PANKAJ PARMAR
Gurugram
Summary
- Engineering + MBA professional with 18+ years of experience in the Banking & Financial services sector. Expert in advising CXOs on sourcing, credit, collections, digital journey, and alternate data strategies.
- Proven expertise in Sales & Business Development, Risk management and Product innovation.
- Sound Knowledge of Credit & Risk Management, Alternate Data scoring & Decision analytics solutions.
- Retail lending specialist with knowledge of entire Financial services Industry.
- Digital Lending expert with good understanding of new age lending models, requirements and trends.
Overview
18
18
years of professional experience
Work History
Head of Sales & BD (LOS, BRE, Alternate Data Score, Lending & Channel Tech Platform)
Wonderlend Hubs
10.2022 - Current
- Responsible for driving business for Digital Lending Platform, LOS, Rules Engine & Alternate Data Scores
- Own all plans and strategies for developing business and achieving the company's goals
- Partnerships for product Development to meet requirements of segments like Embedded Finance, Micro lending, MSME, Co-lending models
- Agreeing annual budgets and creating a detailed annual plan to deliver monthly/quarterly/annual targets
- Work collaboratively across teams - including Engineering, Product and Marketing
- Representing the organisation in Industry conferences & events
Sales Director- India (Ethical Credit Management Services Fintech)
FLOW-Tech
03.2020 - 10.2022
- Responsible for setting up and streamlining India Business functions.
- Managing strategic alliances and business & Marketing development.
- Agreeing annual budgets and creating a detailed annual plan to deliver monthly/quarterly/annual targets.
- Representing the organisation in Conferences and managing the CXO level connect.
- People Management.
Director Sales -Financial Services (Alternate Data Aggregator)
URJANET
10.2018 - 02.2020
- Responsible for developing & executing the Sales Plan for India.
- Setting up Sales organisation and GTM strategy in the region for (Credit Bureaus, Banks, NBFCs, Fintech & MFI)
- Designing industry-specific pricing models
- Driving Strategic client tie ups across the industries.
- Responsible for Product innovation in Region centric products
- Representing at Industry events.
- People Management.
Regional Head - North India
Equifax Software Services Pvt. Ltd.
07.2011 - 10.2018
- Responsible for leading sales and Account management for the North and East India Region (Banks, NBFCs, Fintech companies, MFI & Insurance Industry)
- Developing and nurturing CXO level relationships.
- Framing & implementing, growth & Pricing strategies.
- Scope gathering from Risk and Business heads and solutioning (recommend strategies) to meet the requirement.
- Instrumental in Product innovation .
- Data monetization of Both Bureau and Alternate data.
- Attending Industry conferences and workshops.
Preferred Relationship Manager, - Retail Branch Banking
HDFC Bank Ltd.
11.2010 - 07.2011
- Overseeing a high net worth portfolio valued at approximately 50 crore.
- Increasing sales of banking products including liabilities, assets, and TPP.
- Maximising account retention and growth through superior portfolio management.
- Maintaining strict adherence to specified banking guidelines.
Astt Manager - (HL,LAP & PL)
CitiFinancial Consumer Finance India Ltd.
11.2007 - 11.2010
- Reviewing & approving personal loans
- Overseeing end-to-end credit process for quality portfolio management.
- Overseeing sourcing activities for PL, HL & LAP.
- Managed a team of 3 Team Managers and 40 FOS for portfolio booking.
- Ensuring compliance through comprehensive training sessions.
Area Sales Manager - Retail Sales Finance (Consumer Loans)
ICICI Bank Ltd.
07.2006 - 11.2007
- Spearheading CD Loans business in Delhi NCR.
- Leading a team comprising 50 direct and indirect reports.
- Coordinated training sessions for DSA's, Direct Sales Team, and FOS Team in Delhi
Education
Digital Transformation (Certification Program) -
ISB (Indian School of Business), Hyderabad
01.2022
Fintech- Business Models, Marketing, Strategy & Tactics (Certification Program) -
India Institute of Management, Ahmedabad
01.2018
MBA (Marketing & Finance) -
Department of Management, Kurukshetra (Kurukshetra University)
01.2006
B.E. (F.T) -
Department of Chemical Engineering & Technology, Chandigarh (Panjab University)
01.2003
Skills
- B2B Sales Expertise
- BFSI Partnership Development
- SAAS & Tech Sales
- Credit Risk Management
- Data-Driven Financing Solutions
- Embedded Finance strategies
- Alternate Data Insights
- Retail assets Expertise
- Digital Lending Specialist
- Data-Driven Decision Making
- People Management
Personal Information
Date of Birth: 07/27/81
Languages
- English
- Hindi
Timeline
Head of Sales & BD (LOS, BRE, Alternate Data Score, Lending & Channel Tech Platform)
Wonderlend Hubs
10.2022 - Current
Sales Director- India (Ethical Credit Management Services Fintech)
FLOW-Tech
03.2020 - 10.2022
Director Sales -Financial Services (Alternate Data Aggregator)
URJANET
10.2018 - 02.2020
Regional Head - North India
Equifax Software Services Pvt. Ltd.
07.2011 - 10.2018
Preferred Relationship Manager, - Retail Branch Banking
HDFC Bank Ltd.
11.2010 - 07.2011
Astt Manager - (HL,LAP & PL)
CitiFinancial Consumer Finance India Ltd.
11.2007 - 11.2010
Area Sales Manager - Retail Sales Finance (Consumer Loans)
ICICI Bank Ltd.
07.2006 - 11.2007
Digital Transformation (Certification Program) -
ISB (Indian School of Business), Hyderabad
Fintech- Business Models, Marketing, Strategy & Tactics (Certification Program) -
India Institute of Management, Ahmedabad
MBA (Marketing & Finance) -
Department of Management, Kurukshetra (Kurukshetra University)
B.E. (F.T) -
Department of Chemical Engineering & Technology, Chandigarh (Panjab University)
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