RAVINATH SHARMA
Thane West
Summary
Accomplished Sales & Distribution Professional with 20 years of experience in retail banking, channel sales, team building, and process management. Expertise spans multi-product sales, including Credit Cards, Personal Loans, CASA, Insurance, and Deposits, with a focus on digital acquisition and sales process development. Proven track record in driving business growth, managing large teams, and implementing sales strategies across multiple locations.
Overview
21
21
years of professional experience
Work History
VP, Zonal Head - Retail Lending & Payments (Credit Cards, Insurance, Deposits, CASA)
Axis Bank Ltd.
10.2006 - Current
- Jan 2023 – Present: Promoted as VP, Lead sales operations for Maharashtra & Goa, managing 450+ branches, corporate salary relationships, and channel partners
- Supervise 200+ direct sourcing agents, 14 Sales Managers, and 3 Regional Sales Managers
- Delivering Cross sell targets
- May 2022 – Jan 2023: Developed a pan-India team for Petrol Pump Sourcing and managed 2000+ Bharat Bank branches
- Coordinated with Product, Marketing, and Credit teams to drive revenue and sourcing opportunities
- Jun 2020 – Apr 2022: Managed sales operations for Gujarat, MP & Vidarbha, overseeing 660+ Axis Bank branches, corporate relationships, and 550+ direct sourcing agents, 3 RSMs, 2 ASMs and 23 Sales Managers
- Feb 2018 – May 2020: Promoted as AVP, Led AP & Telangana region, managing 295+ branches, driving sales volume through channel partners and corporate salary relationships
- Supervised 450+ direct sourcing agents and 15 Sales Managers
Senior Manager – Alternate Channel (Tablet Sourcing, Pan India)
Axis Bank Ltd.
05.2016 - 01.2018
- Pioneered the tablet-based sourcing initiative for credit cards, optimizing sales and business operations across India
- Implemented a tablet helpdesk, ensuring smooth operations and effective communication between departments (Sales, IT, Credit, Policy)
- Managed inventory and ensured effective resource allocation for tablet operations across India
Senior Manager, ASM – Credit Cards (Delhi NCR & Mumbai)
Axis Bank Ltd.
05.2012 - 04.2015
- Managed a team of Sales Managers for Credit Card Sales in Delhi/NCR and Mumbai, ensuring sales targets were met
- Developed a centralized document executive team in Delhi to streamline operations and improve productivity
- Implemented new business development strategies and handled the area mapping and business plans for branch catchments
Dy Manager / Manager – Credit Cards (Mumbai)
Axis Bank Ltd.
10.2006 - 04.2012
- Led a team of 30 Sales Executives and Team Leaders for Branch Channel – Credit Cards
- Spearheaded corporate campaigns, business development activities, and promotional events to drive sales
- Ensured compliance with KYC regulations and focused on quality sourcing
Team Leader of Personal loan Sales
Standard Chartered Financial LTD
11.2005 - 10.2006
Team Leader of Personal loan Sales
Centurion Bank of Punjab
03.2005 - 07.2005
Sales Executive in Liability Sales
Standard Chartered Bank
03.2004 - 02.2005
Education
Master in Management Studies - Marketing
University of Mumbai
01.2003
Bachelor in Science - Physics
Ranchi University
Ranchi01.1998
Skills
- Sales Strategy & Execution
- Team Leadership & Development
- Process Management
- Digital Acquisition
- Cross-Functional Coordination
Accomplishments
- Consistently exceeded sales targets, achieving year-on-year growth.
- Top Performer in Mumbai region for 5 out of 6 years as Sales Manager.
- Successfully led Pan India tablet adoption for credit card sourcing, increasing per-tablet productivity from 0.65 to 1.62 within 3 months. In the short span of 18 months, transformed sales process from paper to digital Tab at national level. Successfully set up Digital helpdesk for entire Sales team.
- Awarded Best Performer in multiple domestic and international contests.
- Contributed to multiple pilot projects in the credit card department since its inception.
Hobbies and Interests
- Travelling
- Cricket
Languages
- English
- Hindi
Personal Information
- ReferenceAvailable upon request
- Notice Period: 3 months
Timeline
Senior Manager – Alternate Channel (Tablet Sourcing, Pan India)
Axis Bank Ltd.
05.2016 - 01.2018
Senior Manager, ASM – Credit Cards (Delhi NCR & Mumbai)
Axis Bank Ltd.
05.2012 - 04.2015
VP, Zonal Head - Retail Lending & Payments (Credit Cards, Insurance, Deposits, CASA)
Axis Bank Ltd.
10.2006 - Current
Dy Manager / Manager – Credit Cards (Mumbai)
Axis Bank Ltd.
10.2006 - 04.2012
Team Leader of Personal loan Sales
Standard Chartered Financial LTD
11.2005 - 10.2006
Team Leader of Personal loan Sales
Centurion Bank of Punjab
03.2005 - 07.2005
Sales Executive in Liability Sales
Standard Chartered Bank
03.2004 - 02.2005
Master in Management Studies - Marketing
University of Mumbai
Bachelor in Science - Physics
Ranchi University