Summary
Overview
Work History
Education
Skills
Personal Information
Languages
Internshiptrainingcertifications
Summary
Timeline
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Kushagra Jain

Bangalore

Summary

Seasoned in steering substantial business growth, notably at SBI Cards & Payment Services Ltd, I excel in B2B solutions and strategic sales planning. My expertise spans enhancing profitability, driving enterprise sales, and fostering strategic alliances. Recognized for exceptional team leadership and achieving multifold growth, I bring a dynamic blend of hard and soft skills to surpass business objectives. Highly experienced Zone Leader with proven ability to manage large teams and oversee multiple operations simultaneously. Strengths in strategic planning, team building, and problem resolution have contributed significantly to operational efficiency in previous roles. Demonstrated success in improving productivity, reducing costs, and enhancing overall business performance.

Overview

21
21
years of professional experience

Work History

Zonal Head – Commercial Sales

SBI Cards & Payment Services Ltd
Bangalore
06.2020 - Current
  • Driving business growth across large and mid-market corporate in the Southern Region through consultative selling of payment solutions and corporate card products.
  • Delivered multifold growth in spends with focus on good quality acquisition in Corp card portfolio. Acquired new business to the tune of annual billing worth INR 25K CR
  • Created synergies with SBI Corp, Commercial Banking Group, and other group entities to create more opportunities for business growth.
  • Created Inroads in the startup Ecosystem leading to new business avenues/used cases for Corp Cards
  • Provide strategic guidance to team members along with tracking and reporting sales performance including pipeline, acquisition results and market conditions
  • Enhanced profitability of the portfolio by focusing on quality clients, controlling pricing, and ensuring timely repayment, minimal exposure in high-risk sectors, ensuring no NPAs
  • Analyzed market trends to identify potential expansion areas for business growth and improved profitability.

Chief Manager & Regional Sales Head

ICICI Bank Ltd
Bangalore
03.2015 - 05.2020
  • Shouldered additional responsibility of National Program Manager - Payment Solutions for FY-17-18
  • Managed Prepaid cards, CUG Payments & Electronic Toll Payments business for Karnataka Region
  • Delivered 10X growth on portfolio; enhanced overall profitability of the business by adding sustainable, cost-effective portfolio to add stability & continuity in business through recurring annuity /direct customer business.
  • besides de-risking the portfolio from financial losses
  • Maximizing sales opportunities by deepening of internal support system, creating new opportunities and achieving sales targets; developing & managing relationships with industry partners and working with them on business growth opportunities
  • Performing monthly sales forecasting and competitive analysis to identify ways to grow into current and additional markets and product categories
  • Managed the INR Prepaid business for annual budget planning, process enhancements, Sales support & portfolio monitoring towards creating the best in class payments business
  • Led Profitability improvement with selective measures across sales/service/ process improvement & cost control
  • Portfolio Management / Portfolio De-risking at PAN India level
  • Engaged in sales planning / budgeting & enablement of various support tools for salesforce

Relationship Manager – Commercial Payment Solution

HDFC Bank Ltd
12.2009 - 03.2015
  • Worked on large implementations of corporate T&E & purchase (travel) card programs
  • Delivered end-to-end solution for corporate’s T&E spends through sales/servicing/account management
  • Managed the customized solutions products portfolio for sales & accounts management for the region
  • Identified opportunities for creating payments ecosystems (E-Commerce/ Online interface) by offering custom made payment & receivable mechanism on the credit card/ payment gateway platform to corporate/organizations
  • Managed sourcing of corporate business for various products under commercial payments solutions like Corporate Cards/ Procurement/ Distribution/Aviation cards along with other customized programs
  • Enabled sales of High End Retail Cards/ Premium Cards of the bank in corporate & retail segment
  • Industrialized various industry specific portfolios across segments like Insurance/ Aviation/ Supply Chain Mgt
  • Created the Business Cards/Distribution Cards portfolio & built the most profitable portfolio in terms of contribution from managed portfolio / Risk Management / Limit utilization
  • Developed new avenues for business & improved on the existing sources through excellent service & relationship management across various verticals of the bank & other business partners/alliances

Relationship Manager – Workplace Banking

Barclays Bank Plc
10.2007 - 12.2009
  • Managed the workplace banking channel for the bank in Bangalore
  • Sourcing corporate relationships for salary accounts and current a/c for the bank
  • Developed cross-sell opportunities for various products like Deposit, Investments & Insurance services
  • Played a key role in setting up business sourcing in the given territory across products

