Choudhury Srikant Gautam

Full P&L and operational accountability of the group. Overseeing 125 employees and 09 direct reports spanning across 9 locations and support 1500+ branches for new acquisition in India. Key responsibilities include Product Innovation, Process Improvement & Tech-Integration projects, Risk Management & Regulatory Compliance, Leadership & Training, Market Analysis & Benchmarking, Branch Engagement, Customer Retention & Revenue Maximization

Significant Accomplishments:

• Reduced operational costs by identifying areas of inefficiency and implementing cost-saving measures.
• Created an exceptional business plan, organization and sales and marketing infrastructure for regional teams which maximized team effectiveness. Achieve allotted annual budgets in 9 months improving overall revenue by 2X & profitability by 3 times.
• Curated & launched two salary account products targeting the Govt. employees.
• Introduced reverse cross selling to capture core-business and improved sale of Credit Cards, Demat Accounts, Loans, Insurances & Family accounts improving wallet share.
• An integral part of the National Leadership Core Management Team for Liabilities
  Business Development of the Bank chaired by ED & Business Head – Retail.

In-addition to the existing Regional Sales Manager responsibilities, developed portfolio retention strategies, implemented competitive pricing models and customer engagement initiatives to minimize balance transfers and enhance portfolio stickiness. Led efforts to improve customer experience through streamlined documentation, digital servicing solutions, and proactive engagement programs. Oriented the team on risk management and compliance, ensuring adherence to regulatory policies while maintaining a high-quality loan book. Collaborated with credit and operations teams to optimize underwriting processes and improve turnaround times. Adept at leading high-performing sales teams, driving productivity through training, performance management, and strategic sales planning.

Led a team of 20 sales managers including 3 Territory Sales Managers. Spearheaded sales strategies, leveraging multiple distribution channels, including direct sales, DSAs, digital platforms, and branch banking, to maximize loan origination. Established strategic partnerships with real estate developers and corporate entities, focusing on high-ticket loans for HNI and NRI segments. Organized regular sales meetings, providing comprehensive updates on market trends, competitor analysis, and new product developments.

Significant Accomplishments:

• Achieved 2.5X growth in the loan book in 3 years from INR 2,000 to 5000 crores
• Over-achieved year-on-year sales budgets by 200% or more
• Ensured pristine portfolio health by tracking loan book performance, including delinquency trends, early warning signals, and repayment behavior
• Developed and maintained positive relationships with clients in assigned sales territories.

One of primary objective was helping the team prepare credit and financial information through worksheets for submission to loan processing and follow up till the proposal is converted to business. Analyzed sales data to identify opportunities for improvement and implemented targeted action plans accordingly. Monitored competitor activities within the territory, adjusting sales strategies as needed to maintain a competitive edge.

Significant Accomplishments

• Reduced sales cycle time by 50% through process optimization and team training
• Handled Central Business District area at Bengaluru.

• Handled customer relations issues, enabling quick resolution, and client satisfaction.
• Built long-lasting client relationships through excellent customer service and consistent followups.
• Analyzed market trends to identify new business opportunities, leading to expansion into profitable territories.
• Overcame objections from potential clients by addressing concerns effectively and offering customized solutions based on their unique needs.
• Developed comprehensive product knowledge, enabling tailored solutions for clients'' specific needs.