Harshendu Thakkar

The main job responsibility being retail finance and inventory funding of car loans. In addition to that achieving market growth by closely watching and countering the competition and opening strategic, competitive/ new Direct Sales Agents thereby increasing market share.

• Handling manufacturer dealers (Outbound), Bank Branch (Inbound) and alternate channels in and around the location for car loans business sourcing .
• Disbursing on an average business of around 80 Cr. monthly and preserving around 9% of the market share.
• Appointing Direct sales team, training them, assigning targets and giving direction in achieving the same.
• Coordinating with other departments of Bank like Retail branch teams, operations, credit and collections.
• Managing and maintaining post disbursement documents like RC books, invoices etc as they are actual security of car loans.
• Promoting ICICI Lombard General Ins. (Motor Ins) by ensuring proper penetration with car loans and thereby generating fee income.
• Managing team of 4 RHS, 15 RMs and 40 off rolls sales executives.
• Handling collection of fresh bucket and non starter cases.

• Was Location Head Car Loans for Ahmedabad and North Gujarat based at Ahmedabad reporting to State Head, Gujarat
• Handling retail car loan portfolio of KMPL and generating business from Dealers, DSAs and Branch.
• Handling dealer funding of dealers.
• Grabbing an average business of around 20 Cr.
• Opening up new locations with business potentials.
• Handling corporate and HNI customers of bank directly for ensuring best services, their faith and support in us.
• Managing Team of 4 RMs and 21 Sales Executive.
• Managing Cross sell of Tata AIG GIC and Kotak Life Insurance (Loan Insurance) for additional Fee Income.

• Handling manufacturer dealers and alternate channels in and around the location for car loans, Personal loans, Home loan, Mortgage, Mutual fund, Insurance, Fix deposit, Credit card business sourcing.
• Promoting HDFC ERGO General Ins. by ensuring proper penetration with car loans and thereby generating fee income for Tata Capital Ltd.
• Promoting Tata Credit Card ( tie up with GE-SBI credit card) through cross sell.
• Managing team of 4 on RMs and 6Executives.

• Handling seven manufacturer dealers and eight alternate channels and DSTs in and around the location for car loans business sourcing
• Grabbing an average business of around 25 crores monthly preserving 35% of the market share.
• Managing and maintaining post disbursement documents like RC books, invoices etc as they are actual security of car loans.
• Cross Sell of ICICI Lombard GIC for Fee income.

• Overall responsibility for managing retail and institutional sales of films, optical and digital cameras, papers and chemicals and collection of sales.
• Contributing to an annual turnover of Rs 9 crore per annum.
• Supervising and controlling all the sales and marketing activities of the sales team of 4 sales rep., 1 institutional sales rep and 16 distributors in Ahmedabad and North Gujarat area.
• Manage and monitor inventory at CFA to ensure equitable distribution and availability of stocks across the territory.
• Handled most successful product launch of Kodak EC 300 camera and Kodak MAX 400 Celebration pack.
• Arranging workshops for Digital Cameras for Photographers and Amateur customers.

• Handled six distributors and eight direct dealers in North and Central Gujarat.
• Complying and meeting with the sales targets, work with a vision and focus to achieve the best.
• Constantly building dealer network after making all necessary enquires pertaining to probable dealers (assets, reputation for making payments, potential etc.) & effect on other dealers.
• Preparing the market audit that will help to know market share and competitor’s market share.

• Handled dealer’s network in Ahmedabad and Vadodara city markets.
• Demand generation through Architects, Interior Designers, Painting contractors and conducting meets/ workshops for them, crating product / brands awareness through painter meets, exhibition, hoardings, wall paintings etc.
• Customer accounting, sales accounting, sales budgeting and audit
• Most successful product launches of Color World, ACE, SATIN, T.E., and P.U.
• Monitor the inventory control at the dealers and depot level and thereby ensuring ready availability of stock as per the market demand.