LOVISH SHARMA

Area Sales Manager

SBI CARD

FARIDABAD

06.2023 - Current

Enhanced credit card sales performance through management of team of sales executives positioned at State Bank of India branches and consistent utilization of open market sourcing for significant growth
Achieved the highest business-to-date (BTD) performance in the assigned region, booking a record number of accounts in January 2025, demonstrating exceptional sales capability.
Maintained a monthly average of 500 new accounts, with a premium product penetration rate exceeding 27%, contributing to sustained revenue growth and market share expansion.
Enhanced the approval rate from 40% to 65% by refining customer profiling processes, improving sourcing efficiency, boosting productivity, and reducing the cost of acquisition (COA).
Led the organization's goal in e-sign application adoption, surpassing 70% penetration, which streamlined decision-making, reduced turnaround times (TAT), and lowered operational and logistics costs.
Generated additional revenue by driving higher penetration of Card Protection Plans (CPP) and add-on card services, increasing overall customer value.
Managed a team of approximately 65 employees, overseeing recruitment, training, and performance development within the Non-Full-Time Employee (NFTE) hierarchy, ensuring optimal sales force performance.
Pioneered bulk carding initiatives through partnerships with multinational corporations, government organizations, and educational institutions, driving credit card adoption under Corporate Salary Package (CSP) accounts.
Ensured compliant sourcing at all operational levels, upheld a zero-tolerance policy for mis-selling, and safeguarded the organization's reputation.
Provided VIP-level service to high-net-worth individuals (HNIs), effectively managing customer grievances, and ensuring prompt resolution through appropriate channels.
Cultivated strong relationships with State Bank of India stakeholders, serving as the key point of contact for operational issues, and keeping branches informed of critical business developments.
Managed relationships with six PSAs/business service providers, addressing and resolving issues related to recruitment, staffing, compensation, and operational effectiveness at the NFTE level.