Manik Lal Jhariya
Jabalpur
Summary
Seeking assignments in Business Development / Sales and Marketing / Customer Relationship Management within organization of high repute.
Overview
2
2
Languages
16
16
years of professional experience
Work History
Branch Manager
KIFS Housing Finance Ltd.
02.2026 - Current
- Achieve Cluster targets of outreach, portfolio volume and portfolio quality
- Business and financial management and ensure to manage loan amount disbursal, portfolio quality, profitability and diversification of portfolio mix.
- People and team management to employee development, employee engagement and problem handling.
- Coordinating with Sales & credit team for quick processing and disbursal of the loan.
- Ensure market development, business channel interaction and problem solving on field
- Ensure adherence to policy and process correcting procedural flaws and manage proper documentation, support to branch in troubleshooting field problem
- Communicate in detail any changes in policy in a positive and comprehensive manner to the branch team
- Identifying designing and implementing improvement as well
- Analyzing customer needs and suggesting him the best product.
- Duration:- 02 Feb.2026 to till Date
- Responsibilities:-
Cluster Sales Manager – (Senior Manager – Retails)
Piramal Capital & Housing Finance Ltd.
09.2024 - 07.2025
- Business and financial management and ensure to manage loan amount disbursal, portfolio quality, profitability and diversification of portfolio mix.
- People and team management to employee development, employee engagement and problem handling.
- Ensure market development, business channel interaction and problem solving on field
- Coordinating with Sales & credit team for quick processing and disbursal of the loan.
- Products of Mortgage Loan, Housing Loan & LAP, P+C, New Purchase Team Handling and Motivation team Business and Sales.
- Analyzing customer needs and suggesting him the best product.
- Ensure adherence to policy and process correcting procedural flaws and manage proper documentation, support to branch in troubleshooting field problem
- Identifying designing and implementing improvement as well
- Daily plan activities at Branch Team through Sales, Collection and Operation, Credit Team.
- Duration:- 23 Sep.2024 to 24 July 2025
- Region : Mahakoushal (Jabalpur) &CG
- Branch :- Jabalpur , Chhindwara , Satna, Rewa, Shahdol
- Responsibilities:-
- Developed and implemented sales strategies that enhanced market penetration and customer engagement.
- Led a high-performing sales team, fostering collaboration to achieve quarterly revenue targets.
- Analyzed market trends and consumer behaviors to optimize product offerings and pricing strategies.
- Established strong relationships with key clients, resulting in increased loyalty and repeat business.
Cluster Business Head
Vastu Housing Finance Corporation LTD.
08.2022 - 09.2024
- Achieve Cluster targets of outreach, portfolio volume and portfolio quality
- Business and financial management and ensure to manage loan amount disbursal, portfolio quality, profitability and diversification of portfolio mix.
- People and team management to employee development, employee engagement and problem handling.
- Coordinating with Sales & credit team for quick processing and disbursal of the loan.
- Ensure market development, business channel interaction and problem solving on field
- Communicate in detail any changes in policy in a positive and comprehensive manner to the branch team
- Ensure adherence to policy and process correcting procedural flaws and manage proper documentation, support to branch in troubleshooting field problem
- Analyzing customer needs and suggesting him the best product.
- Duration:- 02Augst.2022 to 16 Sep.2024
- Region : Mahakoushal (Jabalpur) &CG
- Spoke Location :- , Panna , Balaghat , Mandla ,Seoni , Katni
- Responsibilities:-
Cluster Business Head
Hinduja Housing Finance Limited
07.2020 - 07.2022
- Achieve Cluster targets of outreach, portfolio volume and portfolio quality
- Products of Mortgage Loan, Housing Loan & LAP, P+C, New Purchase Team Handling and Motivation team Business and Sales.
- Analyzing customer needs and suggesting him the best product.
- Coordinating with Sales & credit team for quick processing and disbursal of the loan.
- Daily plan activities at Branch Team through Sales, Collection and Operation Team.
- Duration: 21July 2020 To 31 July 2022
- Location: Jabalpur MP
- Area :- Jabalpur , Narshinghpur, Seoni , Balaghat, Chhindwara ,Mandla , Dindori
- Responsibilities:-
Branch Manager
Five Star Business Finance Limited
06.2019 - 03.2020
- Achieve branch targets of outreach, portfolio volume and portfolio quality for both existing and new products and services as per agreed targets month on month
- Daily plan activities at Branch through Sales, Collection and Operation Team.
- Analyzing customer needs and suggesting him the best product. Coordinating with credit team for quick processing and disbursal of the loan.
- Products of Mortgage Loan , Housing Loan & LAP Team Handling and Motivation team Business and Sales.
- Duration :- 15 June 2019 to 31 March 2020
- Outlined specific job responsibilities and tasks.
Assistant Branch Manager
IDFC First Bank Ltd.
