members. Motivated team players through effective guidance and mentorship, enhancing overall performance. Provided counseling and skills enhancement strategies to improve individual contributions.
• Oversee channel revenue for 3 distributors generating 75 lac in revenue across 110 tower locations in Bhilwara upcountry area.
• Reviewed target customer purchasing preferences and competitor sales locations to inform distribution strategy. Evaluated impact of specific selling locations on brand perception and performance. Analyzed distribution channel options, assessing effects on sales volumes, costs, and profit margins.

• Manage Territory (Bijaynagar, Gulabpura, Hurda, Asind) Location Managing Channel Management in sales & distribution 1st role - field Sales executive Promoted - RTM AUG’17
• Key Deliverables:
• Channel Planning: Planning for Distribution Channels and Market Business. Distribution channels and Business planning, sometimes called place in marketing, is concerned with getting the right products to the right customers, at the right price, at the right place, and at the right time and Maintain Manage Channel ROI.
• Team Management: Spearheading a team of 15 Channel Partner and 15 DSE (Distributor Sales Executive) 1 Aircel Store and 1 Company Executive & 250 Retail Outlet Manage me and motivating team players to achieve goals; guiding & mentoring team members in accomplishment of objectives; improving the team performance through counseling, skills enhancement. Defining roles and responsibilities, setting and tracking goals & mentoring key team members.
• Sales & Distribution: The distribution section of a marketing plan includes a review of where your target customers like to buy, where your competition is selling, the effect selling in a particular place has on your brand, and your distribution channel options and the effects these channels will have on your sales volumes, costs and profit.