Bijayshankar Rajak
Mumbai
Summary
Seeking assignments in Product development and Management with a high growth-oriented organisation.
Knowledge of Product & Marketing with understanding of RBI policies and regulations, markets, sales, segmentation, penetration and targeting. First-hand experience on digital initiatives. Possesses strong work ethics, positive attitude and is well versed in achieving people's confidence. Capable of making significant contribution to teams and organizations, with strong, analytical & communication skills. A team player & go-getter with a flexible and positive attitude.
Innovative Product Lead with significant experience in driving Sales, managing product development and cycles from inception to launch. Strengths include strategic planning, cross-functional team leadership and market research. Demonstrated ability to streamline processes for efficiency and foster innovation that drives revenue growth. Known for surpassing customer expectations through effective communication and problem-solving skills.
Overview
19
19
years of professional experience
Work History
Product Lead and National Sales Head – Loan Against Securities
Jio Finance Ltd
Mumbai
04.2024 - Current
- Digital Product Development and Launch
- LAMF (CAMS & Fintech)
- LAS - Phygital Process
- LAS Digital (NSDL)
- Planning and tracking marketing activities for sourcing business through various Channels
- Digital LAS journey and Process and Fin-tech Evaluation
- Working closely with the Risk and Credit team to ensure risk free business
- Continuous working with IT team for system enhancement for business ease
- Campaign Planning with analytics and Marketing team
- Effectively Team handling by motivating and coinciding the goal of team members with that of the company
- Channel Management as well as Open markets through DSA and Connectors
Product Manager – Loan Against Securities
YES Bank Ltd
Mumbai
11.2021 - 04.2024
- Training team and various channels on product features and policies
- Planning and tracking marketing activities for sourcing business through various Channels
- Tracking and Managing Product Profitability
- Digital LAS journey and Process and Fin-tech Evaluation
- Working closely with the Risk and Credit team to ensure risk free business
- Continuous working with IT team for system enhancement for business ease
- Competition Analysis on Processes
- Developing new product and process in line with RBI guidelines for ease of business
- Campaign Planning with analytics and Marketing team
Product Lead – Loan Against Securities
Kotak Mahindra Bank Ltd
Mumbai
02.2017 - 11.2021
- Tracking and Managing Product Profitability
- Digital LAS Process
- IPO Funding Process for retail segment
- Working Closely with the Risk and Credit team to ensure risk free business
- Continuous working with IT team for system enhancement for business ease
- Channel Management as well as Open markets through DSA and Connectors
- Risk Control Management
- Campaign Planning with analytics and BIU
Regional Sales Manager (West)
IndusInd Bank Ltd
Mumbai
05.2016 - 01.2017
- Managing In-house business by book building and maintaining required utilisation
- Developing outsource NBFC business for generating revenue
- Refined in knowledge of marketing, segmentation in achieving Fees Target and Book Building
- Effectively Team handling by motivating and coinciding the goal of team members with that of the company
- Training team and various channels on product features and policies related to product
- Channel Management as well as Open markets through DSA and Connectors
City Head, Handling Mumbai and ROMG
Kotak Mahindra Bank Ltd
Mumbai
09.2011 - 05.2016
- Refined in knowledge of marketing, segmentation including how to fulfil sales targets and quotas
- Effectively Team handling by motivating and coinciding the goal of team members with that of the company
- Training team and various channels on product features and policies related to product
- Tracking and Managing Product Profitability
- Channel Management as well as Open markets through DSA and Connectors
- Handling various Channel for sourcing like Branch Channel, Corporate Channel, Tele Sales Channel, RM Channel, & Open Market
- Effective Handing of HNW Customers
Sales Manager
HDFC Bank Ltd
Mumbai
06.2008 - 09.2011
- Product Development to increase market share of banks in respective products
- Effective segmentation of the market to fulfil sales targets and quotas
- Effectively Team handling by motivating and coinciding the goal of team members with that of the company
- Handling various Channel like Corporate Channel, Tele Sales Channel, Casa Channel, RM Channel, & Open Market
- Effective Handing both lower Income Group and HNW Customers
- Cross-sell other Asset products and Accidental insurance
Relationship Officer
ICICI Bank LTD
Mumbai
04.2007 - 05.2008
- Ripen an understanding of people and communication skills
- Widen the understanding to Identify with the service quality gap
- Relationship Building with connectors and DSA to get maximum business from respective channel
- Understanding of effective and timely Co-ordination for maintaining sales and service turnaround time for Customers and channel partners
Franchise Manager
Automartindia Ltd
06.2006 - 04.2007
- Learned Frontline Sales and generating and managing leads to timely achieve targets
- Effective customer handling and service issue for retaining channel partners
- Organising marketing activity
Education
MBA - Marketing and Information Tech
Babu Banarasi Das National Institute OF Technology & Management
U.P., India01.2006
B.Sc - IT
Mumbai University
01.2004
HSC - Science
Mumbai University
01.2001
S.S.C -
Mumbai University
01.1999
Skills
- Product Documentation Development
- Product training
- Strategic Roadmap Development
- Customer journey mapping
- Sales Support Strategies
- Market-Driven Product Strategy
- Competitive analysis
- Customer Group Identification
- User Product On-boarding
- Product compliance
- Product Data Analysis
- Product marketing
- Innovative Design Approach
- Go-to-market strategy
Bankingcredentials
Certification in Customer Service and Banking Codes and Standards, Indian Institute of Banking and Finance
Languages
- English
- Hindi
- Marathi
Snapshots
- Knowledge of Product & Marketing with understanding of RBI policies and regulations, markets, sales, segmentation, penetration and targeting.
- First-hand experience on digital initiatives.
- Possesses strong work ethics, positive attitude and is well versed in achieving people's confidence.
- Capable of making significant contribution to teams and organizations, with strong, analytical & communication skills.
- A team player & go-getter with a flexible and positive attitude.
Personal Information
- Father's Name: Mr.Shivprasad Rajak
- Date of Birth: 02/27/83
Timeline
Product Lead and National Sales Head – Loan Against Securities
Jio Finance Ltd
04.2024 - Current
Product Manager – Loan Against Securities
YES Bank Ltd
11.2021 - 04.2024
Product Lead – Loan Against Securities
Kotak Mahindra Bank Ltd
02.2017 - 11.2021
Regional Sales Manager (West)
IndusInd Bank Ltd
05.2016 - 01.2017
City Head, Handling Mumbai and ROMG
Kotak Mahindra Bank Ltd
09.2011 - 05.2016
Sales Manager
HDFC Bank Ltd
06.2008 - 09.2011
Relationship Officer
ICICI Bank LTD
04.2007 - 05.2008
Franchise Manager
Automartindia Ltd
06.2006 - 04.2007
MBA - Marketing and Information Tech
Babu Banarasi Das National Institute OF Technology & Management
B.Sc - IT
Mumbai University
HSC - Science
Mumbai University
S.S.C -
Mumbai University
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