Manish Tiwari
Mumbai
Summary
Accomplished Area Sales Manager with 9 years in management, driving business growth and optimizing P&L performance. Skilled in leading high-performing sales teams, expanding distribution networks, and enforcing compliance and collection strategies. Achieved significant target milestones through strategic market penetration and effective leadership.
Overview
9
9
years of professional experience
Work History
Area Sales Manager
Cholamandalam Investment and Finance Company Ltd.
Mumbai
01.2024 - Current
- Successfully guide, mentor, and manage a highly competitive front-line sales force comprising 5 Relationship Managers and 2 Field Sales Executives via advanced motivation and strategic deployment metrics.
- Consistently elevated business book size while strictly preserving superior IRR; fast-tracked distribution pipelines leading up to the historic ₹11 Crore single-month disbursal in March 2026.
- Directed and achieved the highest single-month loan cross-sales of ₹17.5 Lakhs in March 2026 by optimizing client offerings through credit protect insurance plans.
- Managed sales forecasts and budgets to optimize resource allocation and align with business goals.
- Attracted and onboarded high-caliber DSA partners, establishing productive relationships to drive sales growth.
- Trained and guided DSA partners to enhance performance. to achieve monthly targets
- Enforced total compliance with rigorous audit guidelines and defined policy reports.
- Formulate and execute collection procedures for 0-12 MOB fresh bounce cases to sustain a positive trend in P&L.
Sales Manager - Personal Loans Prime
HDFC Bank Limited
Mumbai
09.2019 - 01.2024
- Orchestrated high-yield Direct Sales Agent (DSA) vertical, driving high-value personal loan acquisitions.
- Scaled business distribution exponentially, increasing annual volume from ₹4 Crore to an outstanding ₹22 Crore during the 2021-22 financial year.
- Collaborated with Credit, Operations, and Collections branches to resolve complex CRM escalations, reduce rejections, and ensure strict process adherence.
- Managed sales forecasts and budgets, optimizing resource allocation to support strategic business goals.
Sales Manager
ICICI Bank Limited
04.2018 - 08.2019
- Governed 23 channels and 45 regional dealer showrooms, steering a tactical team of 20 sales executives to accelerate consumer durable loan sales.
- Led teams to achieve sales targets and improve customer engagement strategies.
- Developed training programs to enhance product knowledge among sales staff.
- Collaborated with internal underwriting and credit risk teams to optimize case turnaround times, minimizing asset delinquency and file rejections.
Sales Manager
Indiabulls Ventures Limited
05.2017 - 03.2018
- Developed and implemented strategic sales plans to enhance market presence.
- Nurtured profitable relationships with channel heads and high-net-worth clients, managing pricing and structuring negotiations to optimize deal outcomes.
- Administered client sourcing and conversion lifecycles using external channel partners and self-sourced networks to enhance client acquisition.
Education
PGPM - Marketing
ICFAI Business School Mumbai
Mumbai03-2017
BBA - Marketing
Dr. Ram Manohar Lohia Avadh University
Sultanpur07-2013
Skills
- Sales forecasting
- Market analytics
- Performance analysis
- Strategic Business Growth
- Market Expansion Strategies
- Distribution Sales
- DSA Onboarding & Expansion
- Channel Partner Relationship Management
- IRR Optimization
- Strategic planning
- Cross-Selling Frameworks
- Team leadership
- Effective communication
Languages
- English
- Hindi
- Gujarati
Key Highlights
- PAN India Record, Achieved a milestone of ₹11 Crore Highest Monthly Disbursal across PAN India in 03/26.
- Profit Contribution, Delivered ₹2.30 Crore in net profit contribution for the financial year FY 2025-26.
- Performance Contests, Winner of 2 Foreign Trip Performance Contests and 2 Cash Incentive Contests organized internally by Cholamandalam.
- Cross-Sell Excellence, Generated a record-breaking ₹17.5 Lakhs in high-margin loan protection insurance cross-sales in 03/26.
- Achieving growth of 2.5 crore to 11 crore in Cholamandalam and 4 crore to 25 crore in HDFC bank
Awards
- Record Breaker Award, Cholamandalam, Conferred for shattering monthly targets and crossing the milestone of ₹11 Crore disbursals in March 2026
- Top ASM for credit protect insurance by HDFC life - March 2026
- Award of Excellence, HDFC Bank, Awarded for unprecedented contribution to the Credit Protect Insurance business vertical (2022-2023).
- Top Performer Drive, HDFC Bank, Positioned as the primary top performer in the Group Head Drive for Government personal loan segments (2022).
- Best Sales Manager, HDFC Bank, Officially recognized as the Best Sales Manager across the vertical DSA Personal Loans Prime vertical (2021).
- Group head Appreciation award, HDFC Bank, Granted directly by the Group Head for exemplary performance in premium personal loan sourcing (2021).
Timeline
Area Sales Manager
Cholamandalam Investment and Finance Company Ltd.
01.2024 - Current
Sales Manager - Personal Loans Prime
HDFC Bank Limited
09.2019 - 01.2024
Sales Manager
ICICI Bank Limited
04.2018 - 08.2019
Sales Manager
Indiabulls Ventures Limited
05.2017 - 03.2018
PGPM - Marketing
ICFAI Business School Mumbai
BBA - Marketing
Dr. Ram Manohar Lohia Avadh University