DARSHAN KULKARNI
Pune
Summary
Sales manager with extensive experience at Mahindra & Mahindra Financial Services Ltd, specializing in client acquisition and relationship management. Demonstrated success in loan appraisal and risk management, resulting in significant sales growth. Skilled in market analysis and lead generation, fostering strong partnerships to expand business reach.
Overview
14
14
years of professional experience
Work History
Sales Manager
Mahindra & Mahindra Financial Services Ltd
Pune
09.2022 - Current
- Handling Overall Pune location with KRA of Sales targets, Operations, Case Appraisal, Acquisition of SME profile clients, Relationship management of on-boarded clients, Relationship with Machine Suppliers for generating leads.
- Managed MSME finance activities, focusing on equipment finance and industrial loans.
- Closely work with Credit team for loan appraisal and effective risk management, Client/account management throughout the tenure of relationship, well versed with local market.
- Identifying SME Associations, Machine Manufacturers and Suppliers for empanelling to expand the Co reach in the market.
Sales Manager
Protium Finance Limited
Pune
11.2021 - 09.2022
- Oversaw Pune location, achieving sales targets and managing operations, case appraisal, client acquisition, and relationship management with onboarded clients and machine suppliers for lead generation.
- Managed MSME finance, equipment finance, and industrial loans to support diverse client needs.
- Identified SME associations and machine manufacturers to expand company reach in the market.
- Closely work with Credit team for loan appraisal and effective risk management, Client/account management throughout the tenure of relationship, well versed with local market.
- Range of products: Machine loans, Working capital demand loans, Corporate term loans, Business Loan, Industrial Property Loans, Old Machine Top Up loans.
- Handled branch customer service and complaints, resolving issues within turnaround time.
Sales Manager (BDO)
Ugro Capital Limited
Pune
12.2020 - 10.2021
- Managed overall Pune location, driving sales targets, operations, case appraisal, and acquisition of SME clients while fostering relationships with on-boarded clients and machine suppliers for lead generation.
- Identified and engaged SME associations, machine manufacturers, and suppliers to enhance Ugro's market presence.
- Managed MSME finance operations, focusing on equipment finance and industrial loan products.
- Closely work with Credit team for loan appraisal and effective risk management, Client/account management throughout the tenure of relationship, well versed with local market.
- Range of products: Machine loans, Working capital demand loans, Corporate term loans, Business Loan, Industrial Property Loans, Old Machine Top Up loans.
- Resolved customer service inquiries and complaints at branch, ensuring timely issue resolution to maintain client satisfaction.
Sales Manager
Electronica Finance Limited
01.2019 - 11.2020
- Managed operations across three locations in PCMC (Bhosari, Chindwad Chikhali, Talwade, Kudalwadi) to achieve sales targets, oversee case appraisals, acquire SME clients, and maintain relationships with onboarded clients and machine suppliers for lead generation.
- Identified and engaged SME associations, machine manufacturers, and suppliers to expand EFL market reach.
- Managed diverse loan products including machine loans and working capital loans to meet client needs.
- Closely work with Credit team for loan appraisal and effective risk management, Client/account management throughout the tenure of relationship, well versed with local market.
- Resolved customer service issues and complaints at branch level within established timeframes to enhance client satisfaction.
Management Trainee – Sales
Motilal Oswal Financial Securities
03.2018 - 06.2018
- Managed mutual fund investments, ensuring alignment with client financial goals.
- Delivered portfolio management services, enhancing client investment strategies.
- Collaborated with teams to develop client investment strategies.
- Analyzed market trends to inform financial recommendations for clients.
- Assisted in managing client accounts and ensuring compliance with regulations.
Financial Analyst
State Street Syntel Services Pvt Ltd
03.2012 - 09.2014
- Research, Analyze and Process trades for 110 countries in Fixed Income, Short Term, Equity and Currencies such as Reverse Repo, Euroclear Certificate of Deposits, Inter Fund and Asset Transfers, Cusip Swing and Foreign Exchange.
- Serviced clients in Canadian market by processing and authorizing Money Market trades ahead of deadlines.
- Adjusted trades to align with specific client instructions, ensuring accuracy and compliance.
- Collaborated with clients to amend same-day settlement failed trades, facilitating timely resolution and settlement.
- Addressed client queries promptly and resolved issues efficiently.
- Maintained checks and followed the proper escalation procedure according to the GTP Management Matrix for trades pending client queries.
- Working with Global Trade Processing Team for State Street Bank & Trust, a well – known US custodian Bank.
Education
PGDBM - FINANCE AND MARKETING
SAI BALAJI EDUCATION SOCIETY-IIMS
PUNE06-2019
BCOM - FINANCE
Smt. L.R.T. College of Commerce Akola
AKOLA06-2011
Higher Secondary Certificate - COMMERCE
Smt. L.R.T. College of Commerce Akola
AKOLA06-2008
Secondary School Certificate - Semi English
D R Patil High School
Akola04-2006
Skills
- Sales strategy and client acquisition
- Loan appraisal and risk management
- Relationship management and customer relations
- Market analysis
- Lead generation
- Client acquisition
- Sales closing techniques
- Team collaboration
- Negotiation skills
- Sales engagement techniques
- Product knowledge
Languages
- Hindi
- English
- Marathi
- Hindi
- English
Hobbies and Interests
- Cricket
- Cooking
- Travelling
Personal Information
- Father Name: Dattatraya Kulkarni
- Mother Name: Deepali Kulkarni
- Spouse Name: Anuradha Kulkarni
- Date of Birth: 08/12/1990
- Gender: Male
Languages
Marathi
Native
Native
Hindi
Proficient (C2)
C2
English
Upper Intermediate (B2)
B2
Timeline
Sales Manager
Mahindra & Mahindra Financial Services Ltd
09.2022 - Current
Sales Manager
Protium Finance Limited
11.2021 - 09.2022
Sales Manager (BDO)
Ugro Capital Limited
12.2020 - 10.2021
Sales Manager
Electronica Finance Limited
01.2019 - 11.2020
Management Trainee – Sales
Motilal Oswal Financial Securities
03.2018 - 06.2018
Financial Analyst
State Street Syntel Services Pvt Ltd
03.2012 - 09.2014
PGDBM - FINANCE AND MARKETING
SAI BALAJI EDUCATION SOCIETY-IIMS
BCOM - FINANCE
Smt. L.R.T. College of Commerce Akola
Higher Secondary Certificate - COMMERCE
Smt. L.R.T. College of Commerce Akola
Secondary School Certificate - Semi English
D R Patil High School