Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Timeline
Generic
Kumar Vazirani

Kumar Vazirani

Regional Manager - Product & Portfolio (Unsecured Assets)
Ahmedabad

Summary

Over 16+ years of experience in corporate positions, including team and leadership roles in management capacity within the banking industry, including branch management. Expertise in strengthening internal controls to improve profit and loss responsibility, customer relationship, controlling expenditures, increasing sales, improving team performance, all activities of personnel supervision and management, Effectively use an empowering, participatory management style that encourages accountability, teamwork, continuous improvement, and results. Multi-faceted Regional Sales Manager promoting excellent record of meeting company-defined quotas through exceptional sales strategy. Mentors employees to develop top-performing team members. 16+ year progressive career background combined with dedication to corporate growth and development.

Overview

15
15
years of professional experience
4
4
years of post-secondary education
4
4
Certifications
4
4
Languages

Work History

Regional Manager Product & Portfolio - Credit Card

Yes Bank Ltd
Ahmedabad
05.2023 - Current
  • Administered direct team size of 10 SM's /ASM & DST of 69, with 15 years of experience in leading teams of individuals and guiding them to perform their tasks with a proven track record of successfully increasing productivity to 22 cards
  • Improving cost efficiency by 1900 to 1700 Per card with in 5 Mths duration. Keeping the branch channel concept of activation of employees (Taking it from 17% to 31%) & considering the target to lowering down the cost to 1200 in 1st financial year
  • Managing overall branch channel size of 76 Branches in Urban & 31 branches in rural location.
  • Leveraged profit opportunities by recruiting top talent and managing brand image to exceed plan performance.
  • Worked diligently to resolve unique and recurring complaints, promoting loyalty, and enhancing operations.

Regional Sales Manager (DVP-2)

Indusind Bank Ltd.
West-2 (Gujarat & MP)
12.2021 - 05.2023
  • Supervise direct sales staff of 10 (Sm / ASM) communicate job expectations and provide direction, support, and motivation to team to meet agreed sales targets and KPI lines
  • Improve and maintain operational and profit objectives Keeping COA near or less than 900 Per Card, in sales monthly within zone, implement company business plan and provide information for future improvement to Sales manager
  • Responsible for resolving problems; identifying and analyzing market trends; monitoring competitor activities
  • Dealt with customer queries; analyzed precise ongoing market analysis and valuation of competitors, looking for unique ways to enhance sales
  • Drove operational improvements which resulted in savings and improved profit margins.

Regional Head Sales (CM-I) Credit Cards

ICICI Bank Ltd.
Ahmedabad (Branch & Bundling HL +AL)
07.2021 - 12.2021
  • Increased my Per Unit / Per BAM approved accounts from 23 to 31 Accounts first 2 months with better recruitment. Further are parameters on which I excelled in
  • No. Of units of Credit Card
  • Lower COA Basis lower cost of Hiring & High Productivity
  • Managing the PPOP for enhanced Profit by promoting more Self sourcing by Branch Channel Rather assisted sourcing.
  • Cultivated a strong bonding with Branch Heads, Channel Partners (Auto Loan / Home Loan RHS & RH), Branch Regional heads & Cross functional heads to support incremental business.
  • Also promoted Liability business during tough times of Covid by educating & motivation team for sourcing of FD’s, Savings account & General Insurance.
  • Promoted to be part of several business enhancement assignments – by working with BLG Team, Fastag Team

SM to ASM to RSM-Unsecured Assets - CC & PL

Indusind Bank Ltd.
West-2 (Gujarat & MP)
12.2014 - 06.2021
  • Learned new skills and applied to daily tasks to improve efficiency and productivity.
  • Increased my Per Unit / Per BAM approved accounts from 18 to 26 Accounts first 6 months.
  • Cultivated a strong bonding with Branch Heads, Channel Partners, Regional heads & Cross functional heads to support incremental business.
  • Achieved growth from Avg. revenue of 65 Lacs (Apr’18 to Sep’18) to 90 Lacs in Month of Oct’18.
  • Avg Revenue growth from Apr’18 for West-2 (Gujrata & MP) raised from 65 Lacs to Best ever in Mar’19 to 1.62 Cr.
  • Also raised the BAR of self-productivity of Branch Acquisition Managers from 4 to 16 Approved with Overall productivity to 28 cards (Including branch applications)
  • Brought Disbursement value Of Personal Loan from Avg. of 11 Lacs to 53 Lacs.With Best being Nov’17 with 1.03 Cr.
  • Incremental Business Of application sourced in Jan’15 of 145 Apps (90 Accounts) to No. of Applications sourced in Jan’18 of 1020 Apps (726 Accounts).
  • Also Qualified for Hong Kong Macau Trip for Best Performer for Q-4 (PAN India) Top 5 SM’s, Where I Stood as 2nd SM
  • Also received recognition for Best ASM for Ahmedabad for Avg. Branch Revenue of 1.6 Lacs per branch - PAN India

Business Development Manager

Shree Bharat Furniture
Adipur (Kutch) Gujarat
04.2013 - 12.2014
  • Develop plans, elevations, cross sections and detailed drawings, and advise on selection of colors, finishes and materials, floor and wall coverings, interior and exterior lighting, furniture and other items, taking into account ergonomic and occupational health standards.
  • Represented as a sales manager & archived a growth from avg sales of 4 lacs in year 2013 to till date of 12.5 lacs till Jun 2014.

