Rishi Sharma

Role Overview:
Driving sales, distribution, and institutional banking business across Government, TASC, Corporates, and Financial Institutions, while managing a high-value portfolio of ₹738 Cr.. Responsible for team leadership, client acquisition, debt management, and business growth, ensuring consistent delivery of revenue targets and sustainable portfolio quality.

Key Achievements & Responsibilities:

• Spearheaded Sales & Institutional Business, achieving a book size of ₹738 Cr. and delivering ~20% YoY growth.
• Successfully led & developed a 57-members team (RMs, ROs & ARMs), reducing attrition by 15% and boosting productivity by 25% through structured training & mentoring.
• Consistently exceeded business targets by 110–120% across Loans, Insurance (bundled & non-bundled), and Institutional Banking products.
• Directed Debt Management & Collections, reducing delinquency by 18%, controlling bucket X cases, and ensuring 100% compliance with legal & audit guidelines.
• Strengthened cross-functional collaboration with Credit, Risk, and Operations teams, improving turnaround time for client servicing and complaint resolution by 30%.
• Implemented business planning, weekly reviews & data-driven performance monitoring, resulting in sustainable revenue growth and portfolio quality.

Role Overview:
Led a cluster of 5 districts with 38 branches, managing a ₹164 Cr. portfolio and a team of 9 Relationship Managers, Officers & Associates. Responsible for P&L ownership, business development, client acquisition, debt management, and collections, ensuring revenue growth and sustainable portfolio quality.

Key Achievements & Responsibilities:

• Managed NTB & ETB Institutional Business, acquiring and servicing clients across Hospitals, Educational Institutes, NGOs, Clubs, Societies & Religious Institutions, ensuring deep relationship value.
• Drove NOA, NTB & ETB revenue targets, preparing business forecasts and key account reports for senior stakeholders.
• Handled P&L, cash flow, and market share growth decisions for the Ferozepur cluster.
• Directed Debt Management & Collections, reducing delinquency and ensuring compliance with legal, audit & risk policies.
• Focused on Bucket X case management, recovery strategies, and customer-centric collections to safeguard portfolio quality.
• Strengthened cross-functional collaboration with Credit, Risk & Operations teams, improving turnaround and complaint resolution.
• Mentored and developed the team to enhance client servicing, acquisition, and retention capabilities.

Role Overview:
Directed business operations across 3 states (Punjab, Himachal Pradesh & Jammu & Kashmir), managing 27 on-roll and 67 off-roll employees. Accountable for P&L, collections, debt management, supply-demand operations, and relationship management with transporters, fleet owners & brokers.

Key Achievements & Responsibilities:

• Managed regional P&L, cash flow, and market share growth, ensuring sustainable revenue performance.
• Led end-to-end business development, monitoring & forecasting supply and demand targets, aligning performance with organizational goals.
• Handled Debt Management & Collections:
  Achieved Debt Management Services targets including PI and cost metrics.
  Controlled Bucket X cases by managing non-starters and improving recovery flows.
  Ensured legal & audit compliance during repossessions and collections.
  Conducted weekly performance reviews, set productivity benchmarks, and monitored DMS executives.
  Maintained proper documentation & feedback reporting for audits and compliance.
• Built & maintained strong relationships with transporters, fleet owners & brokers, driving loyalty and operational efficiency.
• Conducted background & reference checks for agencies and DCAs, ensuring ethical and compliant business practices.
• Mentored and developed teams to enhance collections efficiency, client servicing, and operational excellence across the region.

Role Overview:
Led prepaid sales, channel distribution, and retail operations across assigned geography. Managed distributor & retailer networks, driving revenue, market share, and customer base growth through effective channel engagement.

Key Achievements & Responsibilities:

• Handled 6 distributors, 11 sales executives & 32 promoters, delivering 120%+ sales achievement & ensuring availability and visibility of Airtel products.
• Consistently delivered 120%+ achievement of sales & recharge targets.
• Strengthened channel performance by optimizing ROI, resolving escalations, and implementing trade schemes.
• Drove customer acquisition and retention increase in active subscriber base.
• Increased retail penetration, ensuring visibility through effective trade marketing & POP execution.
• Mentored sales executives, improving field productivity and reducing churn in retail network.

Role Overview:
Handled device sales & distribution across the state, building strong distribution & retail presence during Jio’s high-growth expansion phase. Responsible for driving market penetration, channel development, and sales activation.

Key Achievements & Responsibilities:

• Achieved rapid market expansion by appointing and managing a wide distribution network of retailers & channel partners.
• Managed 4 distributors & 9 field staff, ensuring JioPhone activations & bundled sales growth & Drove distribution & channel sales in Faridkot Rural, consistently achieving targets.
• Drove device activations and bundled plans, consistently exceeding sales targets.
• Implemented innovative retail activation campaigns, increasing market share by [43]% within the first year.
• Trained & developed sales teams to drive high-volume activations with focus on productivity.
• Strengthened market intelligence by tracking competitor activity and aligning strategies accordingly.

Role Overview:
Led handset sales, distribution, and retail channel operations for Lava mobiles across assigned territory. Focused on driving market share, channel profitability, and retail visibility.

Key Achievements & Responsibilities:

• Managed a strong retail & distributor network, increasing Lava’s market penetration.
• Consistently achieved 120–130% of monthly sales targets through effective channel engagement.
• Implemented retailer schemes & promotional campaigns, driving product visibility and customer demand.
• Trained retailers & promoters on product features, leading to improved conversions.
• Strengthened long-term distributor relationships, ensuring sustainable sales growth.
• Expanded modern trade presence, driving Lava handset sales across key accounts.