MOHAMMED AFZAL
Hyderabad
Summary
- Seeking middlelevel assignments in Fintech/ NBFC/PL/BL/Unsecured/Secured/Lending / Banking/ BD/Brand EMI, Credit EMI & Bajaj EMI) Business with an organization of high repute, preferably in Banking / NBFC Fintech/ & Enterprise Industry.
- A competent professional with an experience of 14 + years in:
- Result -Oriented Professional.
- Presented Complex Ideas Clearly
- Influenced Stake Holders
- Proficient at Payments (EDC, SB, PL, Card EMI GMV)
- Expert in Sales & Marketing.
- Profitability
- Specialized in People Management
- Strategic Planning
- Directed Cross Team Initiatives.
- Executing Process Optimization
- Facilitated Collaboration Across teams
- Enhancing Client Servicing
- Streamlining Cost Control.
- Leading SOUTH INDIA EDC - PL business in BAJAJ PAY.
- Gained understanding of systems connected with the industry and conversant with RBI guidelines.
- Experienced in planning and implementing policies/ strategies regarding the management of profits, personnel, credit & deposits portfolios, cross-selling, risk & asset liability management for the overall growth of the organization.
- An excellent performer with demonstrated proficiency in performing all operations effectively & efficiently with key focus on bottom line profitability and coordinating with various Verticals to get desired results in time.
- Resourceful at maintaining relationships with Merchants & Clients by resolving their service/product related issues.
- Acknowledged as Top Business Manager for South Zone for 2 years in PINE LABS.
- Acknowledged as Ranked -1 ASM for 2 years in PINE LABS.
Overview
14
14
years of professional experience
1
1
year of post-secondary education
Work History
Sr. Manager - (Leads Regional Manager Role - South India EDC & Personal Loan)
BAJAJ PAY
07.2023 - Current
- Leading a team of 4 Area Managers & 12 Sales Managers & 250 FOS's - Sales Efficiency team.
- Provided strategic direction to departmental heads regarding resource allocation decisions.
- Participated in recruitment initiatives by interviewing potential candidates and selecting suitable hires.
- Ensured compliance with applicable laws, regulations, policies, and procedures across all business units.
- Facilitated team meetings and workshops to align on goals and strategies.
- Oversaw talent acquisition, training, and development programs to build high-performing teams.
- Managed crisis situations, implementing contingency plans to minimize impact on operations.
- Reported to executive leadership on performance metrics, challenges, and strategic opportunities.
- Remained calm and professional in stressful circumstances and effectively diffused tense situations.
- Analyzed business performance data and forecasted business results for upper management.
- Produced thorough, accurate and timely reports of project activities.
- Collaborated with cross-functional teams to align goals and initiatives.
- Championed for SOUTH INDIA EDC business with PL & Bajaj EMI Business, GMV & Net Revenue to meet.
- Coordinated team efforts to ensure target achievement for cross-sell products.
- Drove cross-sell targets for personal loans and Bajaj EMI business by developing strategic initiatives. of (Personal Loans & Bajaj EMI Business in Non-CD Bajaj Dealers).
- Motivating & mentoring team to get expected results by Conducting constant meetings with the On-roll/Off-roll team.
- Overall sales pipeline built for the current month.
- Holding Daily & Weekly 1-to-1 meetings with SMs to review performance.
- Setting goals, Driving the time as per Management expectation.
- Coordinating with OPS for EDC, Credit for PERSONAL LAON Business.
- Taking interviews and hiring people to add value, skills & experience to the sales team.
- Received Bajaj - Debutant award within 6 months of Bajaj joining as I got Pan India top in all parameters.
- Received Bajaj - Hero Award for pan India top in H1 for 2024-25.
- Received 3 Awards in 3 Quarter as Best ASM from Bajaj Pay-President.
- Acknowledged & received award as Rank 1 ASM for 2 years in PINE LABS.
- Instrumental in achieving Source & Spends targets on monthly & yearly basis.
- Actively increasing spends with existing Book on monthly basis.
Regional Sales Manager
PINE LABS PVT LTD
07.2016 - 06.2023
- Joined in July 2016 as AM; promoted to DM in April 2018 by achieving 150% YTD and qualifying for international trip contest; promoted to ASM in April 2019 for achieving 320% YTD team target, first in Pan India; promoted to Sr.ASM in April 2021 for 190% YTD target; promoted to Regional Sales Manager in May 2022 for achieving 130% YTD target.
- Managed team of 30 sales managers across Telangana, Andhra Pradesh, and Bangalore in retail payments fintech vertical.
- Acquired new business from retail, large retail, and corporate clients for digital payments acceptance.
- Built acquiring business by providing customized solutions to corporate and retail clients.
- Optimally use the sales model and maximize business from the given territories.
- Identifying New markets trends, Gaps and Opportunities with Various tools.
- Delivered product training at client sites to enhance user understanding.
Relationship Manager
SBI Payments Services Pvt ltd (CalibeHR)
Hyderabad
12.2014 - 07.2016
- Analyzed client needs to deliver tailored financial solutions, enhancing client satisfaction and retention.
- Identified customer needs and developed customized solutions, strengthening client relationships through informed advice.
Sales Manager - Used car Loans
Reliance Capital Ltd
05.2013 - 04.2014
- Acquired car loans business through DSA channel at Reliance Capital.
- Led a team of five members to ensure workflow efficiency and goal achievement.
- Held weekly 1-to-1 meetings to review performance, set goals & provide Coaching.
- Training, Guiding, Motivating Them on daily basis to fetch more Business.
- Mentored employees in successful selling updated techniques, encouragement.
- Coordinated with operation credit team to expedite processing.
Associate Sales Manager
INGVYSYA BANK LTD
02.2012 - 05.2013
- Acquired new customers to enhance bank's CASA portfolio.
- Expanded branch book size through targeted customer engagement.
Education
Executive MBA - Executive MBA
IMT CDL Gaziabad
New Delhi 06.2025 - 01.2026
B.SC - Computers
Kakatiya University
Warangal, Andhra PradeshIntermediate -
Board of Intermediate Education
Hyderabad, Andhra PradeshS.S.C -
Board of SSC
Hyderabad, Andhra PradeshSkills
- Problem-solving aptitude
- Strategic leadership
- Sales management
- Influencing and negotiating
Personal Information
- Date of Birth: 01/16/85
- Nationality: Indian
Languages
Urdu
First Language
English
Advanced
C1
Telugu
Advanced
C1
Hindi
Advanced
C1
Timeline
Executive MBA - Executive MBA
IMT CDL Gaziabad
06.2025 - 01.2026
Sr. Manager - (Leads Regional Manager Role - South India EDC & Personal Loan)
BAJAJ PAY
07.2023 - Current
Regional Sales Manager
PINE LABS PVT LTD
07.2016 - 06.2023
Relationship Manager
SBI Payments Services Pvt ltd (CalibeHR)
12.2014 - 07.2016
Sales Manager - Used car Loans
Reliance Capital Ltd
05.2013 - 04.2014
Associate Sales Manager
INGVYSYA BANK LTD
02.2012 - 05.2013
B.SC - Computers
Kakatiya University
Intermediate -
Board of Intermediate Education
S.S.C -
Board of SSC