Divyanshu Kashyap
Kolkata
Summary
Seasoned Regional Manager well-versed in sales, team and business leadership. Knowledgeable of business operations in Mortgage industry. Offering 10 years of experience and dedication to growth.
Overview
10
10
years of professional experience
Work History
Regional Manager
Bajaj Housing Finance Ltd
02.2023 - Current
- Responsible for planning & delivering AOP target for the assigned geography.
- Enhanced team performance by providing regular coaching, training, and performance feedback to staff members.
- Increased customer satisfaction with timely resolution of escalated issues and proactive communication on product updates.
- Promoted a culture of continuous improvement through ongoing process reviews, employee engagement initiatives, and open channels of communication.
- Evaluated competitor strategies to identify industry trends and gather market intelligence, informing strategic decision-making processes.
- Spearheaded market expansion plans for senior leadership in West Bengal, Uttar Pradesh & other eastern states.
Cluster Manager
Aadhar Housing Finance Ltd
12.2021 - 02.2023
- Responsible to drive sales & portfolio health across Ranchi cluster branches (Ranchi, Dhanbad & Jamshedpur).
- Maintained compliance with company policies, industry regulations, and best practices across all departments (Credit, Technical, Legal & Collection) in the cluster.
- Established strong relationships with key stakeholders through regular meetings, reports, and presentations on cluster progress.
- Implemented innovative marketing campaigns that drove increased brand awareness and customer acquisition within the cluster.
- Conducted regular performance evaluations for all employees to recognize achievements, address challenges, and facilitate professional growth.
State Head
IDFC First Bank Ltd
05.2020 - 11.2021
- Led teams of professionals in achieving organizational goals through clear communication, collaboration, and guidance (Total Team Size- 50).
- Serving needs of internal customers through Pre approved Personal loans.
- Keeping the delinquency in check and Maintaining the overall quality of portfolios.
- Collaborated with cross-functional teams to develop comprehensive solutions addressing complex challenges facing the state.
- Led recruitment and development of strategic alliances to maximize utilization of existing talent and capabilities (Kolkata, Siliguri, Asansol & Guwahati).
Area Sales Manager
Bajaj Housing Finance Ltd (Bajaj Finance Limited).
09.2017 - 03.2020
- Managed a successful sales team, consistently achieving and exceeding monthly sales targets.
- Managing end-to-end sales lifecycle - tapping prospects, analyzing their requirements, rendering advice, negotiating commercially and ensuring timely disbursement of loan documents to the customer
- Meeting up with CAT A & B developers and getting their projects approved.
- Cross sell of Property, Life Insurance & VAS products
- Recruiting, Training, Managing and performance appraisal of company sales staff
- Ensuring resolution of customer complaints within the specified TAT and maintained strong relationships with existing customers to generate strong referrals
- Responsible for managing immaculate portfolio quality by collecting money from any delinquent/stressed account
- Prior to July 2018, was also handling unsecured business for Bajaj Finance Limited (Personal loan 7 Business loan).
Territory Sales Manager
Janalakshmi Financial Services Ltd
12.2016 - 08.2017
- Worked to generate revenue targets and KPI's as set by the company through team of Sales Manager, Relationship officers & Referral Channel Partners (RCP).
- Exceeded targets by building, directing, and motivating high-performing sales team.
- Handled various LAP & business loan products and implement strategies towards enhancing market penetration, business volumes & growth through Jana Small finance bank branches and also through open market operations
- Portfolio health management.
- Ensuring resolution of customer complaints within the specified TAT and maintained strong relationships with existing customers to generate strong referrals.
Branch Sales Manager
Dewan Housing Finance Ltd (DHFL)
06.2014 - 12.2016
- Achieving & exceeding business goals and targets through team of Sales Executives & Direct Sales Channels
- Recruiting, Training, Managing and supporting a team of sales executives to ensure reach in the market and deliverance of Business Volumes
- Meeting up with CAT A/B/C developers and getting their projects approved
- Directing & coordinating various marketing/Sales/relationship building activities with Developers
- Effective handling of digital business of DHFL for Kolkata region (LMS- Lead Management System)
- Handling leads for entire Kolkata region and achieving targets assigned with the help of BDE's
- Ensuring highest level of customer experience at the time of acquisition and loan disbursement.
- Worked closely with Strategic Alliance Partner of DHFL- Yes Bank & United Bank of India.
Education
PGDM (Equivalent To MBA Financial Management & Marketing Management Dual) -
NIILM Centre For Management Studies
Greater Noida, India04.2014
BBA (Financial Management& Marketing Management) -
DAV Institute of Management Faridabad
Faridabad, India05.2012
Skills
- Channel Management
- Client Servicing
- Cross Selling
- Recovery & Collection
- Staff Training and Development
- Strategic Planning
- Staff Management
- Performance Management
- Business development and planning
Accomplishments
- Employee of the quater Award Q4 FY 18-19, Received this award in the month of April 2019 for outstanding performance in Q4.
- Qualify for Travel voucher of 20K for outstanding performance in Cross Sell business FY 18-19
- Selected in Pan India Contest
- Qualify for Thailand Trip for outstanding contribution in insurance cross-sell business (DJFM 2014-2015).
- 1st & only Management Trainee to qualify for foreign trip in the FY 1415
- Outstanding performer in SM category for General Insurance business in Q2 FY 2015-2016, Winner of Secure 2win Contest (i Pad) at Pan India level (DHFLChola MS).
- Won i Pad at Pan India level contest
- Best student in extra-curricular activity (Silver Medal) at Post graduation level
- Awarded for overall excellence in academics & extra curricular activities
- Represented college in various national level quizs, business plans and simulation games (AIMA quiz, AIMA Student Management games, Deloitte JA Titan Achievement, Amity University national business plan competition
Languages
Hindi
English
Bengali
Hobbies and Interests
- Reading Financial planning articles
- Watching OTT platforms
Projects
Study & Analyse the consumer buying behaviour in the fast changing DTH industry, 04/2013, 06/2013, Sold more than 20 new DTH conncetions within the project duration, received appreciation from the mentor for this outstanding performance.
Timeline
Regional Manager
Bajaj Housing Finance Ltd
02.2023 - Current
Cluster Manager
Aadhar Housing Finance Ltd
12.2021 - 02.2023
State Head
IDFC First Bank Ltd
05.2020 - 11.2021
Area Sales Manager
Bajaj Housing Finance Ltd (Bajaj Finance Limited).
09.2017 - 03.2020
Territory Sales Manager
Janalakshmi Financial Services Ltd
12.2016 - 08.2017
Branch Sales Manager
Dewan Housing Finance Ltd (DHFL)
06.2014 - 12.2016
PGDM (Equivalent To MBA Financial Management & Marketing Management Dual) -
NIILM Centre For Management Studies
BBA (Financial Management& Marketing Management) -
DAV Institute of Management Faridabad
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