Chitranki Soni
Indore
Summary
Experienced professional in auto loan vertical with a focus on team performance and target achievement across Madhya Pradesh and Chhattisgarh. Responsibilities included monitoring business executive performance, conducting market share analysis, and resolving issues with OEMs. Engaged in monthly meetings with manufacturers and dealers to discuss product schemes and strategies, while also managing profit and loss reviews for branches. Proven ability to design competitive payout schemes and enhance dealer commission structures based on market demands.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Associate Vice President
Kotak Mahindra Prime Ltd
09.2021 - Current
- Working as an Associate Vice president in Auto loan vertical heading Madhya Pradesh and Chhattisgarh.
- Driving team for achieving the given targets, monitoring of business executive’s performance month on month basis.
- Market share tracking dealer wise counter wise and market feedback Issue resolution with OEM’s.
- Monthly Manufacturer and Dealer meetings interacting with big customers for the new product schemes and new strategy.
- Festival schemes and special initiatives, new product and process.
- Mapping the payouts and pricing of competitors, revision of payout grids and IRR grids if any and provide inputs to ZSM.
- Monthly Profit and Loss review of branches.
- TA Management - Issuance, monitoring, issues resolution and closure.
- Monitoring of collections and Nonstarters.
- Collection visits of Infants and GNPA customer.
- Designing of new scheme of payouts and dealer commission according the market requirements.
Senior Manager
HDFC Bank Limited
02.2020 - 09.2021
- Working as a Senior Manager in EEG Vertical.
- Source of new customer to generate revenue for Fund based and Non fund based working capital products and increase customer base.
- Strengthen relationship with existing customers so as to generate sustained business and identify opportunity for cross sell.
- Ensure product portfolio management and diversion of risk in partnership with the credit team to achieve portfolio quality.
- Ensure implementation of due processes, guideline and bank's code of conduct in all transaction, sanctions disbursement and post disbursal activities.
- CAM/Proposal preparation of the borrower along with CIBIL and other Dedupe checks to be performed.
- Working in close coordination with product product team, legal team, technical team, risk & intelligence & control team, credit and operations team for sanctioning & disbursement of limits.
Assistant Vice President
AU Small Finance Bank
07.2019 - 01.2020
- Working as Assistant Vice President for Fixed Deposit (Branch Banking).
- Lead a result-oriented team and is responsible for managing the branch profitability.
- Meeting with HNI customers for banking products (Fixed deposits, Current Account, Saving account, Gold loan, Insurance, CC, OD etc).
- Ensuring high quality service and customer relationship management.
- Ensure achievement of given targets by generating business and cross sales.
- Understanding the customer business and prepare the customer profile.
- Key customer relationship management & supervision of all high net worth customers programs.
- Ensure all components of the branch sales model function as per design.
- Complaints handling.
- Focused the existing and inactive clients meeting and short out the problem on priorities.
- Focused the maximum cold calls and spanco method.
Assistant Vice President
AU Small Finance Bank
08.2017 - 06.2019
- Working as Assistant Vice President for Car loan.
- Driving team for achieving the given targets, monitoring of business executive’s performance month on month basis.
- Market share tracking dealer wise counter wise and market feedback Issue resolution with OEM’s.
- Festival schemes and special initiatives, New product and process.
- Mapping the payouts and pricing of competitors, revision of payout grids and IRR grids if any and provide inputs to RBH on quarterly basis.
- TA Management - Issuance, monitoring, issues resolution and closure.
- Monitoring of collections and Nonstarters.
Regional Product Head
Magma Fincorp Limited
02.2017 - 08.2017
- Working as Regional Product Head for MP (All products except tractors).
- Business Development.
- Driving topline and maintaining IRR.
- Market share tracking and market feedback Issue resolution with OEM’s.
- Festival schemes and special initiatives, new product and process inputs to NPH.
- Mapping the payouts and pricing of competitors, revision of payout grids and IRR grids if any and provide inputs to RBH on quarterly basis.
- TA Management - Issuance, monitoring, issues resolution and closure.
- Channel Management.
- Monthly channel performance analysis.
- Key Channel Relationship Management and OEM Relationship Management at the Zonal and Regional offices.
Area Business Head LMV
Mahindra & Mahindra Financial Services Limited
04.2014 - 02.2017
- Company Overview: Mahindra Finance has a wide range of products and services, with something to suit everyone’s needs. Right from finance for two wheelers, tractors, farm equipment, cars and utility vehicle to commercial vehicles and construction equipments, we also provide personal loan, refinance and have group of experts providing investment advice surveying available market products and choosing the most suitable product based on customer need.
- Working as Area Business Head LMV in Mahindra & Mahindra Financial Services Ltd for Indore & Ratlam region.
- I have done market mapping for Cars.
- Business development process of LMV business for Indore & Ratlam region.
- Over all handling & Monitoring of all Car dealerships.
- Handling & monitoring Business executive’s performance month on month basis.
- Monitoring of collections, repossessions, liquidation of stocks recovery through legal on loss on sale.
- Competitors update.
- Analysis of loss on sale.
- Handling 26 branches performance of car business.
- Serving of legal notices to all OD customers.
