KAPIL PANDYA

• Reviewed Inventory Funding requirement projections relating to business and industry trends and identified areas requiring improvement.
• Approved and qualified Retail FInance Schemes based on the requirement of Regions.
• Strategized on Channel FUnding procurement through banks and other financial institutions.
• Promoted finance products to customers and sales force to increase penetration.
• Evaluated and developed association with Banks, NBFCs, Cooperatives, RRBs to develop more options for retail financing.
• Drafted and confirmation of MOUs and Financial Arrangements across India.
• Developed & Managed relationships amongst different stakeholders including channel partners, banks, and internal stakeholders to set seamless operations.
• Guided teams regularly on the financial arrangements across India to promote consistent practices and learnings.
• Networking and relationship building with Top Management Team of the Banks/Non- banking financial institutions to gain insights and counsel them to build plans and schemes that will bring in more funding and also promote sales.
• Building policies, schemes, and streamlining processes in alignment with Top Management for business enhancement.
• Collection support to the organization through Retail Finance.
• Building tie-ups with Banks / Financiers for arranging working capital for dealers.
• Resolving conflicts with due consideration to the interest of different stakeholders.
• Facilitated the Financiers in RC/Portfolio-related issues and the dealers for scheme/operational issues.

Credit Management:

• Handing Credit Management for LCV Division.
• Credit approvals and repayment.
• Maintaining Stock Audit.
• Fund Mismatch Monitoring.

Insurance

• New Product validations
• Strategic decisions related to partnerships.
• Shortlist of insurance partners.
• validate contract terms.
• Validate commercial decisions.
• Profitability of Insurance and services contracts.
• Provide decision making inputs for insurance coverage within the group

Network Development & Manpower Management:

• Dealership network planning, preparing the business model in line the network plan of the company.
• Handled the complete process- Scouting, Documentation, Civil work, manpower, IT infrastructure, Due Diligence of dealer applicants, preparation & signing of LOI.
• Arranging for the Commencement of Business (COB) including…

1. Land & Site finalization,

2. Showroom & Workshop Drawing Layouts, Construction,

3. Recruitment of Manpower, Develop and implements a plan of Induction, Orientation and Training of newly-signed Dealerships and Staff Training,

4. Ensuring Working Capital arrangements. Dealer Agreements and other associated contractual documents.

• Supervised Network development activities and performed tasks such as:

1. Developing strategies for deeper penetration, Planning & implementation of correct CI.

2. Evaluation of network proposal, Co-ordination & implementation for annual plan of location check, Interview, presentation, LOI and inauguration to achieve final network target.

3. Plan & control of LOI issuance, inauguration progress in close co-ordination with sales team.

4. Plan & control on dealer code generation & follow up with commercial for vehicle load & part dispatch.

5. All upcoming dealer financial check control for timely LOI issuance & inauguration process.

6. Periodic dealer evaluation & control and suggest for improvement parameters for better customer satisfaction.

7. Dealer manpower recruitment & training in co-ordination with sales team & training section.

8. Departmental TQBM audit & control, Close co-ordination with legal for dealer agreements.

Customer Experience:

CSI & SSI Score management and action plan implementation

Retail, Channel Finance & Insurance:

Finalize & execute working capital requirements based on annual business plan, Fund Gap management, Retail Finance schemes implementation, new tie ups, Financier relationship management, Insurance penetration

Position Summary:

• Managed all aspects of Channel Finance relationships, Retail Finance Relationships, Credit & Collection Management, Audits, Insurance Relationships, New Institution Tie ups, and

Manpower training in the field of Key Accounts Management, retail Finance & Insurance for the Region.

• In order to enable incremental volume growth and ensure credit lines are available for dealers through banks to ensure smooth business functioning and target achievement.
• Evaluate new dealer application on financial parameters
• Handled West Zone Gujarat, Mumbai, ROM, MP markets with INF portfolio of 300 Cr & 74 dealers

• Drived Sales for Gujarat through a team of 4 on roll Area In charge & 30 Outsource FOS.
• Trained and counseled sales team on presentation skills, selling tactics, customer service, and relationship building techniques.
• Responsible for achievement of the revenue target set for the product (in terms of value or volume, IRR etc) along with acquisition of the desired customer segment. As per target/revenue sheet allocated
• Does segmentation and target marketing.
• Makes recommendations for modifications to product and credit policies.
• Micro marketing initiatives for lead generation and awareness
• Maintained COA at desired level through increasing Efficiency & productivity.
• Maintained IRR & PF to generate revenue
• Handled Entire Gujarat for Yamaha Dealerships ,Managing 18 Dealer Channels.
• Ensured Quality of Two Wheeler Loan portfolio by quality sourcing.
• Strategized for entering new markets and plan business for proposed markets.
• Planning & developing sales promotional & Marketing plan to increase finance penetration for entire Gujarat.
• Ensured sizable market share for 2 wheeler finance.

Channel Manager-Ahmadabad Jan 08 to April 10

Responsible for ensuring acquisition of the set target in terms of value value/volume of loans per DSA.Developing marketing strategies to build consumer preference and driving volumes

Two Wheeler Loans – Top Markets-Baroda & spokes

• Strategized for entering new markets and plan business for proposed markets.
• Successfully increased market share to 52%.
• Handled & developed Dealers, Sub dealers’ network, DSA & DST network.
• Managed the entire gamut of cross sale of bank's products such as Lombard general insurance, saving A/c, current A/c