Summary
Overview
Work History
Education
Skills
Interests
Timeline
Languages
Awards
Generic
Rajeev Kumar

Rajeev Kumar

Area Sales Manager - LAP
Karnal

Summary

Experienced with regional sales management, consistently exceeding sales targets and driving market growth. Utilizes strategic planning and team leadership to maximize performance and effectiveness. Track record of building strong client relationships and implementing successful sales strategies

Overview

16
16
years of professional experience
5
5
years of post-secondary education
3
3
Languages

Work History

Area Sales Manager

Bandhan Bank
Karnal
11.2022 - Current
  • Handling entire Haryana locations and team of SM/SO in my current profile.
  • Achieve targets for the Mortgages/Loan against Property business through lead generation and fulfillment from the Open Market and alternate channels and DSA.
  • Coordinating with credit team for solving the queries of Login, Sanctioning & Disbursement.
  • 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 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.
  • Provided exceptional customer service to existing clients through regular communication and prompt resolution of issues or concerns raised by them.
  • Increased sales revenue by developing and implementing strategic sales plans for the assigned territory.

Cluster Sales Manager

Ujjivan Small Finance Bank
Karnal
12.2021 - 11.2022
  • Worked with Ujjivan Small Finance Bank in Housing department and handling all HL and LAP product for Panipat, Karnal, Ambala and Kurukshetra branch.
  • Drive the business in the respective cluster and handling the team of 10-12 LO/RM for Ambala and Karnal clusters.
  • Oversees the performance of the housing portfolio in terms of growth and productivity of relationship officers by guiding them and carrying them out constructive review of their performance.
  • Handling collection for X bucket - 90 bucket for entire cluster.
  • Drive the marketing activities includes leaflets distribution, canopy etc.
  • Guides the Loan and Relationship officers in carrying out marketing and sales activity, customer appraisals and proposal preparations.

Central Credit Manager MSME

Fusion Microfinance Ltd
Gurgaon
01.2021 - 11.2021
  • Worked with FML MSME department and taking care of Secured Business Loan verticals for Delhi NCR and up-countries branches.
  • Handling team of 4 credit managers in Delhi NCR and taking direct reporting of up countries branches credit team regarding secured cases.
  • Having sanctioning authorities of 10 Lakhs for secured cases and 5 cases for unsecured cases.
  • Helping policy team in regards to prepare effective secured policy for all states.
  • Vendor empanelment for all branches and handling all escalating and billing for all these vendors.
  • Coordination with sales and collection team regarding fresh sourcing and taking collection feedback for delinquent cases.
  • Engaged with IT team for making credit scorecard and third parties APIs like Stratrgy One, Predix and Finov.

Regional Credit Manager

IFL Housing Finance Limited
04.2018 - 01.2021
  • Worked with IFL Housing Finance Ltd and handling all the branches located in Rajasthan, Madhya Pradesh, Haryana, Punjab and Delhi.
  • Joined as Area Credit Manager for Haryana location and got a promotion Regional Credit Manager and handled Sales and Credit department for Home Loan and LAP products in IFLHFL.
  • Appraisal and approval of proposals including supervision of credit underwriters.
  • Having sanctioning authority uptp 50 Lakhs for LAP and Home Loans cases.
  • Manage the portfolio quality and ensure compliance to policy norms.
  • Training of credit underwriters on Policy norms and provide proper inputs to Policy team for up gradation or improvement in policy/process.
  • Create credit underwriting polices and processes for Home Loan and LAP products.
  • Monitoring entire collection of the company and checking delinquent and NPA cases on monthly basis.
  • Handling 34 branches across the country and visiting every location quarterly and keep in touch with my every BCM/ACM and other team members.
  • Interaction with seniors for credit underwriting of files and ensure proper management of sourcing.

