Summary
Overview
Work History
Education
Skills
Personal Information
Timeline
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Pankaj Sharma

Agra

Summary

Dynamic Area Sales Manager with a proven track record at Axis Bank Ltd., excelling in credit assessment and portfolio management. Achieved PAN-India Rank 14, driving ₹150+ crore in disbursements. Expert in client relationship management and team leadership, consistently surpassing sales targets and enhancing customer satisfaction through strategic initiatives.

Overview

9
9
years of professional experience

Work History

Area Sales Manager, Senior Manager

Axis Bank Ltd.
Agra
11.2022 - Current
  • Managing a ₹550+ crore working capital portfolio across three regions.
  • Conducting credit assessment of high-ticket proposals, analyzing financials, working capital cycles, leverage ratios, and repayment capacity.
  • Achieved PAN-India Rank 14 and Rank 1 in U.P. in Working Capital.
  • Winner of Highest Disbursement Contest in U.P. multiple times.
  • Delivered ₹150+ crore disbursement acquisition in the current FY.
  • Managed a successful sales team, consistently achieving and exceeding monthly sales targets.
  • Expanded market share through effective prospecting, lead generation, and negotiation skills.
  • Established strong relationships with key clients, resulting in increased customer retention and satisfaction.
  • Established strong relationships with major accounts and key decision-makers to increase sales in designated territory.
  • Enhanced team performance by providing ongoing coaching, training, and mentoring to sales representatives.
  • Built a high-performance sales team through diligent recruitment of top talent, strategic allocation of resources, and effective performance management.
  • Increased profit margins by effectively controlling budget and overhead and optimizing product turns.
  • Leading and motivating a high-performing sales and relationship team.

Backup Branch Manager

HDFC Bank Ltd
Agra
07.2021 - 11.2022
  • Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
  • Maintained friendly and professional customer interactions.
  • Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
  • Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
  • Conducted regular financial reviews and audits, identifying and resolving discrepancies promptly.
  • Streamlined loan processing procedures, significantly reducing approval times and improving customer experience.

Manager

Yes Bank Ltd
Firozabad
02.2020 - 07.2021
  • Acquired and assessed working capital clients.
  • Conducted financial analysis and credit appraisal for business loan proposals.
  • Ensured portfolio quality and minimized risk exposure.
  • Enhanced customer relationships through proactive service and retention strategies.
  • Managed and motivated employees to be productive and engaged in work.
  • Accomplished multiple tasks within established timeframes.
  • Maximized performance by monitoring daily activities and mentoring team members.
  • Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.

Deputy Manager

ICICI Bank Ltd
Vadodara
07.2016 - 02.2020
  • Managed government banking operations and institutional clients.
  • Conducted credit assessment for SME/Business clients to support working capital funding.
  • Ensured full regulatory compliance and audit readiness.
  • Generated fee income through cross-selling CASA, FDs, Insurance, and Investment Products.
  • Improved team efficiency by streamlining processes and implementing innovative management strategies.
  • Identified areas for improvement within the department, implementing strategic initiatives to address gaps in performance or resources.
  • Collaborated with cross-functional teams to drive business growth and achieve corporate objectives.
  • Increased customer satisfaction levels by developing targeted strategies to address client concerns effectively.

Education

POST GRADUATE DIPLOMA - BANKING

MANIPAL UNIVERSITY
BANGLORE
06.2016

Bachelor of Commerce - FINANCIAL ACCOUNTING

DR BRAU UNIVERSITY
AGRA
03.2012

IPCC - FINANCIAL ACCOUNTING

INSTITUTE OF CHARTERED ACCOUNTANT OF INDIA
DELHI
11.2011

HIGHER SECONDARY -

AIR FORCE SCHOOL
AGRA
03.2009

HIGH SCHOOL -

AIR FORCE SCHOOL
AGRA
03.2007

Skills

  • Sales
  • Credit Assessment
  • Working Capital Management
  • Portfolio Management
  • Credit Underwriting
  • Compliance
  • Team Leadership
  • Client Relationship Management

Personal Information

  • Date of Birth: 07/28/92
  • Nationality: India
  • Marital Status: Married

Timeline

Area Sales Manager, Senior Manager

Axis Bank Ltd.
11.2022 - Current

Backup Branch Manager

HDFC Bank Ltd
07.2021 - 11.2022

Manager

Yes Bank Ltd
02.2020 - 07.2021

Deputy Manager

ICICI Bank Ltd
07.2016 - 02.2020

POST GRADUATE DIPLOMA - BANKING

MANIPAL UNIVERSITY

Bachelor of Commerce - FINANCIAL ACCOUNTING

DR BRAU UNIVERSITY

IPCC - FINANCIAL ACCOUNTING

INSTITUTE OF CHARTERED ACCOUNTANT OF INDIA

HIGHER SECONDARY -

AIR FORCE SCHOOL

HIGH SCHOOL -

AIR FORCE SCHOOL

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