Summary
Overview
Work History
Education
Accomplishments
Timeline
Generic
Ram Bhayani

Ram Bhayani

Retailer & Sales
Jamnagar

Summary

To put my abilities and skills of Marketing and Risk together the best use towards the growth and advancement of the organization, while growing personally and professionally all the while.

Overview

8
8
years of professional experience
2
2
years of post-secondary education
3
3
Language

Work History

Business Manager

Aavas Financers Ltd
Jamnagar
01.2023 - Current
  • Communicated with customers and vendors positively with particular attention to problem resolution.
  • Created, managed, and executed business plan and communicated company vision and objectives to motivate teams.
  • Developed initial sales roadmaps and market strategies to promote successful product launches.
  • Spearheaded recruitment and hiring process and compiled training materials for new and existing team members.
  • Anticipated financial impact from operational issues and worked with leadership to develop solutions.
  • Executed business plans to further strengthen and maximize territory sales and profits.
  • Assisted with hiring process and training of new employees.
  • Improved business profits through innovative cost containment and revenue generation techniques.
  • Researched industry and marketplace trends to enhance sales techniques and meet customer needs.
  • Identified and qualified customer needs and negotiated and closed profitable projects with high success rate.
  • Cultivated and strengthened lasting client relationships using strong issue resolution and dynamic communication skills.
  • Tracked employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.
  • Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.

Sales Manager

Aditya Birla Housing Finance Ltd
Jamnagar
11.2021 - 01.2023
  • Grew sales and boosted profits, applying proactive management strategies and enhancing sales training.
  • Established and cultivated solid business relationships with new or existing customers.
  • Coached employees in successful selling methods and encouraged cross-selling to drive revenue.
  • Conducted team meetings to reinforce goals and objectives and set clear expectations about policies and procedures.
  • Coached and counseled sales personnel, assisting with individual selling efforts and helping sales representatives reach targets.
  • Maintained relationships with customers and found new ones by identifying needs and offering appropriate services.
  • Maintained ethical and positive working environment to reduce turnover and promote high retention rates.
  • Attended industry shows, conventions, and other meetings with primary mission of expanding market opportunities.
  • Managed revenue models, process flows, operations support and customer engagement strategies.

Area Sales Manager

Incred Financial Services Ltd
07.2019 - 03.2020
  • As my role would develop business relationship with Direct, DSA’s & Connectors for Educational Institution Funding for working capital for the purchase of New Premises or Renovation of Building etc
  • Exceeded targets by building, directing, and motivating high-performing sales team.
  • Accompanied sales reps in field for ride-alongs to teach, observe and work one-on-one.
  • Helped team stay productive and focused on higher-value tasks to improve sales efficiency.
  • Forecasted sales and established processes to achieve sales objectives and related metrics.
  • Directed sales support staff in administrative tasks to help sales reps close deals.
  • Led targeted training programs to educate staff on product benefits and service capabilities.
  • Collaborated with clients and distributors to create and promote new products.
  • Prepared sales presentations for clients showing success and credibility of products.

Sales Manager

Indiabulls Housing Finance Ltd, Home Equity
Jamnagar
07.2017 - 08.2018
  • Handling Sales of Home Loans in “Home Loans &, ” for whole Jamnagar Branch, with reporting to Gujarat Head
  • Recruiting DST in Jamnagar City {Team Leaders & executives}
  • Searching Referral codes {BA’s} Business Associated and have created the maximum BAs in system
  • Training and guiding sales team for sourcing the files and also for solving the queries in allotted time frame
  • Keeping check on disbursements and making them flow in a proper manner
  • Coordinating with technical agencies for quick and prompt response
  • Maintaining different type of MIS’s and sending the reports to the seniors on daily and monthly basis & raising BA bills in the system
  • Acting with different activities viz: Loan Mela’s, Leaflet distribution, Presentations, and Competitions
  • Discussing with seniors and implementing various strategies for developing the business
  • Achievements: -
  • Was recognized with highest no of Login Home Loans & Home Equity cases in terms of no files and volume.

