Pawan Walyat

Saarathi Finbiz is popularly known as Decimal and is a Fintech Platform and a Brand working with Top Banks, NBFC's in India as a sourcing partner for financial products like retail loans and SME Loans.

Saarathi Finbiz is a digital loan processing platform for Kotak Mahindra Bank and Credit Saison for processing of digital files for mortgage and personal loans.
Saarathi Finbiz is purely into business aggregation through full time channel partners, financial brokers and financial agents.
Managing Delhi, Punjab, Chandigarh and Haryana for aggregation of business through Independent channel partners, financial brokers and financial agents and responsible for profitability through revenue generated through selling of Secured and Unsecured Loans into entire zone.
Handling a team of 2 State Head, 4 ASMs and 5 S.Ms, for Delhi & PCH.
Managing old relationships & acquiring new channel partners, financial brokers and financial agents. while establishing healthy business relations with associates for securing repeat business & long term loyalty and worked towards solving their queries & ensuring timely release of payouts.
Main object is to make a wide network of Financial Brokers in various locations without employing them on our company roles and they use our corporate DSA Codes of Various banks/NBFCs for customers they source so that they can independently source business for us.
Since we are a Corporate DSA, we get better treatment from principals in terms of revenue as commissions over bulk business, comparing to small channels and we pass them major portion of Commission we receive on their sourcing and we keep margins on volumes.

• RU Loans is a Brand working with Top Banks, NBFC’s & Insurance Companies in India as a sourcing partner for all type of financial products like retail loans, credit cards & Insurances.
• Managing Delhi, Western Uttar Pradesh, Punjab, Chandigarh and Haryana for aggregation of business through Independent Financial Brokers, real estate brokers and responsible for profitability through revenue generated through selling of Secured and Unsecured Loans into entire zone.
• Managing & acquiring Financial Brokers, referrals and Customers while establishing healthy business relations with associates for securing repeat business & long term customer loyalty and worked towards solving their queries & providing them right option available for them.
• Main object is to make a wide network of Financial Brokers in various locations without employing them on our company roles and they use our corporate DSA Codes of Various banks/NBFCs for customers they source so that they can independently source business for us.
• ⦁ Since we are a Corporate DSA, we get better treatment from principals in terms of revenue as commissions over bulk business, comparing to small channels and we pass them major portion of Commission we receive on their sourcing and we keep margins on volumes.

⦁ Having an Experience of more than 19 yrs into the Retail Loan Industry and has Good connections with more than 25 Active Financial Brokers is always an opportunity for Individual to perform in any circumstances.
⦁ Worked as a Financial consultant for own and consulting other associated advisors and routing there business and enchasing own experience and product knowledge.
⦁ Worked in Entire Delhi/NCR with various Banks/NBFCs and enchasing contacts with Bankers for smooth transactions of own and referred customers.
⦁ Worked with Top DSAs in Delhi/NCR by using there empaneled codes with Banks/NBFCs for routing sourced customers to maximizing margins as middle man.

⦁ Tradzeal.com was a Self startup Venture with 2 Equal Business Partners one of them looks Backend Support, Office Support and another one looks after Technology and I was responsible for Sales, Distribution, and Logistics on Pan India Basis.
⦁ Idea behind Tradzeal is to create a platform for manufacturers and retailers to transact and connect together on National Level for multiple products and make their reach to variety of their respective business products on a digital platform.
⦁ Connected some 500 Manufacturers and 1000 retailers on PAN India into multiple product categories and getting them activated for business transactions.
⦁ Logistics is the main key to success in E-commerce business and having a budget friendly logistic partner is like achieving a milestone itself, connected major partners on portal for timely deliveries of products ordered by retailers.

⦁ Managing and maintaining reports for all orders placed by retailers for timely deliveries and payments tracking of product delivered through advance payment option or cash on delivery options
⦁ Maintaining all Agreements with conditions of working with tradzeal and manufacturers.
⦁ Coordination between manufacturers and retailers for smooth business transactions.
⦁ Payment Gateways.

⦁ My Money Mantra is a Brand working with Top Banks, NBFC’s & Insurance Companies as a sourcing partner for all type of loans, credit cards & Insurances for over 2 decades.
⦁ Managed a Branch (Gurgaon, Haryana) of 20 subordinates for retail Loans as a Team leader, majorly sourcing through real estate brokers and developers, responsible for the profitability of the Branch through the revenue generated from Home Loans and Insurance.
⦁ Managing help desks for visiting customers at various developer’s premises as a retail partner to fulfill the Requirement, and to suggest the right and suitable option of Home loan available through Banks & NBFC’s.
⦁ Manage & acquire the Developers, Customers while establishing healthy business relations with Developers, clients & external associates for securing repeat business & long term customer loyalty and worked towards solving their queries & providing them the right option available for them.
⦁ Providing Approvals from the Banks & NBFC’s for funding the residential, commercial projects launched by Developers, this helps developers to let their customers choose the best option for finance to invest into their projects.

⦁ Managing a Branch of Olam Mozambique Lda. (Nacala Porto) and responsible for the procurement of various species of Tropical hardwood from various Timber Merchants and directly from the concessions managed by non-government bodies.
⦁ Managing a Log Park and maintaining more than ten thousand logs and planks at a time through FILO system, and maintaining the records of the total volumes available in the log park.
⦁ Stuffing of Containers is the most important part of the whole process of export the more we stuff, the more we earn, checking each container and ensuring the maximum stuffing of volumes with keeping the record of each plank stuffed in the container
⦁ Dealing with freight liners for booking of containers and keep negotiating the rate of freights from time to time.
⦁ Dealing with the Custom clearing agents to ensure the fast movement of containers from the port to the vessel.
⦁ Maintaining all the records related to the shipments from the Liners, Customs & Species certifications to on time discharge of containers at the port of our clients

⦁ Ensuring the profitability of the branch on each consignment.

⦁ Handled a team of 10 core sales peoples including 2 Assistant Managers, 4 Business Development Officers & 4 Telemarketing Executives.
⦁ Identify and quantify credit risks, implement measures to minimize risks within an independent decision unit to ensure an objective view and decision on credit request and credit exposure. This requires researching the possible areas of business development to promote various financial products offered by Channel Partners.
⦁ Identify & appoint new channel partners & dealer network to enhance business development while training them on regular basis and working closely with the existing sales channel/ dealers to ensure target achievements.