Manish D. Pandey

• Achieved significant milestones with 1,400+ logins, 650 sanctions, and 60 crores disbursement.
• Revamped business strategy to expand Loan against Property, Home Loans, Commercial Purchase, LRD, Two-Wheeler Loans, and Gold Loans, Gold Coins business by 400% through direct and cross-business team collaboration across Western India, showcasing leadership and team management skills.
• Guided and supported a team of State Heads, Cluster Heads, and Branch Managers to exceed quarterly targets.
• Fostered a culture of accountability and innovation, leading to enhanced productivity and profitability.
• Expertly organised and mentored a new team in a short four-month timeline, leading to a boost in productivity and an improvement in monthly contributions.
• Streamlined the Western market hiring process with the new HR Manager, resulting in a 30% decrease in time to fill, and improved talent acquisition quality.

• Handling Team of 200 people. Identifying new Sales Distribution through channels and direct Marketing for Affordable Home Loans, Loan against Property
• Handling AUM 2400 Cr for Infant, High Value, Bucket X to Bucket 90 accounts.
• Closely working with HOD team and giving regular market feedback to improve product and policy updating, to empower the business team.
• Have worked in converting the life cycle of loan application to digital platform.
• Led cross-functional teams for the successful completion of major projects, resulting in increased efficiency and client satisfaction.
• Collaborated with senior management to develop strategic initiatives and long term goals.
• Identified opportunities to improve business process flows and productivity.
• Established a culture of continuous improvement, fostering innovation and driving sustainable growth across the organization.

• Started New Vertical of Laon Against Property in West Market,
• Increased revenue by identifying new business opportunities and closing high-value deals.
• Improved regional performance by implementing strategic sales initiatives and effective team management.
• Conducted regular performance reviews, setting clear expectations and supporting employee development initiatives.
• Implemented targeted marketing strategies to boost Home Loan and LAP business in Western India, resulting in increase in loan disbursements and market penetration.
• Managed a high-performing team of State Head, Cluster Head, and Branch Managers, resulting in improvement in overall productivity and efficiency.

• Efficiently oversaw branch business across the west for Home Loan and LAP Business, leading to improvement in operational efficiency and a decrease in turnaround time for loan processing
• Handling Team of 200 people
• Identifying new Sales Distribution through channels and direct Marketing
• Handling AUM 2400 Cr for Infant, High Value, Bucket X to Bucket 90 accounts
• Closely working with HOD team and giving regular market feedback to improve product and policy updating, to empower the business team
• Identifying Location to Launch branches Across Region
• Hiring People in Sales, Credit, Operation
• Managing Sales Distribution, Credit Underwriting and Operations for the Zone
• Managing 33 branches in West Zone
• Handling AUM 230 Cr
• Underwriting & Sanctioning the Loan application - L2 Level
• Approving the Legal and Technical Deviations in offered collateral.

• Managing D2C business through set of Sales Team in Central India Expansion of Distribution through identifying new Territory and opening Branches.

• Daily, weekly and monthly monitoring of Business across region and follow - up with RCM/ZCM/NCM for cases appraisals and sanctions.

• Cross-sell Selling of Life and General Insurance products.

• Regular Training the Team on Credit and Product Policy.

• Launched 7 new Location in Central India

• Maximized revenue growth with strategic planning, market analysis, and targeted marketing campaigns.
• Evaluated performance metrics regularly to identify areas for improvement in customer service standards.
• Led successful projects from inception to completion, ensuring timely delivery and stakeholder satisfaction.
• Built a culture of excellence within the team by setting clear expectations, providing regular feedback, and celebrating success.