Niraj Pande
Pune
Summary
Dynamic Regional Sales Manager with a proven track record at Mahindra and Mahindra Finance LTD, adept at driving sales initiatives and managing high-performing teams. Skilled in financial analysis and relationship management, leveraging expertise in MS Office to enhance productivity and achieve business goals. Strong leadership and strategic planning abilities ensure consistent success in competitive markets.
Overview
17
17
years of professional experience
Work History
Regional Sales Manager (ROM)
Mahindra and Mahindra Finance LTD
11.2023 - 08.2024
- ROMG handling 30+ Employee of SME products (LAP & Machinery loan) with handling loans from 30 lac to 5 cr.
- To analyse Collection portfolio & take appropriate action to control Delinquency.
- Maintaining relationship with Machines suppliers (OEMs) all Key vendors and customers.
- Manage profitability – Sales Productivity, Yield and acquisition cost within the budgeted levels.
- Developed a strong sense of team within the Region by empowering the staff to be active participants in weekly sales meetings and various contests designed to meet our quarterly goals & thereby ensuring that company’s objectives are met.
- Driving sales initiatives to achieve business goals.
- Recruitment, training and motivation of channel sales team.
- Sourcing of MSME Clients through managing from DSA & Connectors.
- Responsible for presenting, discussing and closer of proposal with Credit.
- Ensure full awareness & compliance of all policies & sales processes.
Regional Business Head (ROM)
Hinduja Leyland Finance LTD
06.2021 - 10.2023
- Handling loan from 1 cr to 30 Cr including syndication, board presentation.
- Managing portfolio of existing SME customers, resolve their quarries and look out for additional funding opportunities for new business.
- To analyse Collection portfolio & take appropriate action to control delinquency.
- Team handling driving sales initiatives to achieve business goals.
- Recruitment motivation of channel sales team.
- Develop and expand the existing channel network (Channel Mgmt.)
Area Head
Axis Bank Ltd
Pune
01.2020 - 05.2021
- Leading a team of 25 resources and handling sourcing of MSME clients for working capital, OD, Term Loan, CGTMSE, Equipment funding, LRD etc through managing sourcing from DSA & Connectors of Bank.
- Involve in initial financial appraisal for primary assessment, loan eligibility calculations including ratio analysis and overall due diligence of all proposal.
- Responsible for presenting, discussing and closer of proposal with Credit.
- Recruit people, train them and ensure to generate required incremental book as well as other targets such as Fee, CASA, Third Party Product sell etc.
- Involve in Credit and Product training to all branches and various stakeholders.
Area Sales Manager ROM - SME
Piramal Finance LTD (DHFL)
Pune
08.2015 - 12.2019
- ROM area an handling 20 Employee of SME products (Machinery loan & Property Term loan).
- To generate leads through Machines suppliers(OEMs) and Maintaining relationship with all Key vendors and customers.
- Manage profitability – Productivity, Yield and acquisition cost within the budgeted levels.
- To analyze Collection portfolio & take appropriate action to control Delinquency.
- Coordinating with Legal/Operations/Credit/ Risk Teams to ensure timely sanction and disbursement.
- Responsible for identifying, appointing & nurturing team of Direct Sales Associates, Connectors i.e. CA, Consultants etc. and acquire fresh clients.
- Meeting new customers and understand the requirements of the customers and ensuring that suitable solutions are provided from the bouquet of SME products i.e. Equipment finance, Education Funding, Hospital & ME Funding, LRD, Hotel Funding, Industrial LAP etc.
- Managing pre & post disbursement documentation which also includes plant visit, Asset verification, PDD etc.
- Managing portfolio of existing SME customers, resolve their quarries and look out for additional funding opportunities for new business and cross sell of General and Life insurance products.
Branch Sales Manager - SME
Reliance Capital Ltd
Pune
03.2013 - 08.2015
- Accountable for achieving Sales targets for a city / location through Direct efforts or through assigned relationships (DSA / off rolls resources).
- Develop locations to deliver the optimum throughout and identify new business for medical equipment, Hospital infrastructure and SME Loans.
- Instrumental in the acquisition and fostering of the Educational Institutional loans & Medical infrastructure loan under SME loans in the given territory.
- Assessment of client’s credit worthiness through profile, financials, location, viability of the asset & area etc for appraising the proposal.
Associate Vice President
Camellia Corporate Solutions Pvt. Ltd
Pune
09.2010 - 03.2013
- Company Overview: (INVESTMENT BANKING)
- Recruit the Chanel Partners & Business associate to generate the Business.
- Handle the existing & new Big Corporate Client.
- Team handling and building business volumes.
- Handle a team of Corporate Manager & Relationship Manager.
- (INVESTMENT BANKING)
Business Manager Agency Distribution
AEGON Religare Life Insurance Company
Pune
05.2010 - 09.2010
- Recruit the Adviser & Generate Business.
- Team handling and Team development, Sales Promotion activities to enhance business.
- Conducting and organizing Product Training, In-house programmed and focusing on Adviser Activation.
Sr. Team Leader
Reliance Life Insurance Co. Ltd
11.2007 - 04.2010
- Handling a team of 2 Team Leader & Sales executives.
- Independently handling all Branch activities, ensuring smooth coordination with the area & regional office.
- Drive successful promotional campaigns.
- Team handling and Team development, Sales Promotion activities to enhance business.
- Creating a friendly and motivating environment to get best deliverables from the team.
- Conducting and organizing Product Training, In-house programmed and focusing on Remiser Activation.
- Managing the business operations through Retail, Channel Partners (Karvi, Unicon, Blue Chip, Religare, Anand Rathi, Banks.) & Remiser Channel.
- The Customer perspective includes- Customer Satisfaction.
- The Internal Process perspective includes- Policy Issuance, Adherence to set procedures & guidelines & MIS.
- Learning & Development includes- Self Development, Internal & Team Development.
Education
B.com. -
Nagpur University
Skills
- Proficient with the use of Windows, MS Office and the Internet
- CCNA (Cisco Certified Network Associate)
- MCP (Microsoft Certified Professional)
Languages
- Hindi
- English
- Marathi
Disclaimer
The information given above is true.
Personal Information
Date of Birth: 09/01/83
Passport
Valid Indian Passport
Timeline
Regional Sales Manager (ROM)
Mahindra and Mahindra Finance LTD
11.2023 - 08.2024
Regional Business Head (ROM)
Hinduja Leyland Finance LTD
06.2021 - 10.2023
Area Head
Axis Bank Ltd
01.2020 - 05.2021
Area Sales Manager ROM - SME
Piramal Finance LTD (DHFL)
08.2015 - 12.2019
Branch Sales Manager - SME
Reliance Capital Ltd
03.2013 - 08.2015
Associate Vice President
Camellia Corporate Solutions Pvt. Ltd
09.2010 - 03.2013
Business Manager Agency Distribution
AEGON Religare Life Insurance Company
05.2010 - 09.2010
Sr. Team Leader
Reliance Life Insurance Co. Ltd
11.2007 - 04.2010
B.com. -
Nagpur University
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