12.2015 - 06.2019
- Achieve branch targets of outreach, portfolio volume and portfolio quality for both existing and new products And services as per agreed targets month on month.
- Analyzing customer needs and suggesting him the best product. Coordinating with credit team for quick processing and disbursal of the loan.
- Team Handling and Motivation team Business and Sales
- Daily plan activities at Branch through Sales, Collection and Operation Team.
- Products of Commercial Vehicle Loan Business Loan ,Mortgage Loan and Two Wheeler Loans etc
- Products of Commercial Vehicle Loan Business Loan ,Mortgage Loan and Two Wheeler Loans etc
- Responsibilities:-
- Outlined key responsibilities in the role
Assistant Unit Manager
Fullerton India Credit Company LTD
12.2013 - 11.2015
- Products of Commercial Vehicle Loan Business Loan ,Mortgage Loan and Two Wheeler Loans etc
- Team Handling and Motivation team Business and Sales
- Achieve branch targets of outreach, portfolio volume and portfolio quality for both existing and new products And services as per agreed targets month on month.
- Analyzing customer needs and suggesting him the best product. Coordinating with credit team for quick processing and disbursal of the loan.
- Daily plan activities at Branch through Sales, Collection and Operation Team.
- Daily plan activities at Branch through Sales, Collection and Operation Team.
- Duration: 06 Dec. 2013 to 10Nov. 2015
- Outlined key responsibilities to clarify role expectations and deliverables.
Unit Manager
Sonata Finance Private Limited
03.2010 - 12.2011
- Motivated sales team through regular coaching sessions.
- Spearheading sales and marketing operations for generating business revenue. Involved in Recruitment and Development of Finance.
- Delivered presentations to expand market reach and engage potential clients.
- Imparting training on Product to new Joiners in the Team.
- Tapped into local small and medium business loans to increase clientele.
- Duration: 29 March 2010 to 05 Dec. 2011
- Responsibilities:-
Education
PGDCA -
Maharishi Mahesh Yogi Vedic Vishwavidyalaya
Jabalpur, MP01-2014
MSW - Community Development
MP Bhoj University
Bhopal, MP01-2011
MA - Rural Development
Rani Durgawati Vishwavidyalaya
Jabalpur01-2010
B.A. - undefined
Rani Durgawati Vishwavidyalaya
Jabalpur01-2007
HSSC - undefined
MP Board
Bhopal01-2004
Skills
Mortgage loan products
Mortgage products
Loan processing
Loan documentation
Sales strategy
Sales planning
Sales development
Sales expertise
Client acquisition strategy
Portfolio management
Portfolio diversification
Financial management
Cash management
Risk mitigation
Risk analysis
Business profitability
Business development
Market development
Branch operations management
Team management
Talent management
Staff management
Staff supervision
Team supervision
Employee engagement
Employee training
Training
Coaching
Workforce planning
Performance goals
Decision-making
Performance goals
Performance indicators
Performance reviews
Process improvement
Documentation management
Policy adherence
Customer needs analysis
Customer service
Customer relationships
Client relations
Relationship management
Relationship development
Communication skills
Attention to detail
Problem resolution
Sales coordination
Sales coordination
Cluster target achievement
Operational reports
Collections
Banking
Financial services
Loans
Revenue generation
Business planning
Community relations
Account review
Product training
Proficient in MS office
Strong team-builder
Team player
Hiring
Strategic planning
Marketing
Operational reports
Collections
Performance indicators
Marketing
Loans
Business planning
Revenue generation
Financial guidance
Resource allocation
Risk analysis
DECLARATION
I hereby declare that all information given above is correct. I shall be highly obliged if I am given an opportunity to serve under kind conduct, looking forward for your positive response. Date Place- Jabalpur Manik Lal Jhariya
Timeline
Branch Manager
KIFS Housing Finance Ltd.
02.2026 - Current
Cluster Sales Manager – (Senior Manager – Retails)
Piramal Capital & Housing Finance Ltd.
09.2024 - 07.2025
Cluster Business Head
Vastu Housing Finance Corporation LTD.
08.2022 - 09.2024
Cluster Business Head
Hinduja Housing Finance Limited
07.2020 - 07.2022
Branch Manager
Five Star Business Finance Limited
06.2019 - 03.2020
Assistant Branch Manager
IDFC First Bank Ltd.
12.2015 - 06.2019
Assistant Unit Manager
Fullerton India Credit Company LTD
12.2013 - 11.2015
Unit Manager
Sonata Finance Private Limited
03.2010 - 12.2011
HSSC - undefined
MP Board
B.A. - undefined
Rani Durgawati Vishwavidyalaya
MA - Rural Development
Rani Durgawati Vishwavidyalaya
MSW - Community Development
MP Bhoj University
PGDCA -
Maharishi Mahesh Yogi Vedic Vishwavidyalaya