Harshal Kale
Ahmednagar
Summary
Dynamic and results-oriented banking and finance professional with over 6 years of robust experience driving high-volume retail asset disbursements across Maharashtra. Demonstrated expertise in managing and expanding outbound DSA channels focused on personal and business loans, consistently achieving ₹5-6 crore monthly disbursement targets. Adept at building and nurturing partner relationships, streamlining coordination across credit and operations teams, and leading sales strategies that foster revenue growth and market expansion. Known for strong ownership, consistent high performance under pressure, and delivering value in competitive financial environments.
Overview
7
7
years of professional experience
1
1
Certification
Work History
SALES MANAGER (M1)
Saraswat Bank LTD
Ahmednagar
04.2025 - Current
• Managed retail asset sales, focusing on micro business loan products through the DSA channel.
• Maintained and expanded relationships with DSAs by identifying partner needs, and providing tailored solutions.
• Implemented effective sales strategies that maintained a consistent business flow.
Relationship Manager (DM1)
ICICI Bank LTD
Chh. Sambhaji Nagar (Aurangabad)
07.2023 - 04.2025
• Managed PAN Maharashtra Outbound DSA Channel operations for Personal Loan and Business Loan products from the Regional Office.
• Consistently achieved ₹5-6 Cr monthly disbursement across multiple locations in Maharashtra.
• Strengthened existing DSA partnerships and onboarded new DSAs in open markets.
• Served as the single point of contact (SPOC) between DSAs, Credit, and Operations teams to ensure quick issue resolution, and customer satisfaction.
• Promoted internally from Senior Loan Officer to Deputy Manager (DM1) based on outstanding performance.
• Conducted market research to identify new business opportunities, contributing to revenue growth.
Senior Loan Officer
Capri Global Capital LTD
09.2021 - 09.2022
- Gold Appraiser and Branch Operations.
- Cash handling, compliance handling.
- Responsible for Gold Audit.
Senior Loan Officer
India lnfoline Finance Limited
Koporgoon
01.2021 - 09.2021
- Gold Appraiser and Branch Operations.
- Cash Handling, Compliance Handling.
- Responsible for Gold Audit.
Sales Officer, Senior Officer
ICICI BANK
Koporgaon
01.2019 - 01.2021
- Hand King the sales of retail Asset Personal loan Business Loan produc Is.
- Increasing the Existing Relationship value from the ex isting custo mer.
- Building new relationshipscwith ustomers in an open market.
- To kee p a check on the daily visit of promotion ol executives on the field and their daily soles.
- Responsible for archiving mon thly given targets.
- Cross So ie other detail Bonding products.
Education
Bachelor Of Science - Chemistry
Savitribai Phule Pune University
Pune10-2017
Higher Secondary Certificate (HSC) - Science, Minor in Electronics Science
Maharashtra State Board Of Secondary And Higher Secondary Education
Pune01.2011
Secondary School Certificate (SSC) -
Maharashtra State Board Of Secondary And Higher Secondary Education
Pune01.2009
Skills
- Microsoft Excel
- Team leadership
- Negotiation skills
- Team monitoring and leadership
- Quick learner of software and IT tools
- Sales methodologies
- DSA management
- Customer acquisition and retention
- Pipeline and disbursement management
Certification
Disbursement Superstar, ICICI Bank, 01/2021.
Languages
Marathi
Advanced (C1)
C1
Hindi
Advanced (C1)
C1
English
Advanced (C1)
C1
Timeline
SALES MANAGER (M1)
Saraswat Bank LTD
04.2025 - Current
Relationship Manager (DM1)
ICICI Bank LTD
07.2023 - 04.2025
Senior Loan Officer
Capri Global Capital LTD
09.2021 - 09.2022
Senior Loan Officer
India lnfoline Finance Limited
01.2021 - 09.2021
Sales Officer, Senior Officer
ICICI BANK
01.2019 - 01.2021
Bachelor Of Science - Chemistry
Savitribai Phule Pune University
Higher Secondary Certificate (HSC) - Science, Minor in Electronics Science
Maharashtra State Board Of Secondary And Higher Secondary Education
Secondary School Certificate (SSC) -
Maharashtra State Board Of Secondary And Higher Secondary Education