Bhalchandra Bharitkar

Working with fastest growing retail bank in the country

Product : Retail Sales Car loans , Used car loans and Two wheelers

Team Size: 13 relationship managers and 2 Area sales managers

● Managing retail Car loan business for new and used car loans and Super Bikes for Yes Bank in Mumbai.Responsible for Portfolio of 45 cr a month retail disbursement

● Responsible for 150 cr of Inventory portfolio in Mumbai,New Inventory funding acquisition and channel management of Auto and TWL dealers in MMR, enhancing relationship value through constant engagement and managing portfolio with effective communication and collection.

● Distribution and dealer /channel management: Channel Development and Business management through guided leadership and relationship management

● Building a retail franchise for a sustainable retail business model, profitable product mix, cross sale and ERV from existing customer relationship

● Review & monitoring of Key business parameters and realignment to achieve defined goals

● Training and development of team, empowerment and skill building through effective delegation

Worked with one of the fastest growing bank and leader in consumer retail

Profile : Regional Head-sales Car loans

Product : Retail consumer loans - Car loan

1. Managed Car Loan Business for Mumbai as regional head

2. Successfully developed a tram of strong sales managers handling business portfolio of 50 cr a month

3. Sales coaching and training

4. Developing internal channel business

5. Key account management with internal and external stakeholders

6. Portfolio management , Collections and revenue generations trough cross sell

Profile : Car Loan Sales

1. Sourcing Retail car loan Business from Internal Channels , Branches and Dealer DSA

2. Managing a portfolio of 12 cr a month

3. training of Branch staff and wealth managers on retail Assets - car loan /used car and TWL business product policies and process

4. Delinquency management , collection and periodic account reviews with collections and risk team

Profile : Cross sell leader - Retail Asset

Product : Home loan , Car loan , Personal loan , Two wheeler , LAS , GL

2. Portfolio of 25 cr a month across retail asset products

3. Led a team of 11 Cross sell manager across MP and CG

Cross sell Business leader - ROMG

Profile : Retail Asset Cross sell manager

Product : Home loans, Car Loans , Two wheeler loans , Personal Loans , LAS and Gold Loans

• Acquired experience in Sales and Business development of pharmaceutical products, Brand promotions, sales distribution along with dealer and distributors relationship management
• Product line: Pediatric and Gynecology

• Acquired experience in Sales and Business development of pharmaceutical products, Brand promotions, training on products, sales distribution along with dealer and distributors relationship management
• Product Line : Neuropsychiatric, Antidiabetic and Cardiac