Area Credit Manager

Capri Global Capital Ltd
04.2016 - 08.2017
  • Worked with Capri Loans in UR & SME vertical and handling mortgage credit for Panipat and Ambala branch.
  • Mortgages products include LAP Resi, Commercial, Industrial and Commercial/Industrial purchase.
  • Credit Risk appraisal for customers: Sanctioning/Appraising/Recommending/ Underwriting the credit worthiness of the applicants as per the CGCL's internally laid guidelines and ensuring timely & efficient processing of loan applications.
  • Conducting PD with the customer.
  • Financial Analysis of the balance sheets given for last 2/3 years to be done along with Key ratio analysis.
  • Conducting training session for the team members for updating them with the latest policy/process changes, and enhancing their product knowledge on a regular basis and thereby building volumes in line with the business plan of the organization.

Branch Credit Manager

Shriram Housing Finance Ltd
12.2014 - 04.2016
  • Worked with SHFL in HL/LAP vertical and handling mortgage sales and credit for entire Haryana branches.
  • Handled mortgages products include LAP Resi, Commercial, Industrial and Commercial/Industrial purchase.
  • Credit Risk appraisal for customers: Sanctioning/Appraising/Recommending/ Underwriting the credit worthiness of the applicants as per the SHFL's internally laid guidelines and ensuring timely & efficient processing of loan applications.
  • Conducting PD with the customer.
  • Financial Analysis of the balance sheets given for last 2/3 years to be done along with Key ratio analysis.
  • Conducting training session for the team members for updating them with the latest policy/process changes, and enhancing their product knowledge on a regular basis and thereby building volumes in line with the business plan of the organization.

Senior Executive - Credit

Countrywide Mortgage Services
Gurgaon
11.2009 - 03.2013
  • Worked in Credit department of UK based client Countrywide Mortgage Services on third party payroll of Serco Globel Services.
  • Took care of product Home Loan - Affordable Housing and Affordable Leasing for more than 3 years.
  • Responsible for checking KYC documents, Credit History, Credit Rating (using Call Credit, Equifax), Referencing checking from Employer, Landlords and Dealers over the phone, Income Eligibility, and Internal Verification.
  • Financial Analysis in SENP, SEP cases and Salary Structure Analysis in Salaried cases.
  • Preparing CAM for Loan sanction.
  • Credit Underwriting for all the case using Finnone LOS software and recommendation to Credit Manager.
  • Sending details to On-shore team and help them to disburse the case in timely manner frame.
  • Maintaining TAT for all cases.
  • Preparing the list of documents as per legal and sent the report for Credit Manager.
  • Preparing MIS reports and sending to Credit Managers.
  • UK based client

Education

MBA - Marketing & Finance

Swami Vivekananda Subharti University
Meerut, India
04.2020 - 01.2022

Bachelor of Commerce (B.Com.) - Finance

University of Delhi
Delhi, India
04.2006 - 01.2009

12th Senior Secondary -

Arya Public School Panipat
Panipat, India
04.2005 - 01.2006

Skills

Retail banking sales

Interests

Volleyball

Travelling and Hiking

Cycling

Timeline

Area Sales Manager

Bandhan Bank
11.2022 - Current

Cluster Sales Manager

Ujjivan Small Finance Bank
12.2021 - 11.2022

Central Credit Manager MSME

Fusion Microfinance Ltd
01.2021 - 11.2021

MBA - Marketing & Finance

Swami Vivekananda Subharti University
04.2020 - 01.2022

Regional Credit Manager

IFL Housing Finance Limited
04.2018 - 01.2021

Area Credit Manager

Capri Global Capital Ltd
04.2016 - 08.2017

Branch Credit Manager

Shriram Housing Finance Ltd
12.2014 - 04.2016

Senior Executive - Credit

Countrywide Mortgage Services
11.2009 - 03.2013

Bachelor of Commerce (B.Com.) - Finance

University of Delhi
04.2006 - 01.2009

12th Senior Secondary -

Arya Public School Panipat
04.2005 - 01.2006

Languages

English
Hindi
Punjabi

Awards

  • Best Employee for the Year, Countrywide Mortgage 2012
  • Face of the Quarter for 2018 in CGCL
  • Awarded for Sales Diwali Dhamaka in Bandhan Bank - 2023
  • Best Performer for JFM-2024 in Bandhan Bank - 2024

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Rajeev KumarArea Sales Manager - LAP