ROSHAN MISHRA
Mumbai
Summary
Accomplished Head of Pre-Sales & Consulting for commercial Bureau with extensive experience in leading pre-sales strategies and analytics for CRIF Solutions, Mumbai. Demonstrates expertise in developing credit-risk models and driving business expansion through strategic planning and product development. Proven track record in enhancing sales by playing a role of Pre Sales consultant for all Credit Bureau products at Transunion CIBIL and optimising Product Management , credit Underwriting, Business Development & expansion at at Annapurna Finance Pvt. Ltd. Skilled in Pre Sales & consulting, data analysis, risk management, Sales Pitch, and regulatory compliance, with a focus on supporting sales teams to drive revenue growth and improve portfolio quality. Career goals include furthering expertise in pre-sales strategy development and continuing to lead high-performing teams towards achieving business objectives.
Overview
3
3
Languages
11
11
years of professional experience
Work History
Head, Pre-Sales & Consulting- Commercial Bureau at
CRIF Solutions
Mumbai, Maharashtra
09.2025 - Current
- Pre-Sales Strategy: Develop and implement a scalable pre-sales strategy that supports business objectives and drives sales success. Align pre-sales activities with the broader sales and marketing strategy to ensure cohesive customer engagement.
- Led, mentored, and managed the pre-sales team, providing high-quality technical support and guidance during the sales process. Oversaw recruitment, development, and performance of the team.
- Developed pre-sales strategies and industry-specific value analyses, enabling effective team support of sales and facilitating deal closures.
- Analytics is the core offerings- Driving the Analytical aspects of the sales process covering all Bureau solutions, working closely with the sales, product, and customer success teams to ensure potential customers fully understand the value of our solutions.
- Partnered with sales team to understand customer requirements and define solution proposals, supporting sales process through analytical and consulting engagement, including in-person meetings with CXO and executive-level stakeholders.
- Tracked pre-sales performance and analysed metrics including win rates and deal conversion. Collaborated with sales team to enhance revenue by targeting zero billers and improving billing for existing members through value analysis on new products.
AVP, Product Management, Pre Sales, Analytics at
Transunion CIBIL
Mumbai, Maharashtra
05.2021 - 09.2021
- Led end-to-end portfolio, demand and originations analysis across members, peers, cohorts and industry for banks, NBFCs, MFIs.
- Developed credit-risk models leveraging trended lending and borrower attributes, facilitating product expansion and enabling targeted cross-selling.
- Supported sales from pitch to contract through data-backed analysis and validation of solutions, enhancing client engagement.
- Supported valuation, deal structuring and execution for lender engagements.
- Led executive presentations for monthly and quarterly flagship member engagement programmes, including Bharat assessment models, driving strategic discussions.
- Increased client satisfaction ratings by implementing strategic sessions across various lending sectors. Led strategy sessions that increased client satisfaction ratings by 35% across various lending sectors.
AVP, Product Management, MSME, Individual Loans (Secured & Unsecured)
Annapurna Finance Pvt. Ltd
Bhubaneswar, Odisha
05.2015 - 05.2021
- Led end-to-end product design: stakeholder research, cross-functional coordination, rollouts, investor and senior-management presentations, and periodic policy reviews.
- Developed and maintained credit and underwriting policies and documentation; provided escalated credit decisions while ensuring compliance with legal and fraud standards.
- Forecasted product-wise Net Credit Loss (NCL) monthly; monitored portfolio quality, delinquency, triggers, collections, and branch performance via MIS.
- Optimized credit origination processes, documentation, and expenses; partnered with IT, compliance, and support teams to implement system improvements.
- Prepared financial projections and business plans; conducted break-even and cost-benefit analyses, establishing branch targets and budgets for improved financial performance.
- Partnered with business, Risk Control, and Internal Audit to set audit parameters, finalize risk categorization, and guide market selection and sales zoning.
- Designed credit and product manuals and annual reports; developed training content and delivered credit, MSME, and operations training to staff.
- Enabled branches with legal, documentation, DPD, and LRN processes; managed investor due diligence and data requests to ensure compliance and operational efficiency.
Education
PGDM - Rural Management, Financial Management
Xavier Institute Of Management, Jabalpur ( XIMJ)
01-2015
Bachelor of Business Administration - Finance
Mrs KMPM Vocational College
Skills
- Sales opportunity development
- Data crunching, Data analysis using MS Office, SQL, R
- Team leadership
- Strategic planning
- Credit risk modelling
- Product development
- Sales team management
- Comprehensive risk analysis
- Business cost analysis
- Policy documentation
- Regulatory compliance and Investors handling
- Portfolio Performance Monitoring
- Comprehensive business analysis
- Stakeholder engagement
- Market Analysis Techniques
LANGUAGES
English Proficient
Hindi Proficient
Oriya Proficient
Websites, Portfolios, Profiles
https://www.linkedin.com/in/roshan-mishra-029942156
Timeline
Head, Pre-Sales & Consulting- Commercial Bureau at
CRIF Solutions
09.2025 - Current
AVP, Product Management, Pre Sales, Analytics at
Transunion CIBIL
05.2021 - 09.2021
AVP, Product Management, MSME, Individual Loans (Secured & Unsecured)
Annapurna Finance Pvt. Ltd
05.2015 - 05.2021
PGDM - Rural Management, Financial Management
Xavier Institute Of Management, Jabalpur ( XIMJ)
Bachelor of Business Administration - Finance
Mrs KMPM Vocational College