Prannayy Sharma

A Financial Services and Marketing Professional with around Twenty Two years of professional exposure in the Mortgages and Life Insurance business.

Developed strategic marketing skills in fast-paced corporate environment, excelling in brand development and campaign management. Known for transforming market insights into actionable strategies that drive growth and customer engagement. Seeking to transition into new field, leveraging strong analytical and leadership abilities.

• Pulling up a decent growth from our Sales force as the assigned area had a non performing history.
• Achieving the quickest turnaround for the onboarding of our brokers for better & quick results.
• With my TPDSA team, we managed to shine bright attaining the Number One position pan India and retaining it consistently through and through generating & managing business of over INR 2400 Crs per annum through the Third Party Channels.
• Mounting the TPDSA business penetration from approx 10% prior to me joining the fleet to approx 21% during my stint as the TPDSA Head.
• 10 of my TPDSA's collected the Best DSA award in various categories at the All India TPDSA Meet organised at Goa in July 2022.
• Under my leadership, my erstwhile branch at M.G. Road reflected a positive variance of around 25% year on year over the years.
• With an average loan size of around Rs.45Lacs & the disbursements touching around Rs.1000 Cr annually, ours is one of the biggest functional branches across India.
• While my stint at the Sec. 14 office of Gurgaon, we achieved a milestone of 273% against the set annual disbursement targets maintaining our delinquency ratios at the All India lowest figures of lesser than 0.5% of our loan portfolio.
• Having worked at Gurgaon, our disbursement achievements have always been flared with our constant retention of the PAN India top three positions in the cross sell products of our group companies viz. HDFC Life & HDFC Ergo General Insurance giving me opportunities to win all paid trips to Singapore & Thailand.
• While being at Varanasi as the Branch Manager, we managed to overturn the negative performance of the branch to a positive growth of 18% & then over the years the growth reflected new positive patterns of growth.
• As a confirmed employee of HDFC post my stint as a Management Trainee, my Credit Appraisal & Leadership Skills were highly appreciated across the Branch because of which I was offered to move to Varanasi as the Branch Manager and was youngest one PAN India to be opportune with the challenge of heading a running branch.
• As a Management Trainee, I turned the challenge of arresting the prepayments into an opportunity when the Lucknow branch stood at the 2nd place PAN India in terms of least prepayment for two consecutive years.

• Managing the Developer Relations for the region along with being the Head of the Broker Network for the entire region who are responsible of approx. 35% of our annual business entails taking care of their relationships / their payouts / managing their motivation levels to keep the business flag flying high, launching and keeping a track of competitions for them.
• Also manage with a dotted line reporting pattern of our 85+ strong sales force who source the business directly from these brokers & developers.
• Handling around 73 TPDSA's for the region and ensuring a healthy business growth for each of them month on month and year on year.
• Handling the Business Sourcing Agents and ensuring a healthy constant supply of business through the network of our Sales team.
• Taking care of the Learning & Development Needs of the Branch.
• Ensure good control mechanisms are in place throughout the credit cycle processes, while the loans are being processed keeping the audit control checks in place.
• Constant review and provide periodic portfolio analyses and credit performance forecasts to provide appropriate recommendations.
• The quality recommendations for fresh applications ensuring lowest delinquency ratios for our loan portfolios.
• Ensure all the policies and procedures issued in relation to the prevention of money laundering.
• Ensure that proper risk classification is done at the time of approving transactions.
• Ensure adherence to regulatory frameworks.
• Profitable Management of my Team (close to eighty), who in a combined effort strive towards the achievement of common goals of monthly targets of Loans Sanction / Disbursement / Recovery / Marketing, etc.
• Marketing of Home Loan Products along with an added responsibility of arresting 'prepayment' of loans in any of its forms, mingled with the Cross-Selling of Insurance Products from H.D.F.C. Ergo General Insurance Co. Ltd. & H.D.F.C. Life Insurance Co. Ltd.
• Profitable Management of different Channel Partners viz. our Corporate DSA (H.D.F.C. Bank), our subsidiary, HDFC Sales, Other DSAs, DSEs, Walk-in customers, understanding their respective needs & providing them time bound solutions.
• Profitable Management of the office support staff, which includes the management of System Support Staff, the general office upkeep, management of local issues linked to the general working of the office.
• Strengthening & Maintenance of business and cordial relationships with Builders and the Commercially Important People of the Region.

• Housing Development Finance Corporation (H.D.F.C.) Ltd., Marketing Head for parts of Haryana, Uttar Pradesh & Madhya Pradesh, 08/01/23, Present
• HDFC Bank Ltd., Third Party Direct Selling Agents State Head (Haryana), 04/01/21, 07/31/23
• HDFC Bank Ltd., Cluster Head (Haryana), 05/01/17, 03/31/21
• HDFC Bank Ltd., Branch Manager, M.G., Road, Gurgaon, 10/01/10, 05/31/17
• HDFC Bank Ltd., Branch Manager, Sec. 14, Gurgaon, 04/01/08, 09/30/10
• HDFC Bank Ltd., Branch Manager, Varanasi, 07/01/05, 11/30/07
• HDFC Bank Ltd., Senior Officer, Lucknow, 05/01/04, 06/30/05
• HDFC Bank Ltd., Management Trainee, Lucknow, 05/01/03, 04/30/04

• Date of Birth: 02/17/79
• Marital Status: Married