Satyajit Kar
Bhubaneswar
Summary
Having around 10 years of experience in mortgage loan sales, seeking a career with a progressive organization, where I can integrate my skills, knowledge, abilities and experience which I have gained during these years, thereby contributing towards the organizational as well as individual development.
Overview
9
9
years of professional experience
Work History
Territory Business Manager
ICICI Home Finance Company Ltd.
Bhubaneswar
04.2023 - Current
- Recruited and trained new employees to meet job requirements
- Provided ongoing training and mentorship to team members on effective selling techniques
- Provided leadership, insight and mentoring to newly hired employees to supply knowledge of various company programs
- Delegated work to staff, setting priorities and goals
- Planned and led team meetings to review business results and communicate new and ongoing priorities
- Collaborated with cross-functional teams including marketing, operations, finance, and product management to ensure alignment on goals and objectives
- Participated in regular meetings with senior leadership team to review progress against goals
- Developed and implemented sales strategies for assigned territory to reach maximum profitability
- Conducted regular meetings with channel partners to ensure smooth operations and successful delivery of products.
Cluster Business Manager
Vistaar Financial Services Pvt. Ltd.
Bhubaneswar
08.2021 - 03.2023
- In this job role I was handling 5 branches of Odisha (Bhubaneswar, Cuttack, Bhadrak, Balasore, Brahmapur) & managing a team size of 40 members including 5 branch managers
- Monitored sales team performance and provided effective training to help each reach targets
- Planned, developed and implemented sales strategies in the assigned region
- Implemented innovative approaches for increasing brand awareness among target audience
- Created detailed reports on regional sales performance for management review
- Conferred with merchants and developed partnerships to capitalize on new sales opportunities.
Branch Manager
Vistaar Financial Services Pvt. Ltd.
Bhadrak
09.2018 - 07.2021
- Directed daily operations of the branch, including customer service, human resources, sales and marketing activities
- Managed staff scheduling, hiring and training processes
- Reviewed loan applications to ensure accuracy and compliance with regulations
- Boosted customer base, acquiring new customers and identifying needs to deliver relevant products
- Established strong working relationships with external partners such as vendors and suppliers
- Resolved escalated customer complaints in a timely manner
- Monitored financial performance of the branch on a monthly basis
- Provided guidance and support to team members regarding problem resolution and customer service issues.
Relationship Manager
Magma Housing Finance Ltd.
Bhubaneswar
05.2018 - 09.2018
- I was responsible for handling the channel partners of Bhbaneswar & Cuttack location
- Conducted regular meetings with channel partners to ensure smooth operations and successful delivery of products
- Organized training sessions for channel partners on new product launches and updates
- Established relationships with key customers in order to generate more business opportunities.
Loan Officer (Home Loan)
Ujjivan Small Finance Bank Ltd.
08.2017 - 02.2018
- Managing sourcing of HL & LAP business through channel partners & from open market activities
- Tracked and managed new leads and followed up on referral business
- Delivered high levels of customer service to facilitate smooth processes
- Met with applicants to obtain information for loan applications and answer questions about processes
- Developed and maintained relationships with potential customers to increase loan business.
Executive Trainee (Credit & Operations)
SPHM Pvt. Ltd.
Bhadrak & Balasore
12.2014 - 07.2017
- Posted in Bhadrak & Balasore location for credit underwriting of Micro HL cases
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt se
Education
PGDM - Finance & Marketing
New Horizon Leadership Institute
01.2012
B Com -
BNMA College
01.2009
+2 - Science
Tihidi College
01.2006
10th -
CRS High School
01.2004
Skills
- