Sanju Kumari
Mumbai
Summary
I am a dynamic and results-driven professional with strong domain expertise in car loans, EV/automotive finance, and commercial vehicle lending. With a solid foundation in sales, customer behavior, and market insights, I bring a unique, customer-centric perspective to product management. Skilled in strategic planning, cross-functional collaboration, and data-driven decision-making, I leverage on-ground experience to design better financial products, optimize journeys, and enhance portfolio performance. I am passionate about building scalable, insight-led digital lending solutions that improve customer experience, and drive business growth.
Overview
3
3
years of professional experience
1
1
Certification
Work History
Area Business Manager
Mahindra Finance
Mumbai
05.2025 - Current
- Managed sales and business growth for car loans/consumer lending, achieving 111% YoY growth of Non Maruti, generated business of 15 Cr and approx 250 units.
- Used sales data and customer profiling to identify high-performing segments and optimize sourcing strategy.
- Led a team of 4 members to deliver business targets, maintain portfolio quality, and enhance customer relationships.
- Collaborated with risk, operations, and credit teams to reduce TAT, and improve approval rates without compromising risk.
- Developed a strong understanding of customer behavior, market trends, and revenue drivers—now leveraged in analytics & product roles.
Management Trainee- EV AD Loans
Mahindra Finance
Patna
02.2025 - 04.2025
- Collaborated with sales & marketing team to enhance product positioning and branding.
- Developed relationship with dealers and customers to meet business objective. Pitched Product and financing schemes to customers.
Management Trainee - CV Loans
Mahindra Finance
Patna
06.2024 - 01.2025
- Developed and nurtured relationships with dealers, DSAs and customers to enhance market penetration and brand visibility.
- Implemented Customer-centric solutions to derive loan disbursement while maintaining compliance with company policies and regulatory guidelines.
- Analyzed market trends and competitor activities to identify new business opportunities.
- Drove cross-functional collaboration with credit, operations and collections teams.
Marketing Intern
TATA Tele Business Services
Pune
05.2023 - 07.2023
- Product Marketing- Azure, whatsapp business, Internet leased line etc
- Account Management
- Lead Generation
Education
MBA - Marketing
Indira Institute of Management
Pune01.2024
Bachelor's - Computer Application
J D Women's College
Patna01.2021
Skills
- Technical Skills- Excel Power BI Tableau SQL Python(basic)
- Market & Competitor Analysis
- Data & Portfolio Analysis
- Product performance metrics
- Presentation & Problem Solving Skills
- Cross Functional Collaboration
Certification
- Dale Carnegie Certification: Masterclass in Sales & Services
- Digital Marketing Course by Google
- Power BI Certification by Infosys Springboard
Timeline
Area Business Manager
Mahindra Finance
05.2025 - Current
Management Trainee- EV AD Loans
Mahindra Finance
02.2025 - 04.2025
Management Trainee - CV Loans
Mahindra Finance
06.2024 - 01.2025
Marketing Intern
TATA Tele Business Services
05.2023 - 07.2023
MBA - Marketing
Indira Institute of Management
Bachelor's - Computer Application
J D Women's College