Indranil Mukherjee

• Building business and revenue scale from 0-1 in the past 7 months, AUM built till time is over INR 12Cr with Nil NPA,sub-10% bounce rates and account acquisition growth to a monthly average of 350.
• On boarded 3 major OEMs-Ather,TVS and Ola, subsequently expanding into their respective distribution in 30 locations.
• As an organizational strategy had benchmarked 20% secondary penetration on sales of electric 2 wheeler in markets with operational existence over 2 months, was able to reach to 15% levels in 1 major market and 11% overall, along with all markets below the operational vintage threshold.
• Implemented productivity benchmarks of field sales team and was able to achieve 70% of the parameter till time.
• Managing over 6 key accounts with Large sized retail partners which contribute to over 75% of the overall volume month on month.
• Reviewed and analyzed reports and sell records to obtain data required for planning Monthly operating plan in alignment with the annual operating plan.
• Executed appropriate staffing and budgetary plans to align with business forecasts.

• Launched the Electric 2 wheeler lending business line for the NBFC exclusively,post onboarding 3 major OEMs.
• Developed and implemented modifications for Instant approval in LOS and LMS which was built in house post collaborating with the tech stakeholders over a time period of 3 months.
• Post the change implementation,was able to drive deeper penetration into the designated territories of operations within the distribution network.
• Scaled disbursement 4X to INR 2.5Cr with average monthly acquisition to 350 accounts from an average of 60 accounts.
• Maintained portfolio health with below 2% NPA on overall portfolio and below 12% bounce rates.
• Scaled the team size from 0 to 30 Head counts with field productivity levels at 10 monthly average and FTE productivity levels above 100 monthly.
• Closure of Co lending MSA with 2 NBFCs for building 2Wheeler EV portfolio.
• Built an AUM of over INR18 Cr overall portfolio of electric 2W EV over a span of 15months.

• Scaled Urban Consumer Durable Finance Business in 40 locations and also expanded into 11 additional locations to sourcing monthly average of approximately 20k retail accounts amounting to almost INR 50 Cr business at an YOY growth of 15% in acquisition overall.
• Collaborated with 7 Key accounts-1 National and 4 Zonal key accounts to scale performance by 10% YOY and develop strategies to expand revenue generation for both stakeholders in terms of working capital product utilization to over 150% YOY and payouts.
• Achieved regional sales KRA by coordinating sales team , developing successful strategies, and servicing accounts to strengthen business relationships.
• Managed team of 30 FTE and 350 FOS in the regional sales team.
• Launched 11 ASSC locations as part of the organization's first phase of expansions as a pilot for CD Urban Sales vertical.

Notable Mentions:

• Was able to successfully launch Health EMI Card through Exotel calling during the country wise lockdown.
• Was able to successfully launch Exotel Collections module by Sales FOS during the lockdown phase for non moratorium opting customers.

• Successfully built in 4 Regional Key Accounts and 2 Zonal Key account in terms of volume contribution through outstanding customer service interactions with stakeholders.
• Reported sales YOY growth of over 35% and scaled account acquisition to 6000 monthly average and INR 12Cr volume.
• Increased the sales finance penetration on secondary sales to approximately 30% basis Working Capital and Distribution Management .
• The designated area-UP west was among the top growth contributors for FY 18-19 basis which 2 team members were promoted along with my own new assignment to heading a larger territory as a Regional Head.
• 97% collection efficiency level and below 10% bounce rates as a parameter for portfolio sourcing quality.

• Responsible for managing a team of 8 Digital Banking RM who were ensuring incremental transactions through the digital channel of the bank.
• Custodians of Cat D client book for all the mapped branches, and had to ensure maximum product holding and service hook penetration of the same client portfolio.
• Responsible for Inspection of dormant accounts in order to address any concerns regarding service or operational issue.
• Analyzing the CASA portfolio of the 'new to bank' client base of the region by ensuring monthly balance funding available in the account along with at least one or more client induced credit transaction in every account.
• Tracking, pitching and closing sales of cross sell products like Term deposits, General insurance, Investment accounts and consumer assets from the mapped client book of the region along with my team of Relationship Managers.

• Responsible for sourcing retail consumer loan accounts from open market at dealer points through POS Executives-scaled the average monthly acquisition for both locations to over 75% YOY.
• Managing end to end cycle of recruitment, training and proper tracking of all POS Executives once mapped to various POS.
• Daily tracking of finance sales penetration in overall retailer's sale portfolio, growing the same from below 5% secondary penetration levels to be at almost 20%.
• Reconcile all accounts at POS by month end to ensure no outstanding.
• Tracking 'Hygiene Parameters' captured by POS executives to ensure sourcing norms adhere to SOPs.
• Publishing necessary MIS to track performance of executives. Adhering and ensuring location's Non starter, FPD,SPD and TPD threshold, to be below permissable limits for ensuring best quality of lending.