Sales Manager – Acquisition

Citibank N. A.
04.2006 - 10.2007
  • Mapped & acquired High Net worth clients for bank’s privileged services; sold mutual funds/insurance and banking products to individual clients as well as business lending products to corporate clients and engaged in cross-selling Forex/ mortgage services to the customers
  • Displayed credentials in managing the retail liabilities encompassing personal banking & business banking acquisition entailing Citigold preferred banking, CitiBusiness (Current Account) and investment products

Territory Manager, Karnataka

Frontier Business Systems Pvt. Ltd.
07.2004 - 04.2006
  • Managed sales and services of Wipro-GE Medical Systems to Hospitals, Medical Institutes & Colleges across Karnataka
  • Taken initiative in selling the First ever High Reso
  • 4D Ultrasound system & High Frequency X-Ray Unit for Wipro GE

Sales-Consultant

Trident Automobiles Pvt. Ltd.
07.2003 - 07.2004
  • Accomplished sales target constantly month-on-month & conferred with award for being the Best Sales Performer of the month thrice in a year

Education

Post Graduate Diploma - Business Management

SCDL
Pune
01.2007

Bachelor of Business Management -

Garden City College
Bangalore
01.2003

Skills

  • Enterprise Sales
  • B2B Solutions Sales
  • Commercial Payment Solutions
  • Supplier/Vendor Payments
  • Statutory Payments
  • Travel & Entertainment
  • Credit Instruments
  • Prepaid Instruments
  • NFC Payment Solutions
  • RFID Payment Solutions
  • Payments Ecosystem
  • Issuance Business
  • Acquiring Business
  • End to End Solution Management
  • Expense Management Solutions
  • Electronic Toll Payments
  • Purchase Card Programs
  • Closed Loop Solutions
  • Reward & Recognition Management
  • Strategic Sales Planning
  • Sales Execution
  • Business Development
  • Profitability Improvement
  • Strategic Process Improvement
  • Client Service
  • Regulatory Compliance
  • Team Building
  • Goal Setting
  • Performance Management
  • Portfolio Management
  • Customer Service
  • Key Account Management
  • Strategic Alliance
  • Partnerships
  • Vendor Management
  • Channel Management

Personal Information

Date of Birth: 01/27/82

Languages

  • English
  • Hindi

Internshiptrainingcertifications

  • Dale Carnegie Certification for “High Impact Presentations”, 2022
  • Project/Internship at: Hindustan Coca-Cola Beverage Pvt. Ltd., Study of customer response and Sales of SUNFILL powdered drink., Objective of the project was to study and analyze the market potential of a powdered soft drink, followed by survey for the launch response of product in various areas taking the demographic and cultural conditions in consideration. Organization of sales promotion campaigns, advertising and retail chain management was studied. Project also covered the analysis of data generated during customer surveys and retailer’s response towards the product and its competition.

Summary

Seasoned Sales & Business development professional with 21 years of proven track of delivering effective leadership, team development & well-balanced business strategy resulting in enhanced sales productivity, sustainable business growth. Recognized for operational efficiency, effective recruitment, retention, team building & creating synergies., Experienced in Enterprise Sales, B2B Solutions Sales to Corporate clients., Hands On Experience in Commercial Payment Solutions in area of Supplier/Vendor Payments, Statutory Payments, Travel & Entertainment & other direct expenses of corporate., Expertise in Credit & Prepaid instruments, NFC & RFID based payment solutions., Experienced in Payments ecosystem, Issuance & Acquiring business, End to End Solution Management., Expense Management solutions for Corporate T&E Segment, Electronic Toll Payments business., Commercial Payment Solutions / Purchase Card programs for B2B Payments in SME Segment., Closed Loop Solutions, Reward & Recognition Management., Strategic Sales Planning & Execution in Corporate / Institutional Sales / Enterprise sales., Business Development & Profitability Improvement., Driving strategic process improvement, enhancing efficiency, client service & regulatory compliance., Team Building, Goal Setting & Performance Management., Portfolio Management; Customer Service/ Key Account Management., Strategic Alliance & Partnerships; Vendor / Channel Management.

Timeline

Zonal Head – Commercial Sales

SBI Cards & Payment Services Ltd
06.2020 - Current

Chief Manager & Regional Sales Head

ICICI Bank Ltd
03.2015 - 05.2020

Relationship Manager – Commercial Payment Solution

HDFC Bank Ltd
12.2009 - 03.2015

Relationship Manager – Workplace Banking

Barclays Bank Plc
10.2007 - 12.2009

Sales Manager – Acquisition

Citibank N. A.
04.2006 - 10.2007

Territory Manager, Karnataka

Frontier Business Systems Pvt. Ltd.
07.2004 - 04.2006

Sales-Consultant

Trident Automobiles Pvt. Ltd.
07.2003 - 07.2004

Post Graduate Diploma - Business Management

SCDL

Bachelor of Business Management -

Garden City College
Kushagra Jain