Branch Manager

ICICI Home Finance
Ahmedabad
09.2018 - 07.2018
  • Handling Sales of Mortgages in (HL & Home Equity) for Eastern Part Ahmedabad Nikol Branch, with reporting to Zonal Business Head
  • Recruiting SM’s, DST’s & Connector’s for Ahmedabad Territory
  • Training and guiding sales team for sourcing the files and also for solving the queries in allotted time frame for SM’s, DST’s & Connectors
  • As my role would develop business relationship with Builder’s, Connectors & DSA’s for Home Loans / LAP business (Builder Purchase, Resale, HL BT/Top- Up, LAP BT/Top- Up with SORP, SOCP, SOIP, Residential & Commercial Plot) etc
  • Maintaining relationship with Builders, Real Estate Broker and other Channel Partners and proposing them for more home loans with attractive ROI & Payouts
  • Keeping check on disbursements and making them flow in a proper manner with Operations team and taking OTC approvals
  • Coordinating with Technical & Legal agencies for quick and prompt response for Home Loan and LAP
  • Maintaining different type of MIS’s and sending the reports to the seniors on daily and monthly basis
  • Even raising bill to connector’s bills in the system
  • Acting with different activities viz: Loan Mela’s, DSA’s Aboard Trip, Presentations in Corporate’s with other channels help in system
  • Having in authority of signature in Disbursal Cheque too with Credit Manager
  • Achievements: -
  • Was recognized with highest no of Home Equity cases in terms of no files and volume and does Home Loans to continue with retails business chain in organization.

AU, Credit Manager

Financers (India) Ltd
07.2015 - 06.2017
  • Jamnagar, Surendrangar, Gandhidham, Morbi & Junagadh), In my time here: -
  • Spreading my Credit Analysis of Loan against Property (LAP) for MSME
  • Working as Credit Manager for Jamnagar, Morbi, Gandhidham, Surendranagar & Junagadh Branch Location
  • Have an experience across Operations, Credit Administration, and Customer Relationship Management
  • Monitored accounts for signs of fraud and non-payment issues.
  • Have sound knowledge of reading the financials & audit report of individuals firms, Partnership firms & Pvt Ltd firms approved government contractor and others also etc
  • Having experience with collections for Fresh Bouncing also
  • Through exposure in credit administration in Credit Appraisals, Documentation, Sanction and Post-Sanction follow up till disbursement of cases
  • Trained and coached junior employees on procedures for completing various types of repairs and maintenance on cars and light trucks.
  • Optimized credit approval and collection processes, improving operational efficiencies by over 95%.

Education

High School Diploma -

Oswal Secondary High School
Jamnagar, India
04.2001 - 04.2002

High School Diploma -

L.G. Haria High School
Jamnagar, India
03.2003 - 03.2004

Accomplishments

  • Bachelors of Commerce (B
  • Com), with a score of 60.33% from Saurashtra University, March 2008
  • Passed HSC – (XIIth standard), from the Gujarat Secondary Education Board with 59.50% in March 2004
  • Certification in Shipping & Logistics through weekend classes at Rajkot from IIIEM!
  • Personal Traits: -
  • Strong character
  • Hardworking
  • Honest & Sincere
  • Team-player
  • Flexible & Adaptive
  • Personal Details: -
  • Date of Birth : 21st December, 1983.

Timeline

Business Manager

Aavas Financers Ltd
01.2023 - Current

Sales Manager

Aditya Birla Housing Finance Ltd
11.2021 - 01.2023

Area Sales Manager

Incred Financial Services Ltd
07.2019 - 03.2020

Branch Manager

ICICI Home Finance
09.2018 - 07.2018

Sales Manager

Indiabulls Housing Finance Ltd, Home Equity
07.2017 - 08.2018

AU, Credit Manager

Financers (India) Ltd
07.2015 - 06.2017

High School Diploma -

L.G. Haria High School
03.2003 - 03.2004

High School Diploma -

Oswal Secondary High School
04.2001 - 04.2002

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Ram BhayaniRetailer & Sales