Kalpeshkumar Panchal
Mumbai
Summary
Aiming to excel in the banking industry by leveraging managerial and analytical skills, including problem-solving, team handling, and networking, to drive organizational growth and personal development.
Overview
13
13
years of professional experience
Work History
Senior Manager
IDFC First Bank Limited, Mumbai
11.2023 - Current
- Core Responsibilities:
- Drive Tractor Loan Growth: Implement targeted marketing and analytical strategies to significantly increase tractor loan value and business growth.
- Job Role:
- Portfolio/Product Management: Collaborate with departments to coordinate and field employees. Collaboration and assist sales & business Managers to support business development or sales improvement activities. Wholesale funding (Trade Advance) approvals to the PAN India dealerships based on their eligibility. Handled >1100 crore average disbursement and monitored various portfolio parameters.
- New Product Initiatives: Working on new Product launching/Digital project in Used Tractor loans, Salesforce migration to extend market offering and enhance product capabilities.
- Incentive/Payout: Managed monthly dealer and DSE payout/incentive, including calculation, validation, invoice generation, and processing, with a focus on error-free execution. Maintained detailed records of payout variances, investigated root causes, and coordinated with finance and sales teams to resolve issues.
- Service Improvement: Managing digital & automation project including requirement gathering, tracking project progress, conducting User Acceptance Testing (UAT), deployment, training and post-implementation support to enhance efficiency and streamline banking operation in Salesforce and FinnOne.
- Marketing Activities: Collaborated with the marketing team to develop and execute promotional materials and activities based on market and field team feedback, driving product visibility and engagement.
- OEM Relationship Management: Managed coordination with OEMs to facilitate the exchange of necessary databases between manufacturers and financiers, ensuring seamless operational integration.
- Review: Prepare monthly and quarterly business review to highlight and recommendation to senior management.
- Reports: Release Various Reports to management and Sales team on a periodic basis. Such as review report, Dashboard, hygiene report like PDD, Business reports like department fee income, POS, Disbursement cases and Digital adoption.
- Department: Agri Product - Tractor Loan & Farm Equipment
- Role: Product Manager
Senior Manager
Kotak Mahindra Bank Limited, Mumbai
09.2019 - 11.2023
- Core Responsibilities:
- To drive Commercial Vehicle Loan value business growth across through various marketing and Analytical techniques.
- Job Role:
- Conducted monthly Branch reviews on CV business with the head, evaluating disbursements, margins, fee income, and hygiene factors.
- Led budgeting and planning initiatives to align sales team performance with organizational goals.
- Design and computation of scorecards of all sales team based off their predefined KRAs.
- Drive in growth of Cross-sell products such as Insurance (Life & Health), CMS, CASA & other Loans (Agri, CE).
- Release Various MIS to management and Sales team on a periodic basis. Such as review report, hygiene report like PDD, Business reports like department fee income, Topline, Sanctioned, Disbursement cases and Digital adoption reports.
- Follow up with RMs / Regional heads for updated feedback on weekly basis for PNPA cases, delinquency cases and OOO (out of order) cases etc.
- Worked on special project like ECLGS, Moratorium and Current account activity vide RBI circular.
- Initiated Digital Project RM 360 dashboard digitally view, closely work with BSG team to implement multiple Digital projects. Developed and implement digital project and monitor progress.
- Department: Commercial Vehicle Loan – Working Capital
- Role: Product Manager
Deputy Manager
Axis Bank, Mumbai
12.2015 - 09.2019
- Core Responsibilities:
- To drive business growth through various marking & analytical techniques
- Job Role:
- Publishing PNPA reports on weekly basis, Publishing various Collection Reports.
- Follow up with collection managers for updated feedback on irregular accounts/PNPA Accounts on weekly basis.
- Compiled and reported on departmental income, topline, sanctions, and disbursements, ensuring accurate and timely business reports while coordinating with support teams nationwide.
- Facilitated development of updating of Employee officials ID to the respective customers in system, taking care of automation activities in data collection & analysis to improve the quality of the data.
- Department: SME – Collection Strategy and Analytics
Assistance Manager
Kotak Mahindra Bank Limited, Mumbai
05.2013 - 12.2015
- Core Responsibilities:
- To drive Financial Inclusion value business growth across through various Analytical techniques.
- Job Role:
- To drive in growth of Pradhan Mantri Jan Dhan Yojana product
- Preparing RBI Reports of Pan India (State Wise & Branch wise) for measuring Monthly delinquency trend for financial inclusion. Also Prepare, Provisioning, FI Dashboard and Disaggregation report.
- Managing & monitoring the compliance to regulatory requirements as mandated by RBI regarding financial inclusion
- Department: RL – Household Product & Financial Inclusion
Back office executive
Kotak Mahindra Bank Limited, Mumbai
09.2012 - 05.2013
- Core Responsibility:
- Processing Vendor payments
- Job Role:
- Processed DRA incentive payments, managed collections, repossessions, and advocate payments according to approved fee structures and schemes
- Updated agreements for collection agencies, repossession, RTO, valuation, publication, and advocate empanelment, while coordinating with the Central Processing Division to resolve payment-related queries.
- Department: Retail ARD – Vendor Payment
Education
MBA - Finance
Welingkar Institute (We School)
03-2016
B.Com -
Chenai College
03-2012
Skills
- Strategic planning
- Cross-functional collaboration
- Operations management
- Cross-functional team coordination
PERSONAL VITAE
- Date of Birth: 07/02/1990
- Marital Status: Married
- Strengths: 1) Good Interpersonal Skills 2) Inquisitive to learn 3) Leadership Skills 4) Team player
Languages
English
Hindi
Marathi
Gujarati
Timeline
Senior Manager
IDFC First Bank Limited, Mumbai
11.2023 - Current
Senior Manager
Kotak Mahindra Bank Limited, Mumbai
09.2019 - 11.2023
Deputy Manager
Axis Bank, Mumbai
12.2015 - 09.2019
Assistance Manager
Kotak Mahindra Bank Limited, Mumbai
05.2013 - 12.2015
Back office executive
Kotak Mahindra Bank Limited, Mumbai
09.2012 - 05.2013
MBA - Finance
Welingkar Institute (We School)
B.Com -
Chenai College