Navneet Sharma
Indore
Summary
Accomplished Area Sales Manager with proven success in strategic sales planning, portfolio oversight, and revenue optimization. Recognized for driving team performance and enhancing profitability through effective training and cross-departmental collaboration.
Overview
18
18
years of professional experience
Work History
Area Sales Manager
SMFG India Home Finance Company Ltd.
Indore
01.2024 - Current
- Formulated and executed strategic sales plans to meet corporate targets.
- Oversaw portfolio management, ensuring profitability and health.
- Led a team of 4 BSMs and 18 RMs/DSTs, enhancing overall performance.
- Provided training based on performance metrics to drive results.
- Coordinated with other departments for efficient proposal completion.
- Handled audit inquiries, resolving issues proactively.
- Managed collections processes effectively to boost revenue realization.
- Achieved Star Performer status for exemplary results in sales.
Area Credit Manager
Cholamandalam Investment and Finance Co. Ltd.
08.2021 - 01.2024
- Authorized transactions up to 20 lacs.
- Conducted training sessions for BCM, CPA, and DST teams on processes and policies.
- Performed business visits to analyze customer profiles and financial needs.
- Ensured portfolio health and branch profitability.
- Resolved audit queries efficiently to maintain compliance.
- Managed collections to optimize cash flow.
Branch Manager - AHF
Mahindra Rural Housing Finance Ltd.
02.2021 - 08.2021
- Assuring Monthly Branch Targets are met.
- Handling Branch Activities.
- Handling Team of 9 Relationship Managers and Functional Reporting 2 credit Officials 1 CPA.
- Ensuring Healthy and Profitable branch / Portfolio.
- Co-coordinating with other departments for smooth disbursement.
Branch Credit Manager - AHF
Magma Housing Finance Ltd.
12.2018 - 02.2021
- Evaluated proposals for RCM approval through rigorous underwriting procedures.
- Facilitated proposal processing in line with credit policy regulations.
- Directed collections activities to enhance recovery outcomes.
- Monitored branch profitability and overall portfolio performance closely.
- Educated CPA and COE on relevant processes and policies.
- Performed business visits to gather insights into customer profiles and financial needs.
- Liaised with other departments to ensure smooth disbursement flows.
- Resolved audit questions promptly, addressing discrepancies effectively.
Credit – Team Leader - AHF
Tata Capital Housing Finance Ltd
09.2015 - 09.2018
- Processed proposals in accordance with policy guidelines.
- Underwrote and recommended proposals while ensuring adherence to TAT.
- Conducted business visits to assess customer creditworthiness.
- Ensured audit compliance by resolving queries and coordinating with auditors.
- Managed collections effectively to optimize recovery rates.
- Reported directly to ACM on performance metrics and updates.
- Joined Tata Capital as CPA, contributing to financial assessments.
Coordinator {Maintenance}
Escon Elevators Pvt. Ltd
04.2014 - 09.2015
- Executed jobs on schedule by coordinating with multiple departments.
- Oversaw timely contract renewals to secure ongoing agreements.
- Tracked outstanding payments through diligent follow-ups.
- Requested invoices promptly to support financial operations.
Executive Finance
Watermelon Healthcare Communications Pvt. Ltd
Mumbai
01.2013 - 12.2013
- Prepared estimates and submitted to customer for approval.
- Raised invoice requests to facilitate payment processes.
- Followed up on outstanding payments to maintain cash flow.
- Coordinated with departments to ensure timely project execution.
Executive
Permali Wallace Pvt. Ltd
Bhopal
08.2009 - 12.2012
- Preparation & Submission of Offers / Quotations.
- Handling customers like Siemens, Alstom {Hydro & Thermal}, ABB, CG etc.
- Reviewing Rate Contracts.
- Co-coordinating with departments for smooth execution of Orders & Timely dispatch.
A.M. – Business Banking
HDFC Bank Ltd
Pune
01.2008 - 07.2009
- Underwrote and recommended proposals for enhancing existing limits.
Education
Post Graduate Diploma in Business Mgmt. - Finance
Sinhgad Business School
Pune06-2008
Masters - Marketing Management
SIOM
PunePune
B.Com. -
Barkatullah University
BhopalBhopal
Higher Secondary -
M.P. Board
MhowMhow
Skills
- Sales strategy development
- Portfolio oversight
- Revenue optimization
- Team leadership and training
- Client relations management
Disclaimer
I hereby confirm that the information in this document is accurate and true to the best of my knowledge.
Personal Information
- Father's Name: Lt. Om Prakash Sharma
- Date of Birth: 07/19/83
- Marital Status: Married
Timeline
Area Sales Manager
SMFG India Home Finance Company Ltd.
01.2024 - Current
Area Credit Manager
Cholamandalam Investment and Finance Co. Ltd.
08.2021 - 01.2024
Branch Manager - AHF
Mahindra Rural Housing Finance Ltd.
02.2021 - 08.2021
Branch Credit Manager - AHF
Magma Housing Finance Ltd.
12.2018 - 02.2021
Credit – Team Leader - AHF
Tata Capital Housing Finance Ltd
09.2015 - 09.2018
Coordinator {Maintenance}
Escon Elevators Pvt. Ltd
04.2014 - 09.2015
Executive Finance
Watermelon Healthcare Communications Pvt. Ltd
01.2013 - 12.2013
Executive
Permali Wallace Pvt. Ltd
08.2009 - 12.2012
A.M. – Business Banking
HDFC Bank Ltd
01.2008 - 07.2009
Post Graduate Diploma in Business Mgmt. - Finance
Sinhgad Business School
Masters - Marketing Management
SIOM
B.Com. -
Barkatullah University
Higher Secondary -
M.P. Board
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