Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
References
Personal Information
Personal Strengths And Interests
Languages
Timeline
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Nikhil Waghela

Nikhil Waghela

Mira Road (East)

Summary

Dynamic and results-driven sales leader with over 21 years of experience in banking and financial services, specialising in credit cards, personal loans, and gold loans. Proven expertise in building high-performing teams, strategic planning, channel development, and partner management. Strong relationship builder with a consistent record of exceeding targets and driving business growth.

Overview

21
21
years of professional experience

Work History

Regional Sales Head – Credit Cards

AXIS BANK LTD
04.2020 - Current
  • Leading partner channels including Flipkart, Freecharge, Bajaj, Google, Airtel, and SpiceJet.
  • Driving lead generation and conversion across multiple partner platforms.
  • Recruiting, training, and mentoring sales staff to achieve high performance.
  • Designing and executing monthly sales strategies and targets.
  • Building strong relationships with partners, credit, product teams, and CPU.
  • Ensuring clean MIS reporting and consistent business tracking.
  • Managing HNI customer portfolios and digital partner onboarding.
  • Conducting competition analysis and frequent product trainings for teams.

Area Sales Manager – Credit Cards

AXIS BANK LTD
11.2017 - 03.2020
  • Managed Mumbai Corporate Channel (Co-origination) and NTB Channel.
  • Built new NTB sales channels and recruited new sales managers and FOS teams.
  • Drove corporate desk activation and expansion across new markets.
  • Regular engagement with corporate stakeholders to maximize sales.
  • Maintained healthy MIS and strong coordination with credit & backend teams.

Area Sales Manager – Loan Against Gold

HDFC BANK LTD
12.2016 - 10.2017
  • Oversaw entire Mumbai branch network and DSA channels.
  • Ensured branch sales, DSA, PBK, and open market targets were met.
  • Coordinated with circle heads, branch managers, and credit teams.
  • Recruited and trained sales staff, and initiated new channels.

Senior Manager – Loan Against Gold

HDFC BANK LTD
07.2008 - 11.2016
  • Led PBK channels and branches across Mumbai.
  • Handled open market and branch sales.
  • Built new fulfillment branches and scaled PBK volume by 400%.
  • Promoted to Area Sales Manager in Dec 2016 and Senior Manager in June 2012.
  • Also handled LAS until May 2010.

Business Development Manager – Personal Loans

STANDARD CHARTERED FINANCE LTD
09.2004 - 07.2008
  • Managed BDMs, TLs, telesales, and executives.
  • Built referral channels and drove profitable sales.
  • Promoted thrice based on performance.
  • Consistently exceeded sales targets.

Sales Executive

HBL GLOBAL PVT. LTD. (DST of HDFC Bank)
  • Developed new customer base through cold calling and promotions.
  • Achieved short-term sales targets and built customer relationships.

Education

Master of Financial Management (MFM) -

N.L. Dalmia Institute of Management
01.2012

Bachelor of Commerce (B.Com) -

Hinduja College
Mumbai
01.2004

H.S.C. -

Hinduja College
Mumbai
01.2001

S.S.C. -

Mumbai University
01.1998

Skills

  • Channel Sales & Partner Management
  • Team Leadership & Talent Development
  • Strategic Planning & Execution
  • Credit Card Sales & Product Training
  • MIS Reporting & Data Analysis
  • HNI Customer Handling
  • Public Relations & Client Engagement
  • Competition Analysis & Market Mapping
  • Sales strategy development
  • Data-driven decision making
  • Team building

Accomplishments

  • Promoted multiple times based on consistent performance.
  • Set up multiple Gold Loan branches across Mumbai.
  • Scaled PBK channel performance by 400%.
  • Built high-performing teams from scratch in untapped markets.
  • Maintained strong client satisfaction despite service issues.

Languages

  • English
  • Hindi
  • Marathi
  • Gujarati

References

  • Pradeep Bhanushali, +91 93226 93341
  • Bijay Shankar Rajak, +91 98333 96979

Personal Information

Date of Birth: 11/16/82

Personal Strengths And Interests

  • Team Player
  • Honest
  • Flexible
  • Systematic
  • Hardworking
  • Passionate about Music
  • Traveling
  • Socializing

Languages

English, Gujarati, Marathi, Hindi
First Language

Timeline

Regional Sales Head – Credit Cards

AXIS BANK LTD
04.2020 - Current

Area Sales Manager – Credit Cards

AXIS BANK LTD
11.2017 - 03.2020

Area Sales Manager – Loan Against Gold

HDFC BANK LTD
12.2016 - 10.2017

Senior Manager – Loan Against Gold

HDFC BANK LTD
07.2008 - 11.2016

Business Development Manager – Personal Loans

STANDARD CHARTERED FINANCE LTD
09.2004 - 07.2008

Sales Executive

HBL GLOBAL PVT. LTD. (DST of HDFC Bank)

Master of Financial Management (MFM) -

N.L. Dalmia Institute of Management

Bachelor of Commerce (B.Com) -

Hinduja College

H.S.C. -

Hinduja College

S.S.C. -

Mumbai University

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