Jay Pathak

Channel Management:

Responsible for Creation of new sourcing channels and managing multiple channels to expand the target market, Managing Credit Card & Personal Loan for Gujarat & Chhattisgarh region through DSA and Online Channel.

Managing & Implementing affective store deployments with Co-brands partners like Shoppers Stop, Indian Oil & Samsung.

Leading & Managing performance of a team of 40 Sales Executives to deliver & achieve plan numbers.

Scaled Average Business Volume of 150 Cards(July'20) to 850 Cards(Jan'23).

Maintained Avg Boarding Rate of 18.70% against country avg of 13.50% in Personal Loans.

Catalyzed a significant increase in customer satisfaction ratings by coaching sales associates in product specifications, sales incentives and selling techniques.

To forge partnerships with corporate's for achieving incremental sales volumes through deployments.

Ensuring adherence to Compliance Guidelines & Audits, Satisfactory ratings for all external & internal audits.

Managed Personal Loans - DSA Channel for Ahmedabad region. Onboarding New Agencies on Banks Platform.

Deliver month on month targets on Personal Loan and Portfolio Health.

Engage with CPA and Credit Manager to resolve any Clarification / additional inputs from clients for CAM presentation.

Manage Client Origination in line with Organization Policies.

Driving and managing the entire sales process – targeting to top prospects, identifying client solutions, negotiating and closing.

Ideate strategies to channelize sales of Business Loans in the allocated areas of Ahmedabad and North Gujarat.

Achieved Highest penetration of Business Loan in Gujarat Region.

Held charge of collecting unpaid accounts by applying legal channels for Repayment.

Worked with TCS on below projects:

1) Valliant Group- Account Payable 1st of Oct. 2014 to 23rd Oct.2015

Managing the Account Payable process which invoices received for the Valliant Group (Germany Base).

Taking care on time invoice process with in TAT.

Ensuring compliance with audit queries.

2) CITI Bank – Billing Analytics (Global) 1st of Oct. 2013 to 31st June 2014

Managing the Billing Analytics Process which involves receiving the billing related data of various Clients across the globe and preparation of Monthly Global Billing Statements.

Generate & supervise preparation of metrics and analysis.

Ensuring compliance with audit queries.

3) HSBC Cards, PIL and Personal Line of Credit – Debt Management

Achieving collection targets of the assigned portfolio, meeting the Target on Cost of Collections

Ensuring compliance with audit queries

Fixing productivity parameters for Collection Officers / Agencies

Monitoring performance against set parameters

Managing Personal Loan Channel Sales - DSA, DST & Inhouse Team.

Managing Team of 150 DSA & DST executives, driving volume through Open Marketing Sourcing.

Maintained COA within permitted budget.

Facilitated continuous recruitment of FOS, Telesales Executives, Team Leaders & Unit Managers for the channel expansion.

Handled Portfolio Collection for Ahmedabad & Baroda Region.

Personal Loan - Retail Assets Division : was handling staff officers in 3 locations of Gujarat and directly reported to Area Sales Manager.