BALWINDER PRITAM SANDHU
Sr. Business Manager Used And New Wheels Finance
Navi Mumbai,MH
Summary
Service- Oriented Used car Sales Cluster head with 14 years of experience in Used and new Car Finance , Trade Advance . Highly motivated and don’t stop until achieved budgeted target in achieved in a give TAT. Skills and abilities outlined in resume are some examples experience and success to date. As Influential leader who demonstrates a certain passion that rallies, motivates, inspires, and influences people in Team and around me. Professional Strengths Expertise in Used Car Channel development , Developing new Schemes / Team management/ manage multi level disciplinary issues and helping Team Members for achieving Goal’s. Meeting with Manufacturers and Channel Promoters time to time to understand market Sentiments.
Overview
14
14
years of professional experience
1
1
year of post-secondary education
1
1
Language
Work History
Sr. Business Manager Wheels ( Cluster Manager)
Au Small Finance Bank Ltd
Mumbai, Maharashtra
01.2018 - Current
- Used and New Car Finance.
- Team Strength was 9 which I bought to 36.
- Business Volume Increased from 2.50 Cr to 10.00 Cr (New and Used).
- Branch NPA Decreased from 8.50% to 3.25% in Just 2 Years.
- EMIs In Zero Buckets Increased from 75.00% to 92.00% till Mar-2020.
- Promoted as Cluster Business Manager for 4 Branches.
- Current Sales Team Strength 56 including 4 Business Managers and Collection team of 34 Including 4 TLs.
- Extra Responsibility to develop TW business in Mumbai also given in Aug-20.
- Keeping Eagles Eye On Competitor and creating Plans accordingly to achieve Organizational goals.
- Collecting Complete DATA from Market and analyzing Risk before giving TA to Used and New Car Dealer.
- Meeting with Manufacturers and Channel Promoters time to time to understand market Sentiments.
- Making incentive Schemes for Sales / Collection/ Operations/ Cahier / revised time to time to keep team Motivated to get maximum productivity.
- Monitoring Overall TAT from Lead Sourcing / Login/ Decision making / Disbursement.
- Taking necessary measures to improve TAT from Lead generation to Disbursement.
- In this Lock Down we in Au Completely Focused on Collection and Cross Sell.
- (FD / CASA/ LI/HI/etc.).
- We reduced NPA for Mumbai and adopted different methods to understand market Situation and took corrective actions to keep Portfolio intact.
- After lock down, we at Au Bank started, Business in Last Month where we did 25.00Crs in Mumbai.
Sr. Relationship Manager
Kotak Mahindra Prime Ltd
Mumbai, MH
06.2015 - 05.2018
- In AUTO LOANS sales and Collection
- Key responsibility to get business from all major Dealers in Used Business and from New car Dealers of ( Maruti , Renault, Nisan, Tata, Mahindra & Mahindra, Ford, Honda, Hyundai etc.).
- Impanel new DSAs dealing in Used cars.
- Team Development .
- Cross Selling of banking Products like General Insurance/ CASA.
- Collections of PDD and Registration Numbers.
- Oversaw high-volume accounting operations with 11 person team focused on efficient budget administration, AP/AR and other financial management needs
- Recruited, interviewed, hired and trained 6 employees and implemented mentoring program to promote positive feedback and engagement
Relationship Manager
ICICI BANK LTD
Mumbai, Maharashtra
10.2013 - 06.2015
- Used and New car Sales through New and Used Car Dealers and DSA across Mumbai
- Generated new business and referral clients in partnership with financial advisors and branch team
- Onboarding New team members and training them to achieving Management goals
- Providing Trade Advance to new car Dealers and make Sure that same is Churned in given time.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products
- Supported end-to-end credit management process, submitted complete loan documentation and supported credit originations for credit compliance
Sales Manager
Equitas Finance Pvt Ltd,
Mumbai, Maharashtra
01.2012 - 10.2013
- Joined Equitas Finance as Sr. Sales Executive for Used and New Car and SCV Segment on 2nd Jan 2012
- Achieved 100 % Sales and Collection Target.
- Key responsibility includes identifying new clients in small transport segment and funding their requirement.
- Due to Excellent performance in Sales and collection, I got promoted as Sales-manager in just 8 Months and got responsibility to act as Branch Manager and handle Sales and collection for Branch.
- My key responsibility now as a, Ltd is Handling and motivating team to get good results from them, sourcing new cases from market and maintain 100% collection rate.
- Appointing DSA, Brokers and get Business from them.
- Selling of Stock vehicles.
- Appointing new Clients for Trade Advances and getting Business from them.
Field Officer
Shriram Transport Finance Company Ltd
Mumbai, Maharashtra
05.2008 - 01.2012
- Key responsibility includes identifying new clients in small transport segment and Strategic Customers and funding their requirement ; Identifying Dealers and DSA in Used car Business and Empanelling them to get Business and Collecting EMI of Customer Whom have Funded.
- Managing portfolio of around 300 customers and Making Sure We get EMIs on Monthly Basis.
- Doing collection in accordance with month demand and maintained 85% collection rate.
- Detecting fraudulent, default cases and getting it resolved by finding best possible way either by getting EMIs and if Customer not able to Pay EMI take vehicle into custody and later get Buyer who can Purchase vehicle.
- Prevention of likelihood of default through proper follow-up and corrective measures.
- Collection of PDD.
- Always meet with targets of Child Loans Such as Tyre loan, Gold Loan, Credit cards.
- Good Contacts with Seizures for solving cases in heavy Buckets.
- CTC : 14.50 Lac.
Education
B. Com -
Mumbai University
Mumbai 04.2007 - 03.2008
Some College (No Degree) - Excel And Power Point
Udemy
Mumbai 06.2021 - 07.2021
Skills
Collection and Risk Control
undefinedBox Cricket / Gym
- I Like to play Box Cricket its my Hobby since Child hood.
- I also Like to do Exercise in Gym, It test my Limits and I always like to prove my Self Wrong by Completing the repetition .
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Some College (No Degree) - Excel And Power Point
Udemy
06.2021 - 07.2021
Sr. Business Manager Wheels ( Cluster Manager)
Au Small Finance Bank Ltd
01.2018 - Current
Sr. Relationship Manager
Kotak Mahindra Prime Ltd
06.2015 - 05.2018
Relationship Manager
ICICI BANK LTD
10.2013 - 06.2015
Sales Manager
Equitas Finance Pvt Ltd,
01.2012 - 10.2013
Field Officer
Shriram Transport Finance Company Ltd
05.2008 - 01.2012
B. Com -
Mumbai University
04.2007 - 03.2008
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