Nikhil P R
Ernakulam
Summary
Results-driven Area Sales Head with proven success in driving revenue growth and market expansion. Strong track record in building and leading high-performing sales teams, creating strategic plans, and fostering long-term client relationships. Adept at identifying market opportunities, developing effective sales strategies, and delivering outstanding results. Brings focused approach to achieving targets and commitment to exceeding expectations.
Overview
14
14
years of professional experience
Work History
Collection Manager - CD Loans
Hdfc Bank Ltd
Cochin
10.2025 - Current
- Managed collection processes for overdue accounts, improving cash flow and reducing aged debt.
- Handled customer and employee finance queries, complaints and concerns, resolving with balanced solutions.
- Managed collection operations, overseeing a team of 10 to optimise debt recovery processes and achieve targets.
- Ensured efficient collections and recoveries through the development of procedures inline with risk policies, driving continuous process improvements.
- Coordinated with external debt collection agencies as needed, overseeing their activities to ensure alignment with company policies.
- Developed and maintained positive relationships with clients, ensuring effective communication regarding account status.
- Negotiated payment arrangements with customers in financial difficulty, maintaining positive customer relations while recovering debts.
- Collaborated with sales and customer service teams to resolve issues impacting account settlements.
- Responded to customer queries regarding outstanding invoices and payments, providing clear, empathetic explanations and solutions.
- Reported on collection activities and performance, providing insights for strategic decision-making.
- Continuously reviewed and improved policies, procedures and checklists for asset management, inspection and disposals.
- Managed accounts payable and receivables, raising invoices, reconciling accounts and processing cash transactions.
AREA SALES MANAGER- Auto Loans
Dhanalakshmi Hire Purchase & Leasing Ltd
Ernakulam, India
05.2024 - 09.2025
- Led sales team towards achieving quarterly targets through strategic planning and effective resource allocation.
- Identified and pursued new business opportunities in untapped markets, expanding company reach and influence.
- Developed and implemented innovative sales strategies, increasing market share and profitability.
- Conducted comprehensive training sessions for sales staff, enhancing their product knowledge and sales techniques.
- Monitored competitors through multi-channel research strategies to best capitalise on market gaps or anticipate changes in customer interests.
- Coordinated with marketing department to create compelling sales campaigns and promotional activities.
- Prepared detailed reports on sales activity, revenue generation, and market penetration for senior management review.
- Assessed market conditions for potential opportunities and risk factors impacting promotional strategies.
- Tracked sales, click-through rates and conversion rates by marketing campaign for comparison.
- Developed and implemented sales strategies tailored to local market conditions, resulting in increased market share.
- Optimised sales methods to best acquire, develop and retain customers.
- Achieved and surpassed sales targets consistently, contributing significantly to the company's growth and profitability.
AREA MANAGER - Auto Loans
ESAF Small Finance Bank
ERNAKULAM, INDIA
03.2023 - 03.2024
- Led daily operations to achieve branch office targets
- Supervise and guide a team of professionals to maximise revenue.
- Develop a safe and positive work environment for staff.
- Ensure customer satisfaction by delivering timely and quality services.
- Develop a strong working relationship with potential clients for new business opportunities within the assigned area.
- Analyse capital budget and expenses to find opportunities for cost-effectiveness and profitability.
- Develop business plans for optimal use of resources and time.
- Assist in interviewing, recruiting, and training staff.
- Develop marketing plans to achieve sales targets and increase brand visibility within the assigned area.
- Perform market research to study consumer behaviour, latest trends, and competitor activity.
- Organise regular meetings with management to discuss business updates, issues, and opportunities.
- Train staff on daily responsibilities, brand promotion, and customer service activities.
- Evaluate employee performance and develop individual development plans.
- Evaluate existing business procedures and recommend improvements.
- Address customer issues and queries in an accurate and timely manner.
