Pranav Tiwari

Key Responsibilities:

• Sales & Channel Management: Spearheaded mortgage loan sales through multiple channels including HDFC Sales, HDFC Bank, and DSAs. Consistently achieved monthly branch targets by optimizing channel productivity and performance.
• Credit Underwriting & Risk Assessment: Conducted thorough credit analysis and appraisal for mortgage loan applications. Ensured high-quality underwriting in line with organizational credit risk policies to maintain a robust and performing loan book.
• Retail Assets & Mortgage Loan Management: Oversaw the end-to-end process for mortgage loan products, from sourcing and evaluation to disbursement and post-sales service. Managed branch-level deposit and revenue targets aligned with retail asset growth objectives.
• Relationship & Stakeholder Management: Built and maintained strong relationships with customers, channel partners, and internal stakeholders. Ensured a high level of customer engagement, satisfaction, and loyalty.
• Operational Risk Control: Implemented, monitored, and enhanced risk mitigation protocols across loan processing operations to ensure compliance and seamless functioning.
• Customer Service & Grievance Redressal: Addressed customer concerns promptly and effectively, ensuring positive customer experiences and swift grievance resolution.
• Loan Processing & Quality Control: Supervised loan disbursement activities, ensuring adherence to timelines and quality standards. Focused on retention of a healthy and high-quality loan portfolio.
• Delinquency Management & Recovery Support: Collaborated with the recovery team to identify and monitor early-stage delinquencies and supported proactive remedial action.
• Business Development & Analysis: Conducted regular market and portfolio analysis to identify growth opportunities. Led promotional activities to enhance product visibility and sales traction.

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• Corporate Sales - identify/develop and onboard the corporates, periodic market research for finding different avenues for demand and closing deals with Oyo.
• Maintain and review monthly sales tracker of accounts and targets.
• Achievements/Tasks

Key Responsibilities:

• Sales & Portfolio Management: Successfully managed a portfolio of high-value clients, focusing on deepening balances, driving product penetration, and maximizing wallet share through strategic upselling and cross-selling initiatives.
• Life Insurance Sales: Advised clients on suitable life insurance products based on their financial goals and risk appetite. Consistently met and exceeded sales targets through consultative selling and tailored financial planning.
• Customer Relationship Management (CRM): Handled exclusive HNI clients with a focus on long-term relationship building, trust, and satisfaction. Delivered end-to-end support for client queries, ensuring timely resolution and enhanced client retention.
• Client Engagement & Advisory: Conducted detailed financial needs analysis to identify opportunities and recommend suitable investment and insurance products. Acted as a trusted advisor, offering customized financial solutions.
• New Client Acquisition & Retention: Proactively engaged with prospective clients through meetings and relationship-building activities. Ensured seamless onboarding and continuous engagement to foster loyalty.
• Team Leadership & Target Achievement: Accountable for both individual and team-level sales targets. Motivated team members, drove performance, and ensured alignment with organizational goals.
• Regulatory Compliance & Product Knowledge: Kept abreast of market trends, regulatory updates, and product features to provide accurate and compliant financial advice.
• Awards & Recognition: Honored with the Award of Excellence for three consecutive quarters and ranked Pan-India No. 1 in target achievement, reflecting consistent top-tier performance.