Gurjeet Singh
Delhi
Summary
Performance-driven professional with over 20 years of experience in business development and hard bucket collection management within the construction and commercial equipment sectors. Proven track record in sales management, dealer penetration, and critical NPA recovery, achieving the highest GNPA resolution in March 2021. Recognized as the top performer in construction equipment finance for multiple fiscal years, with expertise in asset-based financing and legal procedures. Skilled in utilizing banking software and data presentation tools to enhance operational efficiency and meet targets.
Overview
20
20
years of professional experience
Work History
ASM
Axis Bank
Delhi NCR, India
03.2022 - Current
- Generated significant business volumes of Construction Equipment across Delhi NCR while based at Gurgaon Loan Centre.
- Targeted super strategic key accounts, semi-strategic clients, and retail profile customers.
- Maintained zero delinquency across built-up portfolio to ensure financial stability.
- Achieved substantial fee-based income through PF, insurance, CASA, and FD services.
- Oversaw relationships with key OEMs and dealers to enhance partnerships.
- Proposal presentation directly to RCM and NCM for approval of wrongly rejected cases.
- Sourcing business from the Axis Bank branch network based in Gurgaon.
- Maintained WIRR of 9.90 % for the portfolio held with product mix - New/ Refinance / Standard / non standard.
Sr. Area Business Manager
Mahindra & Mahindra Finance
Delhi NCR
05.2018 - 03.2022
- Started the construction equipment business of MMFSL in Delhi.
- Sourcing construction equipment business from Delhi NCR for standard assets only.
- During Covid, managed collections through follow-ups.
- Completed the repossession of critical accounts in the post-COVID period.
- Managed collection portfolio while overseeing team performance and repo-agency appointments.
- Conducted location searches for defaulter vehicles and machines via customer and dealer networks.
- Trained the Delhi CV team on the construction equipment portfolio.
- Achieved highest business volume in circle for FY 18-19 and FY 19-20.
- Generated Rs. 175 crore business volume within 22 months from the standard CE market.
Sr. Branch Head
HDB Financial
Anand Parbat & Tilak Nagar
06.2015 - 02.2022
- Achieved HIGHEST BUSINESS VOLUME IN THE ZONE FOR FY 2017-18.
- RANKED NO 1 BRANCH HEAD for SALES PRODUCTIVITY & MAINTAINED THE WIRR OF 22 % 2016 – 2017.
- Awarded for BEST BRANCH HEAD FOR THE MONTH OF JAN 17 & FEB 17 IN HIGHEST RETAIL BUSINESS NOS.
- Awarded for BEST BRANCH HEAD FOR THE MONTH OF JAN 17 & FEB 17 IN RETAIL HIGHEST BUSINESS VOLUMES.
- Awarded as TOP BRANCH HEAD (1st position) for business penetration from AUG-OCT 2016.
- Awarded for securing no 1 position as BRANCH MANAGER from AUG-OCT 2016.
- Awarded for securing BEST BRANCH HEAD POSITION IN RETAIL BUSINESS IN MAY 2016.
- Awarded AS BEST BRANCH HEAD IN TARGET VS ACHIEVEMENT UPTO NOV 2015.
- Awarded for best BH in LAP for DEC 2015.
- Awarded for BEST BRANCH HEAD FOR THE MONTH OF DEC 15 FOR HITTING CENTURY RETAIL BUSINESS NOS.
- Awarded for BEST BRANCH HEAD FOR THE MONTH OF DEC 15 for SALES, COLLECTION, OPERATION, CREDIT MANAGEMENT & PRODUCTIVITY.
- Had reduced the Branch delinquencies from 6 % to 2 %.
- Appreciated as best productive Branch Head in Delhi NCR for Sales, Credit, Operation & Collection.
State Head
L & T Finance Ltd
Delhi NCR
06.2015 - 12.2018
- Pivotal in reporting GNPA of 1 % for FY 2014-15.
- Managed the Portfolio Size of Rs. 800 Cr.
- Demonstrated excellence in performing critical repossessions that included: Conducting repossession of heavy equipment from Shajapur forest, Bhopal in 2014 of approximate value of 2 Cr.
- Performing average repossession of 30 vehicles/equipment per month of the allocated portfolio.
- Traced skipped NPA portfolio of 5 Cr & successfully repossessed from 2014 to 2015.
- Successfully managed the Repo Sale Management of the portfolio.
Manager
HDFC Bank
Delhi NCR
02.2007 - 12.2009
- Team of 5 Executive.
- Cross Sell: Cash Credit, Bank Guarantee, G I, L I, Letter of Credit.
- Customer Segments: Builders/Contractors for Road/Civil/Bridge/Marine construction.
- OEM/ Dealer Network: Sandvik Mining, Mait, Kalmark, Linde, SISCO, Atlas Copco, Sany Heavy Industry, Doosan, Daynapac, Greaves, Schwing Stetter, Volvo, JCB India Ltd., Escorts, TELCON, Kobelco, L&T Komatsu Terex Vectra, Akona, Ligong, Vermeer, Mait, Metso, AMW, APOLLO, ACE, etc.
- Merit of achieving sales volume of Rs. 5 Cr per month from Retail Market.
- Demonstrated excellence in generating LC Income of Rs. 30 Lac.
- Maintained Good OEM&Dealer penetration.
- Maintained NIL delinquency in portfolio added.
- Added RDS Project in the Bank portfolio.
Deputy Manager
Kotak Mahindra
11.2005 - 02.2007
- Products: Commercial Vehicle & Construction Equipment Finance.
Education
Executive MBA - Sales & Marketing
Amity
Noida2026
E-commerce - Programing in C & C ++ / Java
E Academy, ITL Education Solution Ltd.
Delhi2004
B.Com. -
Delhi University
Software Engineering -
ET&T
DelhiSkills
- Needs prioritization
- Resource management
- Clear communication
- Performance standards
- Quality service delivery
- Customer relationship management
- Trust building
- Expectation management
- Program oversight
- Organizational policy knowledge
- Procedural understanding
- Microsoft Office proficiency
- Deadline management
- Complaint resolution
- Strategic planning
- Customer focus
- Team building
- Sales strategy
- Business development
- Client acquisition
- Good Negotiation Skills for Direct and indirect Sales calls, cross sells
- Collection management
- Legal tools handling for collection
Custom Section
2022 - present : Axis Bank
2018 - 2022 : Mahindra F.
2015 - 2018 : HDB
2009 - 2015 : L & T Finance Ltd
2007 - 2009 : HDFC
2005 - 2007 : Kotak
Languages
Punjabi
Elementary
A2
English
Upper Intermediate
B2
Hindi
Intermediate
B1
Timeline
ASM
Axis Bank
03.2022 - Current
Sr. Area Business Manager
Mahindra & Mahindra Finance
05.2018 - 03.2022
Sr. Branch Head
HDB Financial
06.2015 - 02.2022
State Head
L & T Finance Ltd
06.2015 - 12.2018
Manager
HDFC Bank
02.2007 - 12.2009
Deputy Manager
Kotak Mahindra
11.2005 - 02.2007
Executive MBA - Sales & Marketing
Amity
E-commerce - Programing in C & C ++ / Java
E Academy, ITL Education Solution Ltd.
B.Com. -
Delhi University
Software Engineering -
ET&T