DEPUTY MANAGER - Two wheeler Loans
Kotak Mahindra Prime LTD
Cochin
09.2021 - 09.2022
- Created and presented financial reports periodically
- Oversaw recruitment of high-performing staff to aid successful achievement against sales and performance targets
- Managed front and back-of-house activity with care and diligence, improving smooth-running business operations
- Established strategic monthly sales goals, communicating priorities to staff and closely tracking progress to ensure success
- Employed outstanding communication and relationship-building abilities to lead by example in providing first-class customer care
- Generated new business by planning and launching creative marketing initiatives
SALES MANAGER - Two wheeler Loans
HDB Financial Services LTD
Cochin
02.2021 - 08.2021
- Exceeded targets by building, directing and motivating high-performing sales team
- Coached sales associates in product specifications, sales incentives and selling techniques, significantly increasing customer satisfaction ratings
- Resolved all vendor and account problems efficiently
- Created and implemented new business opportunities by utilizing strategic networking strategies
- Monitored sales team performance, analyzed sales data and reported information to area managers
- Built relationships with customers and community to establish long-term business growth
- Encouraged cross-selling of additional products and services through relationship-building and acquired understanding of customer business needs
- Collaborated with upper management to implement continuous improvements and exceed team goals
TEAM LEADER - Two wheeler Loans
IDFC First Bank LTD
Cochin
02.2018 - 01.2021
- Mentored and guided employees to foster proper completion of assigned duties
- Built strong relationships with customers through positive attitude and attentive response
- Molded team and embraced change to adapt within dynamic market
- Facilitated training for associates through daily coaching and regular performance appraisals
- Coordinated weekly meetings for internal and external groups, including teleconferences and videoconferences, interacting with all levels of management
- Conducted training and mentored team members to promote productivity, accuracy and commitment to friendly service
SENIOR EXECUTIVE
ICICI Bank LTD
01.2017 - 01.2018
- Evaluated product development strategy effectiveness and prepared alternative approaches to exceed goals
- Increased company growth through effective collaboration with sales and marketing departments
- Increased efficiency by analyzing data and maximizing opportunities for improved productivity across several areas
- Created and made appropriate documentation for annual budgets and senior leadership goals
- Handling Branch operations
- Retention of customers by providing best customer services
- Team handling
TRANSPORTATION SUPERVISOR
Prestige Plastics
01.2015 - 12.2016
- Maintained compliance with DOT regulations, accurately documenting driver qualifications, permits and equipment information
- Closely monitored operations and performed regular safety audits for adherence to administrative policies and compliance regulations
- Researched affordable transportation methods and performed safety audits on equipment
- Managed all aspects of daily delivery, including routing, driver supervision and DOT compliance
- Verified that drivers transported loads safely and complied with state DOT laws
- Maintained and verified time, transportation, financial, inventory and personnel records
- Resolved maintenance and repair issues for vehicles and equipment
SALES MANAGER
M&B Automobiles
03.2012 - 12.2014
- Monitored customer buying trends, market conditions and competitor actions to adjust strategies and achieve sales goals
- Aggressively pursued competitive accounts by differentiating company from competitors
- Created effective strategies to target new markets after researching and analyzing competitor behavior
- Identified, hired and trained highly-qualified staff by teaching best practices, procedures and sales strategies
- Produced contracts, reports, letters, and proposals for clients
- Developed and implemented comprehensive salesperson training program
- Improved sales processes to streamline customer acquisition and onboarding strategies
- Handled all customer relations issues pleasantly, enabling quick resolution and client satisfaction
Education
B.com - Finance And Taxation
Mar Elias College
KothamangalamGHSS South vazhakulam
VazhakulamSkills
- Margin retention
- Revenue diversification strategy
- SaaS (Software as a service) Sales
- Hiring and training management
- Target setting and monitoring
- B2B sales expertise
- Lead generation
- Market analysis
- Direct sales strategies
Accomplishments
- In recognition for an outstanding performance in two wheeler loan business during 08/2017.
- In recognition for an outstanding performance in two wheeler loan business during 10/2017.
- In recognition for an outstanding performance in two wheeler loan business during 11/2017.
- All Kerala First Time 200 no achiever for the year 2019.
- All Kerala 200 no achiever 8 times.
Languages
Malayalam
Proficient
C2
English
Proficient
C2
Hindi
Proficient
C2
Tamil
Intermediate
B1
Hobbies and interests
- Trucking & Travelling
Timeline
Collection Manager - CD Loans
Hdfc Bank Ltd
10.2025 - Current
AREA SALES MANAGER- Auto Loans
Dhanalakshmi Hire Purchase & Leasing Ltd
05.2024 - 09.2025
AREA MANAGER - Auto Loans
ESAF Small Finance Bank
03.2023 - 03.2024
DEPUTY MANAGER - Two wheeler Loans
Kotak Mahindra Prime LTD
09.2021 - 09.2022
SALES MANAGER - Two wheeler Loans
HDB Financial Services LTD
02.2021 - 08.2021
TEAM LEADER - Two wheeler Loans
IDFC First Bank LTD
02.2018 - 01.2021
SENIOR EXECUTIVE
ICICI Bank LTD
01.2017 - 01.2018
TRANSPORTATION SUPERVISOR
Prestige Plastics
01.2015 - 12.2016
SALES MANAGER
M&B Automobiles
03.2012 - 12.2014
B.com - Finance And Taxation
Mar Elias College
GHSS South vazhakulam