NIKESH KUMAR SHARMA
Varanasi
Summary
Results-driven financial services professional with over 9 years of experience in personal and business loan distribution and end-to-end loan lifecycle management. Delivered exceptional branch performance, exceeding annual business targets and strengthening channel relationships while ensuring compliance standards.
Overview
9
9
years of professional experience
Work History
Sales Manager (Deputy Manager)
Axis Finance Limited
Lucknow
10.2026 - Current
- Led sales initiatives to enhance market share for personal lending and retail finance products.
- Managed and scaled partner networks (DSAs and direct sourcing channels) to optimize outreach across assigned territory.
- Oversaw customer acquisition pipelines and underwriting coordination to ensure timely sanctioning from login to approval.
- Managed retail finance operations to enhance customer access to financial products.
Relationship Manager (Senior Deputy Manager)
Cholamandalam Investment and Finance Company Limited
Varanasi
09.2025 - 09.2026
- Consistently met monthly disbursement and cross-sell benchmarks, generating substantial incentive revenue through disciplined pipeline tracking.
- Spearheaded direct and DSA sourcing initiatives for unsecured personal loans and small enterprise loans, enhancing market reach.
- Supervised complete case lifecycles, ensuring seamless login-to-disbursement operations and zero documentation deficiencies.
- Cultivated relationships with key DSA partners and addressed client credit inquiries, ensuring timely resolutions.
- Consumer and Small Enterprise Loan (CSEL)
Customer Service Executive – CFAB
Tata Capital Limited
Varanasi
09.2023 - 09.2025
- Achieved an outstanding 270% of annual business targets through proactive DSA channel engagement and open-market prospecting.
- Sourced high-ticket personal loan portfolios, managing operational workflows from file submission to loan disbursement.
- Maintained compliance ratings, verified borrower eligibility metrics, and reduced portfolio delinquency through upfront screening.
Relationship Manager
Finnable Credit Private Limited
Varanasi
05.2023 - 08.2023
- Oversaw borrower relationships for Finnable Credit loan portfolios, ensuring client satisfaction and retention.
- Cultivated network of Direct Selling Agents (DSAs) to enhance personal loan disbursement speed.
- Conducted credit pre-checks, streamlined customer onboarding, and expedited file clearance cycles.
- Facilitated credit application follow-ups with customers and internal teams, improving communication and response times.
- Reviewed loan documents for completeness and lender compliance.
Sales Manager
Aditya Birla Finance Limited
Varanasi
05.2021 - 05.2022
- Managed external channel partners and DSA networks, driving growth in retail personal loans and business finance facilities.
- Managed sales pipeline for retail lending products at Aditya Birla Finance Limited.
- Developed channel partnerships for business loan and personal loan sourcing.
- Monitored lead conversion and customer follow-ups across regional sales teams.
- Monitored regional pipeline progression and ensured strict adherence to KYC norms, enhancing branch conversion rates.
Sales Executive
Hero FinCorp Limited
Varanasi
11.2020 - 05.2021
- Met monthly sales quotas by actively prospecting leads and following up with customers.
- Acquired customers for unsecured retail credit through proactive field marketing and tele-calling campaigns.
- Promoted retail loan products at local events to engage prospective customers.
- Generated leads through dealer network and field visits
- Collected customer documents for loan application processing
Sales Executive
Indiabulls Consumer Finance Limited
Varanasi
01.2019 - 05.2020
- Identified high-potential consumer credit segments and executed tactical conversion strategies to capture new market opportunities.
- Marketed Hero FinCorp loan products to potential clients through targeted outreach.
- Developed new leads by conducting field visits and engaging with local market contacts.
- Built and trained agile frontline sales team, assigning daily targets and tracking field productivity to enhance sales performance.
- Explained loan features, eligibility, and repayment terms clearly.
Senior Sales Executive
Home Credit India Private Limited
Varanasi
08.2017 - 05.2018
- Managed retail partner relationships for Home Credit India consumer loan sales.
- Generated customer leads through store visits and field sales activities.
- Explained EMI options and loan terms to prospective borrowers.
- Evaluated customer income profiles and verified financial documents to assess EMI repayment capacity, ensuring informed lending decisions.
- Ensured adherence to internal risk policies while streamlining loan processing to enhance customer satisfaction.
Education
Bachelor of Commerce (B.Com) -
Maharaja Agrasen Himalayan Garhwal University (MAHGU)
Intermediate (Class XII) -
UP Board
High School (Class X) -
UP Board
Skills
- Loan underwriting
- Credit & Operations: Loan processing, Document verification, Credit compliance Credit compliance
- KYC compliance
- Leadership & Communication: Cross-functional coordination, Team supervision, Client Relationship Management
- Business Sourcing & Strategy: Channel management, Direct Open Market Sourcing, Target Achievement, Pipeline Optimization
- Products & Tools: Unsecured Personal Loans, Business Loans (CSEL), Retail Finance, Windows OS, Microsoft Office
- Leadership & Communication: Cross-functional coordination, Team supervision, Client relationship
- Sales Forecasting
Personal Information
Date of Birth: 1999-01-31
PERSONAL DETAILS
Languages Known: English, Hindi
Timeline
Sales Manager (Deputy Manager)
Axis Finance Limited
10.2026 - Current
Relationship Manager (Senior Deputy Manager)
Cholamandalam Investment and Finance Company Limited
09.2025 - 09.2026
Customer Service Executive – CFAB
Tata Capital Limited
09.2023 - 09.2025
Relationship Manager
Finnable Credit Private Limited
05.2023 - 08.2023
Sales Manager
Aditya Birla Finance Limited
05.2021 - 05.2022
Sales Executive
Hero FinCorp Limited
11.2020 - 05.2021
Sales Executive
Indiabulls Consumer Finance Limited
01.2019 - 05.2020
Senior Sales Executive
Home Credit India Private Limited
08.2017 - 05.2018
Bachelor of Commerce (B.Com) -
Maharaja Agrasen Himalayan Garhwal University (MAHGU)
Intermediate (Class XII) -
UP Board
High School (Class X) -
UP Board