- Mahindra Finance has a wide range of products and services, with something to suit everyone’s needs. Right from finance for two wheelers, tractors, farm equipment, cars and utility vehicle to commercial vehicles and construction equipments, we also provide personal loan, refinance and have group of experts providing investment advice surveying available market products and choosing the most suitable product based on customer need.
Senior Relationship Manager (Direct Marketing)
Mahindra & Mahindra Financial Services Limited
12.2012 - 03.2014
- Got promotion in direct marketing department and became senior relationship manager.
- Responsible for Indore Region, handling following branches.
- To ensure that every branch in the region allocated is visited in a month and visit report maintained.
- To understand the branch existing customer / products financed profile.
- To know the competitors marketing practices/ schemes in the region.
- To facilitate the implementation of Direct Marketing programs by co-coordinating and guiding the Branch Teams.
- For implementation of DM 50 program, to ensure follow-up and conversion of business from existing database.
- Also expansion through acquisition of new customer base.
- This is to be done in co-ordination with existing MMFSL team.
- To ensure Go Direct Program (2 existing + 2 non-existing customer visits per day per exe.) by existing MMFSL Customer managers.
- To visit along with team which help the objective of understanding customer’s requirements / profile / grievances if any etc.
- To organize / plan / conduct various marketing activities in coordination with Branch Teams.
- Every branch has to conduct minimum 5 activities per month.
- To appoint minimum 50 existing good customers of MMFSL/MRHFL as Sutradhars per month.
- To ensure proper MIS of leads generated through various programs is properly captured and followed up.
- To maintain cordial relationship with internal and external Clients.
- Daily /monthly reporting to be ensured.
- Innovative methods of new business generation in compliance with company guidelines.
- To co-ordinate with Marketing department for successful implementation of company marketing initiatives and also branch / regional level marketing initiatives.
Relationship Manager
Mahindra & Mahindra Financial Services Limited
06.2010 - 12.2012
- I was handling direct marketing department in MAHINDRA & MAHINDRA FINANCIAL SERVICES LIMITED as a Relationship Manager for Indore Region.
- Business Development process, increasing market share of dealership.
- Over all handling & monitoring of Dealerships & collection.
- Handling & monitoring Business executives’ performance.
- Development of Business module related projects of Mahindra Finance i.e.
- Business development process.
- Customer Centricity.
- Collection Process.
- Legal process.
- AMFI Training & Insurance training.
- Marketing strategy.
Education
DBF -
IIBF
05.2025
PGP DUAL - MBA
IISCS
05.2025
Bachelor’s Degree - BIOTECHNOLOGY, COMPUTER SCIENCE
SOFTVISION INSTITUTE OF BIOTECHNOLOGY
INDOREIntermediate (SSC) - Science
ARYA KANYA INTER COLLEGE
JHANSIHigh school -
ARYA KANYA INTER COLLEGE
BANDA, U.PSkills
- Customer relationship management
- Financial analysis
- Market analysis
- Sales strategy
- Effective communication
- Team leadership
- Service delivery management
- Organizational development
- Revenue generation
- Business development
Achievements Strengths
- Got MD award for exceptional performance in Kotak Mahindra Prime Ltd.
- Got three promotions in 4 years career in Mahindra Finance.
- Three times Gold medalist in science exhibition at state level.
- Governor awarded in Scouting/Guiding.
- Selected for president awarded in Guiding.
- State level debater.
- Selected for national level table tennis championship.
- Participated & won the competition that is 'Think Tank' & 'EMI SULTANS' in Mahindra Finance.
Certification
- Certification from NCFM beginner module with 87%
- IRDA certification
- Proficiency in MS-Office (MS word, power point, excel), c, c++, DBMS, internet.
- Successfully completed Harvard management course.
Professional References
- Mr. Himanshu Dangi, Divisional Manager (Mahindra Finance), 09752042426
- Gopal Singh, Self Employed, 09977388821
Disclaimer
I hereby declare that the above information is true to the best of my knowledge.
Internship
HSBC BANK INDORE, 07/27/09, 09/20/09, Generating leads of prospective clients., Explaining the details about the product., Lead generator and converting leads into sales.
Personal Information
- Husband's Name: Saeed Khan
- Date of Birth: 07/26/87
- Marital Status: Married
Languages
English
Upper Intermediate
B2
Hindi
Upper Intermediate
B2
Timeline
Associate Vice President
Kotak Mahindra Prime Ltd
09.2021 - Current
Senior Manager
HDFC Bank Limited
02.2020 - 09.2021
Assistant Vice President
AU Small Finance Bank
07.2019 - 01.2020
Assistant Vice President
AU Small Finance Bank
08.2017 - 06.2019
Regional Product Head
Magma Fincorp Limited
02.2017 - 08.2017
Area Business Head LMV
Mahindra & Mahindra Financial Services Limited
04.2014 - 02.2017
Senior Relationship Manager (Direct Marketing)
Mahindra & Mahindra Financial Services Limited
12.2012 - 03.2014
Relationship Manager
Mahindra & Mahindra Financial Services Limited
06.2010 - 12.2012
DBF -
IIBF
PGP DUAL - MBA
IISCS
Bachelor’s Degree - BIOTECHNOLOGY, COMPUTER SCIENCE
SOFTVISION INSTITUTE OF BIOTECHNOLOGY
Intermediate (SSC) - Science
ARYA KANYA INTER COLLEGE
High school -
ARYA KANYA INTER COLLEGE