PRM (Portfolio Relationship Manager)

HDFC Bank Ltd
Gandhidham - Kutch (Gujarat)
11.2012 - 02.2013
  • Boosted volumes from 46 Current accounts to 68 Accounts within time span of 4 months.
  • Significantly increased sales from 0 cards to 42 cards through strategic & new accounts.
  • Had expertise in complex operational and risk management policies and procedures.
  • Develop investment relationships with fixed annuities, variable annuities, and mutual funds sales.
  • Raised portfolio volumes in fixed deposit from value of 30 K to 1.5 lacs in a month.

Area Sales Manager - Credit Cards

G E Capital & SBI Credit Card
Ahmedabad, Gujarat
06.2010 - 08.2012
  • Boosted volumes from 125 cards in Jul' 2010 to 400+ cards in first 8 months.
  • Significantly increased sales from 150 cards to 600+ cards through strategic & new Branch Manning.
  • Raised team from 11 executives to 34 executives through standard recruitment process. Also raised their efficiency by time to time motivation & proper incentive plans at a saturation time.
  • Rigorous branch visits help me to build the face value & strengthen the relationships with Branch Managers, AGM's & DGM's of State Bank of India.
  • Raised No. of Manned branches from 16 branches to 59 branches in 4 different regions in Gujarat
  • Have also worked on Project town, looking forward to Salary accounts maintained with State Bank of India in Semi-Rural regions i.e. Gandhidham (Kandla Port Trust, IOC & Customs) , Jamnagar ( Thermal Power Station, Reliance, Air force, Army ), Junagadh ( BSNL, Junagadh Agricultural university ), Mehsana (ONGC, CRPF), Bhuj (DSP).

Assistant Manager (Collections)

G E Capital & SBI Credit Card
Kolkata
05.2008 - 06.2010
  • Recognized for directing the team consistently ranked as #2 for maintaining the lowest delinquency rate among 5 other Metro cities.
  • Restructured the collectors Bonus plan to better meet the company delinquency goal
  • Corrected attendance issues in flow stage by helping to restructure the agency.
  • Honored as Star Manager of the month in Flow stage.
  • Being a team, brought down the portfolio of GCL bucket from 14.7 Cr in 2008 to 3.98 Cr. In 2010.
  • Handled the highest portfolio of 4.8 Cr. In GCL bucket
  • Brought collection efficiency from resolution of 24 % in 2008 to 71 % in 2010 to the collection portfolio handled by my team.

Education

MBA - Major Finance & Minor in Banking

Institute of Chartered Financial Analysts of India
Indore (MP)
05.2006 - 04.2008

B. Com - Accounts & Finance

Tolani Commerce College
Gandhidham (Kutch)
04.2003 - 03.2005

Skills

    Sales trend analysis

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Accomplishments

  • Elite Award, G E Capital & SBI Credit Cards, Kolkata, 2010 to 2008 - Examined and analyzed collection Activities throughout industry, banks, expenditures for skip cases so as to trace the delinquent customers.
  • Platinum World Cup 2011 (Man of the Match Award), G E Capital & SBI Credit Cards, Ahmedabad (Gujarat-India), 2011 to 2011 - Delivered a 70% increase in Platinum account referrals

Certification

Best Performance for the month of April 2012

Timeline

Regional Manager Product & Portfolio - Credit Card

Yes Bank Ltd
05.2023 - Current

Regional Sales Manager (DVP-2)

Indusind Bank Ltd.
12.2021 - 05.2023

Regional Head Sales (CM-I) Credit Cards

ICICI Bank Ltd.
07.2021 - 12.2021

Best RSM & Zone for Approval Rate & Quality "The Final Battle"

01-2020

Best SM / ASM Category award (Aug’16) for Avg. Revenue from Desired Branch of Rs. 1.6 Lacs PAN India

08-2016

SM to ASM to RSM-Unsecured Assets - CC & PL

Indusind Bank Ltd.
12.2014 - 06.2021

Business Development Manager

Shree Bharat Furniture
04.2013 - 12.2014

PRM (Portfolio Relationship Manager)

HDFC Bank Ltd
11.2012 - 02.2013

Highest # of cards booked for the month of June 2012

06-2012

Best Performance for the month of April 2012

04-2012

Area Sales Manager - Credit Cards

G E Capital & SBI Credit Card
06.2010 - 08.2012

Assistant Manager (Collections)

G E Capital & SBI Credit Card
05.2008 - 06.2010

MBA - Major Finance & Minor in Banking

Institute of Chartered Financial Analysts of India
05.2006 - 04.2008

B. Com - Accounts & Finance

Tolani Commerce College
04.2003 - 03.2005

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Kumar VaziraniRegional Manager - Product & Portfolio (Unsecured Assets)