Deep Sinha

Seeking a challenging and rewarding opportunity with an organization of repute which recognizes and utilizes my true potential, and deliver impactful results aligned with organizational goals.

Banking and Insurance professional having 19 years of rich and qualitative experience in asset-based banking including sales, credit underwriting, product management, financial analysis, risk mitigation, internal checks, controls & soft recovery and insurance product sales Currently working as Head- Credit Underwriting, (Farm development/Infrastructure/ Agri & allied activities (SMF) PAN India in Samaaru Finance Pvt. Ltd.(NBFC) to assess and analyze creditworthiness of loan applicants Additionally, designated as Chief Principal Officer on behalf of company for all cross communications with the regulators, ensuring compliance requirements and cascading the same to other functions. Working as vital link with external entities i.e Co-Lending with other banking entities, Insurance service providers, regulatory bodies ensuring smooth operations, compliance adherence and fostering strategic relationship. Managed overall sales, profitability parameters, policy inputs, portfolio management and team handling across the assigned geography Recognized as a consistent contributor in individual as well as supervisory level and responsible for implementing business strategies leading to increase in individual business productivity of all colleagues and my entire team during my career in BFSI. Lead, managed, trained and guided new relationship managers and supervisors in different grades all along my career to achieve targets and work within the framework of the organization in BFSI domain Facilitated and on-boarded 300+ Business Correspondents for new savings a/c’s (BSBDA), transactions, cash deposits, withdrawals and fund transfers through handheld device or micro-ATMs through across unbanked location under the Jan Dhan Yojna program. Handled a portfolio of 500+ Cr including fund based as well as non-fund based exposures trough a team of experienced cluster heads and relationship managers with HDFC Bank. Worked in overseas market in a multicultural sales team in the international insurance markets adapting to align with local regulations ensuring sales execution, high customer satisfaction and loyalty. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

• Part of the esteemed talent pool in HDFC Bank for fast track career growth.
• Recognized as Cluster Head for highest disbursement in Chhattisgarh.
• Received top sales performer and customer excellence awards during career with insurance companies.

• Head – Credit Underwriting, Samaaru Finance Pvt. Ltd. (NBFC), 06/01/19, Present, Lead and manage team of Cluster Heads/RM’s for sales of agriculture loans., Conduct thorough customer due diligence and risk assessments.
• Cluster Head, HDFC Bank Ltd., 10/01/12, 05/31/19, Promote and sell agriculture products to farmers., Lead and manage a team of RM’s to achieve sales targets.
• Authorized Consultant, Nexus Insurance Brokers, 01/01/12, 06/30/12, Abu Dhabi, UAE, Deliver tailored financial solutions to clients.
• Business Development Manager, Shriram Sanlam Life, 04/01/11, 12/31/12, Ranchi, Jharkhand, Drive sales growth and expand market presence.
• Territory Manager, Reliance Life, 04/01/09, 05/31/10, Burdwan, West Bengal, Oversee and expand sales operations.
• Center Manager, Reliance Securities, 02/01/08, 03/31/09, Ranchi, Jharkhand, Oversee daily operations of the branch.
• Associate Manager- Agency Sales, Max New York, 12/01/05, 02/28/08, Ranchi, Jharkhand, Identify, recruit, train and on-board high-performing agents.
• Channel Sales Officer, Metlife India Insurance, 02/01/04, 07/31/05, Pune, Maharashtra, Drive insurance product sales through banking partners.