MANOJ PURANIK
Bengaluru
Summary
Finance professional with nearly 7 years of experience in Sales & Marketing Management, Client Relationship Management, Branch Operations and so on in Non-Banking Financial sector. Developed strategy & plans for organization's business operations; conceptualized & developed new business strategies which led to an increase in turnover & profitability of the organization. Expertise in creating & executing effective marketing / promotional campaigns for product/service launch to consistently generate new revenue streams and improve performance in targeted market segments. Leader & organizational change agent, delivering business results focused on improving business processes to improve reliability, increase simplicity, and enable scalable growth. Proficient in planning the marketing activities for the loans & credits offered by the company, managing the Direct Sales Agents, achieving the personal & branch sales & disbursement targets, assessing the credit of the customers & firms, analyzing the CIBIL score of the customers. Displayed high level of proficiency in reviewing documentation to ensure accurate representation of business terms and conformity to credit approval and policies. Proactively identified and assisted in resolving documentation issues affecting client service and risk management. In depth product knowledge and capability to identify referral opportunities for partner products and services. Understood the intricate details associated with various products and capability to discover root cause of issues and ensure resolution. An effective leader and skilled negotiator with distinguished capabilities in directing, leading, training & motivating large multi-cultural workforce, imparting training & career development for accomplishing greater operational efficiency and business excellence.
Overview
11
11
years of professional experience
Work History
Area Business Head
Aditya Birla Capital
Bangalore
02.2025 - Current
- Delivering top- and bottom-line revenues for the products portfolio; developing, reviewing, and reporting on the business development strategy in the region; and ensuring the strategic objectives are well understood and executed by the team.
- Handling DSA, Connector, and Business Associates for business generation.
- Handling a team of sales managers and making them achieve their monthly business target.
Area Business Manager
L&T Finance Holdings Limited
Bangalore
01.2023 - 01.2025
- Delivering top and bottom-line revenues for the products portfolio; developing, reviewing, and reporting on the business development strategy in the region, and ensuring the strategic objectives are well understood and executed by the team
- Planning the marketing activities for the loans & credits offered by the company, managing the Direct Sales Agents, achieving the personal & branch sales & disbursement targets, assessing the credit of the customers & firms, analyzing the CIBIL score of the customers
- Managing overall operational performance of the branch, generating business as per management requirements and achieving set targets
- Coordinating with various branches for smooth execution of branch activities & other operational aspects
- Performing monthly sales forecasting & competitive analysis to determine accurate performance levels & need for growth into current and additional product categories
- Developing processes to create an effective sales organization; proactively identifying changes in market demand and modifying strategies for expansion of market share & achievement of revenue targets
- Impacting organization profitability through effective strategic and tactical management decisions and new business development
Cluster Manager
Godrej Housing Finance Company
10.2021 - 01.2023
- Delivering top and bottom-line revenues for the products portfolio; developing, reviewing, and reporting on the business development strategy in the region, and ensuring the strategic objectives are well understood and executed by the team
- Handling DSA/Connector/Business Associates for Business generation
- Handling a Team of sales managers and make them Achieve their Monthly Business target
- Handling high worth Client from Loan amount starting from 30L -10Cr
- Credit Assessment of All the Cases Logged in the Branch
- Personal Discussion Visit on understanding the Credit worthiness and Their intention to Pay
- Report and View Generation in Salesforce for Negative Profile analysis
- Analyses credit Worthiness on basis Current Income (Documented and Non-Documented)
Branch Head
Aavas Financiers Ltd
04.2021 - 10.2021
- Credit Assessment of All the Cases Logged in the Branch
- Personal Discussion Visit on understanding the Credit worthiness and Their intention to Pay
- Report and View Generation in Salesforce for Negative Profile analysis
- Analyze credit Worthiness on basis Current Income (Documented and Non-Documented)
- Exploring & developing new markets for promoting the loans & services offered by the company; conducting competitor analysis by keeping updated in terms of market trends & competitor to achieve market share metrics
- Identifying and networking with financially strong & reliable channel partners, resulting in deeper market penetration and improved market share; implementing marketing strategies for promoting products as per plans of company
- Spearheading demand forecasting & managing inventory; ensuring optimum inventory levels with channel partners to ensure timely deliveries to the customers
- Preparation of CAM Sheets for case Specific Decisions
- Recommendations of Case being an Author
Branch Manager
Home First Finance Company Ltd.
Bengaluru
04.2017 - 02.2021
- Driving sales initiatives & achieving desired targets with overall responsibility of return on investment and exploring marketing avenues to build consumer preference and drive volumes
- Identifying and networking with financially strong & reliable channel partners, resulting in deeper market penetration and improved market share; implementing marketing strategies for promoting products as per plans of company
- Conceptualizing and implementing sales promotional activities as a part of brand building & market development effort
- Spearheading demand forecasting & managing inventory; ensuring optimum inventory levels with channel partners to ensure timely deliveries to the customers
- Exploring & developing new markets for promoting the loans & services offered by the company; conducting competitor analysis by keeping updated in terms of market trends & competitor to achieve market share metrics
- Building and strengthening relationships with key accounts, opinion leaders, thereby ensuring high customer satisfaction by providing them with complete product support
Account Assistant
Diwakar Shetty Accounting Firm
Mangalore
06.2014 - 07.2015
- Provided assistance in Statutory Audits conducted, effectively learned the management of financial accounting, receivables & payables management, Audits, Bank Reconciliation Statements and Finalization of accounts
- Led implementation of financial procedures, maintenance & finalization of accounts as per statutory requirements
- Assisted in the computation of income and filed Income Tax accordingly
- Participated in internal & external audits like bank audits & so on
- Supported in finalization of tax audit reports along with all annexure, computation of taxable income as per normal & MAT provisions, filling of e-tax returns, TDS returns verification & filling, Service Tax Returns till audit profile
- Conducted Ledger Scrutiny & Reconciliation and effectively analyzed the basic books of accounts
Education
PGDM - Finance
M.S. Ramaiah Institute of Management
01.2017
BBM - Finance
Vidya Vikas Educational Trust
01.2014
Skills
- Sales & Marketing
- Business Development
- Team Building & Leadership
- Credit Assessment
- Relationship Management
- Product/Service Promotion
- MIS & Reporting
- Branch Administration
- Market Research & Analysis
- Key Account Management
- Revenue Generation
- Market Penetration
Summer Internship
Birla Sun Life Insurance Ltd., Fundamental and Technical Analysis of Paint and Power Sector, 04/16 to 05/16
Languages
- English
- Tulu
- Kannada
- Hindi
Personal Information
RamaiahDiwakarAavas
Date of Birth: 09/28/93
Address : Prashanth Nilaya , Kalya , Uliyaragoli Grama , Kaup , Udupi 574106
Marital Status : Single
Timeline
Area Business Head
Aditya Birla Capital
02.2025 - Current
Area Business Manager
L&T Finance Holdings Limited
01.2023 - 01.2025
Cluster Manager
Godrej Housing Finance Company
10.2021 - 01.2023
Branch Head
Aavas Financiers Ltd
04.2021 - 10.2021
Branch Manager
Home First Finance Company Ltd.
04.2017 - 02.2021
Account Assistant
Diwakar Shetty Accounting Firm
06.2014 - 07.2015
PGDM - Finance
M.S. Ramaiah Institute of Management
BBM - Finance
Vidya Vikas Educational Trust
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