Sandip Lagad
Pune , Baramati
Overview
13
13
years of professional experience
Work History
Cluster Business Manager
IDFC FRIST BHARAT LTD" – Gold Loans
Maharashtra, india
06.2026 - Current
- Enhanced gold loan market share through strategic execution, achieving consistent year-on-year growth.
- Improved gold loan outcomes by managing performance across 34 branches totalling 95 crores AUM.
- Boosted disbursals and cross-selling by coaching sales managers and relationship management teams.
- Strengthened portfolio quality by applying KYC gold valuation and RBI compliance controls.
- Reduced security and operational lapses through branch audits and safe-custody verification.
- Expanded customer base and improved retention via local marketing initiatives and regional sales execution at IDFC FIRST Bharat Ltd.
Cluster Business Manager
Mag FinServ
Pune, Maharashtra
05.2025 - 06.2026
- Spearheaded regional expansion across Maharashtra's key markets, increasing Gold Loan market penetration and customer base significantly.
- Led and expanded Managed Gold Loan portfolios business across Pune Area achieving and surpassing sales targets consistently.
- Established strategic partnerships with local dealers and distributors, improving Gold Loan product accessibility and increasing regional sales penetration.
- Collaborated closely with Operations and Risk departments to streamline processes and maximize profitability across all managed locations.
- Collaborated with cross-functional teams to refine risk assessment protocols, improving loan portfolio quality and minimising default rates in assigned territories.
- Strategically deployed and managed a team of sales professionals to optimize resource allocation and explore new market opportunities.
- Developed and implemented customised sales training programs and compliance protocols, resulting in improved team performance and reduced operational risks.
- Built and nurtured a compliant and high-performance sales culture to enhance profitability and foster employee growth.
- Identified training needs and delivered actionable feedback to senior management, enabling adaptation to market trends and channel dynamics.
- Designed and executed innovative promotional campaigns and contests to boost sales and team motivation within the assigned areas.
- Gold Loan
Sr. Area Manager
Bajaj FinServ
Pune, Maharashtra
08.2022 - 05.2025
- Achieving & exceeding Business goals and targets for Managed gold loan portfolio efficientlys business.
- Established a compliant sales culture that enhanced acquisitions, boosted profitability, and fostered employee development.
- Recruiting and retaining high performers.
- Team management & Grooming of the team to achieve their respective targets.
- Managed deployment of sales professionals across geographical areas, exploring new markets and allocating resources to maximise profitability.
- Manage the Distribution through Dealer relations and servicing the Dealers, and their concerns in an appropriate manner.
- Managing the Delinquency of the business sourced to ensure health of portfolio.
- Ensure 100% Collections.
- Effectively engage Operations & Risk teams to understand and contribute to overall processes & profitability across locations.
- Identifying the need of sales & operation training, analyzing changing market trends, channel deployment etc. Also giving feedback & suggestions to the RSM/NSM.
- Ensure implementation of promotional plans & contests and suggesting new and innovative promotion plan for the area of work.
- Cultivated strong employee relationships and engagement, leading to improved motivation, satisfaction, and overall business results.
- Gold Loan
Branch Head
Muthoot Finance Ltd
Baramati, Pune
12.2013 - 08.2022
- Achieved monthly and quarterly targets for products including Gold Loan, Money Transfer, Foreign Exchange, NCD, and Mutual Fund, contributing to branch growth.
- Generated new business and cultivated strong customer relationships, enhancing client loyalty and retention.
- Providing sound leadership to staff.
- Play a vital role during various stages of customer engagement cycle and provide appropriate resolutions to customer queries.
- Possess in-depth product knowledge (and micro information at branch level) and communicate the same to prospects effectively.
- Ticketing, NCD and Insurance & Gold Coins and to perform various marketing activities to enhance the business of the branch.
- Compiled weekly Fund Plan Report and collaborated with Regional Manager and Corporate finance department to align strategies and objectives.
- Maintain accurate records for designated accounts and share regular updates with the RO.
- Keep abreast with relevant competitor details including pricing, construction activity, key-trends, and market dynamics.
- Perform Foreign exchange transaction & deals with the various currencies like US Dollar, UAE Dirhams, Qatar Rial, Saudi Rial, Australian Dollar, Euro, Oman Riyal, South African Rand, Malaysian Ringgit, Chinese yuan, Canadian Dollar, Swiss Franc, Bahrain & Kuwait Dinar etc.
- Gold valuation, appraisal & document verification before sanctioning Loan.
- Ensuring that the legislation and regulations concerning health and safety including fire regulations are complied with organisations regulations.
- Worked in Baramati, Pune, contributing to local business operations.
Education
G.D C& A -
Maharashtra Board
Pune12-2011
B.Com -
Pune University
Pune01-2013
H.S.C - Commerce
Pune Board
Baramati, MH01-2010
S.S.C - SSC Board
Pune Board
Kashti shrigonda 01-2004
Skills
- Sales Management
- Business Development
- Sales Performance Analysis
- Sales planning
- Portfolio Management
- Customer Relationship Management
- Customer management
- Team Leadership
- Team management
- Training & Development
- Employee Engagement
- Business growth
Languages
English
Elementary
A2
Marathi
Proficient
C2
Hindi
Advanced
C1
Accomplishments
- Best Performer for the year 2020-2021 & 2021-2022 as a Branch Manager for foreign Trip Qualifier in MFL.
Interests
- Stock Market
- Reading Daily Finance News
Timeline
Cluster Business Manager
IDFC FRIST BHARAT LTD" – Gold Loans
06.2026 - Current
Cluster Business Manager
Mag FinServ
05.2025 - 06.2026
Sr. Area Manager
Bajaj FinServ
08.2022 - 05.2025
Branch Head
Muthoot Finance Ltd
12.2013 - 08.2022
G.D C& A -
Maharashtra Board
B.Com -
Pune University
H.S.C - Commerce
Pune Board
S.S.C - SSC Board
Pune Board