Mohammed Abrar

• Heading Sales for Consumer Durable Loans, Finance - Lifestyle, Life Care, Travel, Talent and TPP /Extended Warranty
• Profoundly responsible for steering CD Business from innovation to go to market execution, endangering both top and bottom line revenues for product portfolio
• Crafting strategic roadmap fir revenue expansion and initiating key growth strategies in south India steering high performing team consisting of 2 zonal and 2 Area heads and 500 officers
• Expand revenue streams by venturing into untapped markets and increasing distribution infrastructure from 2500 to 3600 stores
• Responsible for Installment Finance Products (Credit Card EMI, Debit Card EMI & Consumer durable Loans) design & execute customer programs for key relationships for South to increase Banks wallet share networking with Strong channel partners resulting in deeper market penetration and reach
• Conceptualize and Implement Sales Promotional activities with OEMS & LFR as a part of market development and increasing the share of CD/DC/CC financing
• Responsible for identifying new segment for EMI Business (Installment Finance)
• Responsible for acquisition of new to Bank relationships for POS and EMI volumes by deepening Internal Relationships
• Heading ADC (Alternate Distribution Channel), responsible for asset (Easy EMI) penetration in Bank’s Managed Portfolio, inbound & outbound customer base for South
• Responsible for Business development through Branches by regular engagement, creating mindshare & product visibility / Offerings, Business constitutes to 40 % overall
• Responsible for mentoring and Training Sales Forces for better understanding of Product and Optimum delivery in field
• Effective management of portfolio to keep early delinquency levels at bay & work closely with Product, Policy & Credit department for the betterment.

Heading two States comprised of 2 zones, 4 Area Heads, 60 Sales managers and 500 Officers for Andhra And Telangana

• Heading team with portfolio Size of 1200 Crores on Merchant Portfolio and CASA Balances of 600 Crore pr Month
• Heading Acquisition of New Clients / Portfolio Management Cross sell on Lending Products and Increase in Casa Balances
• Engaged in formulation of budgets, designing policies, advertising plans, and promotional schemes with View to garner new accounts & meet revenue targets for Acquiring and cross sell in portfolio
• Work closely with Branch Banking Team and Current Account team to drive effective distribution of liquidating products to channel partners and maximize market penetration
• Overall Sales management: Formulate innovative strategies for generating business and handling credit and Lending for HNI Clients
• Effective management of portfolio to Constant growth and Cross sell
• Team Management: Recruit, train, manage cross functional teams and invoke work commitments among team members to achieve agreed performance targets
• Responsible for Profitability of Region
• Monitor and Prepare MIS reports for information flow and facilitate top management in decision-making
• Kept challenging ourselves and enhancing business relationship with every customer and Dealer relationship in order to pursue sustainable growth as responsible global financial company.

• Heading team of Area Heads, Sales Managers, and Officers of Digital Acquiring and Portfolio team for Zone South1
• On Board on Fuel, Retail Pos and portfolio Management of existing Customers
• Team Management: Recruit, train, manage cross functional teams and invoke work commitments among te am members to achieve agreed performance targets
• Engage with Service Delivery team and Risk Management team for quality maintenance of portfolio
• Engaged in formulation of budgets, designing policies, advertising plans, and promotional schemes with View to garner new accounts & meet revenue targets for Merchant Acquiring.
• Work closely with Branch Banking / Lending team and Current Account team to drive effective distribution of liquidity products to channel partners and maximize market penetration.
• Enhanced collaboration between team members by implementing innovative communication tools and fostering an open dialogue culture.
• Enhanced communication between departments by developing effective reporting structures and information-sharing platforms.
• Developed long-term strategies for business growth, resulting in increased revenue and market share over a five-year period.
• Oversaw change management initiatives, ensuring smooth transitions during periods of organizational restructuring or process improvements.

• Heading a Team of Credit Card sales Managers & Merchant acquiring sales team for Onboarding of Credit Card customers and Merchant Accounts
• Responsible for Volume, Penetration & Market share of Merchants in region
• Responsible for Acquisition of new credit card customers through KCM/ CSRM Channel
• Recruiting, training and Managing a team of Credit card Managers and Merchant acquiring Managers
• On Boarding of Credit Card Customers through Corporate like Infosys, Deloitte, Micro soft and TCS
• Actively Responsible for card’s penetration and Market Share in th Credit Cards Sales from each Corporate
• Channel Management and Corporate Management
• Coordinating with Branch Banking and Corporate Salary Team.

• Independently heading sales and channel development of Merchant Acquisition for HDFC Bank in Hyderabad Location for set of Branches
• Responsible for Acquisition Merchants in Hyderabad Location
• Responsible for Units & Volume Growth of Merchants from Branch Banking and Liability team of HDFC Bank and effectively Cross Selling Bank Products to Existing customers Strengthening distribution channels by recruiting new Direct Sales Associates/Channel partners/Direct Sales Team
• Educating/training Branches and Current Account teams for sourcing quality business on regular basis
• Motivating & driving branch staff to generate leads for Acquiring
• Nominated as Training Champion for State to conduct training programs to Credit officers, Collection Officers & Dealer Staffs
• Exploring & activating multiple Channels for Acquisitions
• Responsible for development of Sales/Credit team, monitoring & mentoring to excel their performance
• Exploring & activating multiple Channels of DDF partnership.

• Achieve Targets set in terms of product mix and cross sell in Existing portfolio
• Portfolio Management and Acquisition
• On Boarding of New Customers in Portfolio as per Targets Assigned
• Responsible for Volume Growth and Income Generation in portfolio
• Keeping track on delinquency for entire portfolio & Responsible for Repricing existing merchants and keeping under control on overall product portfolio
• Handling all aspects of general banking, retail operations and credit operations / deposit and lending products for portfolio customers
• Ensure best in class in terms of quality of sales and productivity standards
• Develop retail market segment to get max share of market
• Achieved budgeted cross sell targets
• Assist in implementation of promotions and below line activities in conjunction with Area Sales Manager and Manager-sales for new acquisition of customers across segments.

• Independently Managing corporate channel for Merchant Acquiring portfolio
• Handled key corporate like Future group
• Pantaloon and all national Accounts
• Revenue generation and assigned portfolio targets achieved from set of customers
• Managed Entire Andhra Pradesh Corporate /National and Key Accounts
• Strengthening distribution channels by recruiting new Direct Sales Associates/Channel partners/Direct Sales Team
• Educating/training DST and DSAs for sourcing quality business on regular basis
• Actively tapped Business from Corporate.