SANJIV KUMAR SINHA
Summary
Visionary Banking & Financial Services Executive with 27 years of experience in mortgage, housing finance, and retail asset management. Led business scaling and transformation initiatives across multiple regions, managing extensive mortgage portfolios and driving significant growth.
Overview
28
28
years of professional experience
Work History
Sr. Vice President - II , ROH Home Loan -North -2
HDFC Bank
Chandigarh
07.2023 - Current
- Leading large-scale home loan operations across North-2.
- Driving operational excellence, customer experience, compliance, digitization and automation initiatives across the home loan business.
- Heading Digital transformation / Automation in the Home Loan journey
- Managing book size of over 55000 Cr
- Ensuring faster turnaround time and excellent service
- Fostered relationships with key stakeholders to drive business growth and collaboration.
- Mentored senior managers to develop leadership skills and improve team performance.
- Championed digital transformation projects to enhance customer engagement and accessibility.
- Facilitated organizational change initiatives to align with evolving market demands and goals.
- Coordinated with leadership to develop and implement organizational strategies and promote progress towards business objectives.
- Conducted regular reviews of business operations, identified areas for improvement, and proposed solutions.
- Recruited, trained, mentored, and evaluated staff members in order to optimize their effectiveness.
- Coordinated with IT department to implement new technologies and systems enhancements.
- Reported to executive leadership on performance metrics, challenges, and strategic opportunities.
Business Head - Mortgage Division / Joint General Manager
eHDFC Ltd
07.2008 - 06.2023
- Led end-to-end mortgage business with responsibility for growth, profitability and market leadership.
- Managed sales, credit, operations, collections and distribution channels while building strong builder, DSA, corporate and HNI networks.
- Led strategic planning initiatives to align business goals with market trends.
- Managed cross-functional teams to enhance operational efficiency across departments.
- Analyzed market data to identify growth opportunities and inform decision-making processes.
- Identified new markets and opportunities for growth in existing markets.
- Planned marketing campaigns to generate leads and increase sales revenue.
- Developed and implemented strategies for increasing market share, profitability, and customer satisfaction.
- Implemented innovative marketing strategies to increase brand awareness and drive sales growth.
Regional Business Head - Home Loans
ICICI Bank
New Delhi / Jaipur
07.2006 - 06.2008
- Managed regional mortgage business across NCR and Rajasthan, driving market expansion and builder relationships.
- Managed overall housing loan business in the region.
- Lead direct sales team and ensuring annual business number achievement
- Developed and implemented strategic business plans to capture larger market share
- Implemented innovative marketing strategies to increase brand awareness and drive sales growth.
- Manage distribution channel and handholding them for consistent performance
Home Loan Team Lead (North-2)
HDFC Bank
Chandigarh
01.2003 - 06.2006
- Established the Home Loan business in North-2 from inception and built high-performing sales teams.
- Managed overall north -2 home loan sales team and ensured consistent performance
- Ensuring leadership position in the market with excellent corporate , builder and channel management
Territory Manager - NCR
Birla Home Finance Ltd.
01.1998 - 01.2003
- Developed and expanded mortgage business channels across NCR to increase market reach.
Education
MBA - Marketing
BIT Mesra
B.Sc.- Mathematics -
BRA University
Executive Programs - Digitalisation & Data Science
IIM Ahmedabad & IIM Bangalore
Leadership Workshops -
National & International Programs
ALUMNI - Digital Transformation
IIM AHMEDABAD
Skills
- Sales strategy
- Risk management
- Strategic planning
- Data-driven decision making
- Digital transformation
- Partnership development
- Relationship building
Key Career Highlights
- Managed Mortgage Portfolio of n55,000+ Crore
- Delivered Annual Disbursements of n15,000+ Crore
- Consistently Achieved 25%+ Annual Growth
- Led PAN-India Digital Transformation Initiatives
- Managed Businesses Across NCR, Rajasthan, Punjab, Haryana, HP, Chandigarh, North-East & Eastern India
Education And Executive Development
- MBA, Marketing, BIT Mesra
- B.Sc., Not specified
- Alumni, IIM Ahmedabad
- Executive Programs, IIM Ahmedabad & IIM Bangalore, Digitalisation & Data Science
- Leadership Workshops, National & International Programs
Accomplishments
- Designed and framed the LAP Loan Policy for eHDFC Ltd.
- Built multiple high-performing teams from scratch.
- Consistently delivered double-digit business growth with market leadership.
- Led transformation, automation and process excellence initiatives.
- Established strong builder, corporate and HNI ecosystems.
Core Leadership Strengths
- Business Strategy & Growth
- P&L Management
- Mortgage & Housing Finance
- Sales & Distribution Leadership
- Market Expansion
- Digital Transformation
- Builder & Developer Management
- Corporate Alliances
- HNI Relationship Management
- Team Building & Succession Planning
Executive Profile - Summary
Senior Banking & Financial Services Executive with 27+ years of experience across Mortgage, Housing Finance, LAP, Retail Assets and Distribution Management. Proven track record in scaling businesses, driving growth, leading large teams and delivering transformation across multiple regions. Managed mortgage portfolios exceeding n55,000 Crore and annual disbursements exceeding n15,000 Crore while consistently delivering market-leading growth.
Languages
English
Proficient
C2
Hindi
Proficient
C2
Timeline
Sr. Vice President - II , ROH Home Loan -North -2
HDFC Bank
07.2023 - Current
Business Head - Mortgage Division / Joint General Manager
eHDFC Ltd
07.2008 - 06.2023
Regional Business Head - Home Loans
ICICI Bank
07.2006 - 06.2008
Home Loan Team Lead (North-2)
HDFC Bank
01.2003 - 06.2006
Territory Manager - NCR
Birla Home Finance Ltd.
01.1998 - 01.2003
MBA - Marketing
BIT Mesra
B.Sc.- Mathematics -
BRA University
Executive Programs - Digitalisation & Data Science
IIM Ahmedabad & IIM Bangalore
Leadership Workshops -
National & International Programs
ALUMNI - Digital Transformation
IIM AHMEDABAD