Summary
Overview
Work History
Education
Skills
Timeline
Hi, I’m

Rashmi Ranjan Kar

Banking And Account Management
Mumbai
Rashmi Ranjan Kar

Summary

A professional with a responsive approach and ability to gain credibility through integrity, technical knowledge and personality. A strategic planner and executor with experience more than 20 years in handling Direct sales, New channel development, Contact center management, Campaign execution, process improvement, vendor management etc. to consistently improve new customer acquisition. Managing key relationship of key stake holders. Distinction of creating an operating environment of positive motivation and satisfaction for all the involved personnel. Significant experience in managing sales and sales process improvement and ensuring conformity to the preset process/quality parameters. Handled digital channel development as well has contact centers for new customer acquisition. Possess skills in conducting various training sessions for enhancing the performance. An exemplary communicator with excellent interpersonal, customer relationship management, organizational and team management abilities. Accomplished Account Director dedicated to generating leads and closing sales. Bringing 22 years of related experience and deep understanding of solution development, sales planning and business problem solving.

Overview

22
years of professional experience

Work History

CPP Assistance Services
Mumbai

Account Director
05.2018 - Current

Job overview

  • Channel
  • Key Highlights:-
  • Managing business development across all Banks and NBFCs
  • Stakeholder management
  • Contact center optimization for out bound channels
  • Implemented new processes for cross selling CPP products through various channels of Banks
  • Responsibilities:-
  • Managing relationship with Key stakeholders
  • Optimization of profitability through introduction of low cost models
  • Business development through different Banks on Credit Cards, Debit Cards and Personal loan team
  • Driving cross sell through different channels
  • End to end customer lifecycle management
  • Smooth payment process.
  • Obtained pricing deals, negotiated contracts, and solidified beneficial agreements.
  • Applied business and marketing knowledge to develop briefs and pitches for customer projects.

Axis Bank Ltd
Mumbai

Channel Head
09.2015 - 05.2018

Job overview

  • Developed and optimized all digital channels for new credit card acquisition
  • Implemented STP acquisition at various digital channels
  • Contact center optimization for inbound as well as out bound channels
  • Implemented Tablet based paperless sourcing model for the first time in Indian credit card industry
  • Skilled at working independently and collaboratively in a team environment.
  • Self-motivated, with a strong sense of personal responsibility.
  • Implemented paperless sourcing model through ATM, Mobile app and Internet banking logged in section
  • Revamp of out bound contact center for sourcing credit card
  • Responsibilities:-
  • Tablet sourcing model implementation
  • STP processes at various digital channels for new card acquisition
  • Training to field team on tablet advantage and sourcing proceeds
  • Process innovation on alternate mode of card sourcing
  • Development of online acquisition model
  • Lead generation through inbound contact centers
  • Branch kiosk sourcing
  • Out bound contact center management.

ICICI BANK LTD Bank
Mumbai

Channel Head
05.2013 - 09.2015

Job overview

  • Direct channels
  • Key Highlights, Express acquisition access for DSA and online sourcing channel
  • Managing PAN India DSA, DST I Process sales, process improvement and productivity tracking
  • Developing new markets like Odisha, NENB, WB,MP, Kerala, Punjab and Rajasthan
  • Started asset bundling product
  • Managing KYC compliance, TRAI, buyer’s remorse to enhance sourcing quality
  • Managing wallet protection plan through POS and generating revenue of INR 4Mn per month
  • Managing new location opening exercise for credit cards
  • Responsibilities:-
  • Overall direct channel sourcing within sales budget
  • Managing approval rate with process enablers
  • Vendor bill processing and channel payout
  • Reporting to TRAI on UCC complaints and action taken on each complaint
  • Sales budget tracking and provisioning
  • Training to sales team and new market development
  • Sales input to regional sales team

ICICI BANK LTD
Mumbai

Channel Head
05.2010 - 05.2013

Job overview

  • Alternate Channel
  • Key Highlights:, Started in house tele calling process
  • Increased card booking from 50 cards per month to 200 by using outsourced tele calling agencies
  • Launched online acquisition model with Bank Bazaar, Policy Bazaar for white label and market place leads
  • Introduced standalone lead fulfillment channel in top 10 cities
  • Used different campaign channels (ex
  • ATM, email, SMS etc.) in association with BIU to enhance lead funnel
  • Implemented gift management process along with tracking mechanism for marketing team
  • Working with policy and credit for enhancing prequalified base
  • Started tele calling model at Jet Airways and Kingfisher call centers to source co-branded cards
  • Started inbound call center lead generation model- S2S
  • Responsibilities:-
  • Managing relationship with inbound call center, BIU, policy, credit for increase in approval rate and lead quality
  • Periodic updation and validation of policy rules in online acquisition model
  • Ensuring proper lead flow to regional sales team for fulfillment
  • Training and process to fulfillment channel
  • Tracking and controlling cost per card
  • Feedback to stake holders on lead performance
  • Tracking of premium tier of co-branded cards through dedicated team and managing escalations

ICICI BANK LTD
Mumbai

Sales Manager
10.2006 - 04.2010

Job overview

  • Joined ICICI Bank as Sales Manager Credit cards
  • Handled a team of 600 DST staffs, 5 DSAs
  • Managed sourcing through 100 branches from Mumbai
  • Handled pay direct and travel card sourcing
  • PLCC sourcing through branches and become no1 PAN India for 6 months
  • Managed Interactive – largest channel partner centrally
  • Responsibilities:-
  • Training and relationship to branch asset manager for credit cards to ensure lead flow and quality enhancement
  • Managing sourcing cost within approved budget
  • Implementation of campaign at branch level
  • Tracking competition and providing feedback to business seniors
  • PLCC numbers through branches
  • Generating fee income through VAS and INR prepaid card fees
  • Managing DSA channel to source prepaid cards
  • Prepaid Forex cards through branches and FFMC

Emcure Pharmaceuticals Ltd
Mumbai

District Manager
02.2004 - 09.2006

Job overview

  • Increased 100% business volume of Raigad district within 3 months
  • Expanding business to Hospitals
  • Got exclusive order of Iron supplement in Sion Hospital
  • Training of the team to ensure utmost productivity
  • Responsibilities:-
  • Responsible for territory development and network expansion
  • Managing distributor network
  • Product specific promotion
  • Promotion of products through various schemes
  • Keeping track of competitor’s activity
  • Conducting promotional campaign
  • Maintaining PR with Doctors
  • Leading and guiding a team of 6 executives.

CADILA HEALTHCARE LTD

Sr Business Development Manager
06.2001 - 01.2004

Job overview

  • Conducted a project on ‘Promotional Strategy In Hospital’ for company
  • Conducted SWOT analysis of major products
  • Introduced a new strategy for a new antibiotic promotion

Education

RCM, Utkal University

Master from Business Administration

Utkal University

B.Sc.

Skills

New Channel Developmentundefined

Timeline

Account Director

CPP Assistance Services
05.2018 - Current

Channel Head

Axis Bank Ltd
09.2015 - 05.2018

Channel Head

ICICI BANK LTD Bank
05.2013 - 09.2015

Channel Head

ICICI BANK LTD
05.2010 - 05.2013

Sales Manager

ICICI BANK LTD
10.2006 - 04.2010

District Manager

Emcure Pharmaceuticals Ltd
02.2004 - 09.2006

Sr Business Development Manager

CADILA HEALTHCARE LTD
06.2001 - 01.2004

RCM, Utkal University

Master from Business Administration

Utkal University

B.Sc.
Rashmi Ranjan KarBanking And Account Management