Ritu Singh
Banker
Andheri East
Summary
Sales oriented and Service minded manager with broad experience in retail lending of mortgage and Unsecured loan business. Driven to exceed sales goal with motivational and persuasive style. Proficient in team management, Multi-tasking and problem solving skills.
Overview
11
11
years of professional experience
Work History
National Sales Manager( Home Loan)
Bajaj Housing Finance
04.2023 - Current
- Handling HL Business for connector vertical for Mumbai, Pune, Ahmedabad and Bangalore Region.
- Implemented rigorous performance metrics to assess team progress and drive accountability, leading to continued success in revenue generation.
- Established strong partnerships with channel partners for seamless distribution of products across various regions.
- Enhanced communication within the sales team through regular meetings, updates, and training sessions.
- Participate in the recruitment process to identify right talent for various position within the business.
- created working plan for HL business scale up with profitability for meeting defined targets.
- manage key variables like rates,pf, payout and deviation approval for the product.
Senior Regional Head- Mortgage
SBI CAP SECURITIES LTD
- Leading a team of Regional Heads, Cluster Heads, Sales managers and executives to drive business via channel partners, connectors and branch banking
- Currently handling a team of 450 plus employee and generating month on month business of 500-600 crores+ volume
- Responsibilities include development, preparation and promotion of home loan products
- Monitoring cross sell and fee based income earning targets
- Recruit and manage team members and assist them in achieving their targets
- Preparing and maintaining various MIS reports for the reference of top management
- Ensure the achievement of given business target
- Training both the internal and external stakeholders to have a complete product knowledge and policies.
State Head(Mortgage)
IDFC first bank ltd.
- Leading a team of SM, RMs and SO to drive business via channel partners and connectors
- Handle various mortgage loan products and implement strategies towards enhancing market penetration and business volume
- Timely coordination with credit and operation team so that policy and process are adhered to
- Monitoring cross sell and fee based income earning targets
- Keep a watch on the delinquency bucket and take corrective action with collection team to resolve it.
Area sales manager (unsecured loan)
IDFC first bank
- Leading a team of RMs to drive business via channel partners and connectors for unsecured business loan
- Empaneling new channel partners across Mumbai and build professional relationship across channels
- Keep a close watch on the delinquency bucket and take corrective action
- Preparing and maintain various mis reports for the reference of top management.
Relationship Manager (Unsecured loan)
IDFC first bank
- Leading a team of three off role employees to source unsecured business loan from channel partners and connectors
- Continuously meeting existing channels and empaneling/tie up with new channel partners
- Ensured authenticity of information through verification report and documentation for credit decision.
Sales manager
Kotak Mahindra Prime
08.2014 - 08.2015
- Generating the refinance business by providing the unsecured loan to the prospects
- Develop new business associates/DSA and empanel them
- Recruiting DSTs and assisting them in achieving their targets and driving them towards company goal
- Conduct product training and manage sales personnel
- Track performance of channels and DSTs at regular interval with respect to the business plan and take actions to achieve the targets.
Senior Associates (Corporate sales)
CITI bank NA
12.2012 - 06.2014
- Performing acquisition of HNI clients through institutional tie-ups and retail sourcing
- Providing a complete banking proposition to the customers by understanding their needs
- Handling variety of products especially in Gold/Premium segments like banking accounts/ Card/PL/Mortgage and providing comprehensive information on product feature value and service charges
- Identifying point of origination for new business development, micro marketing events and developer engagements
- Consistently exceeding revenue targets and individual products objective.
Education
PGDM-sales and brand management -
Genesis institute of business management
Graduation-B.com - undefined
Genesis college of commerce(Pune university)
Skills
Microsoft Office
undefinedAccomplishments
- Promoted as Senor Regional head from Regional head in September 2022 in SSL.
- Promoted as State head mortgage in June 19 from ASM in IDFC first bank ltd.
- Promoted as ASM in march 18 from Relationship manager IDFC First bank.
- In FY 19 for three consecutive months pan India I was ranked no 1 ASM in IDFC first bank ltd.
- Got three grade promotion to manager, senior manager and chief manager in IDFC first bank ltd.
- I am the only SM/ASM to get 5 rating in three consecutive years FY 17, FY 18 and FY 19.
- I am the only one who got grade promotion during covid pandemic.
- Awarded Ace of the month, HDFC LIFE insurance award for highest selling insurance, won foreign trip contest for qualifying contest.
- Figured in top 5 ASM in FY 19 on pan India level.
- During stint in CITI bank NA I was one among the three person in complete MT batch of 31 who got promoted as senior associate from banking executive.
Timeline
National Sales Manager( Home Loan)
Bajaj Housing Finance
04.2023 - Current
Sales manager
Kotak Mahindra Prime
08.2014 - 08.2015
Senior Associates (Corporate sales)
CITI bank NA
12.2012 - 06.2014
Senior Regional Head- Mortgage
SBI CAP SECURITIES LTD
State Head(Mortgage)
IDFC first bank ltd.
Area sales manager (unsecured loan)
IDFC first bank
Relationship Manager (Unsecured loan)
IDFC first bank
PGDM-sales and brand management -
Genesis institute of business management
Graduation-B.com - undefined
Genesis college of commerce(Pune university)
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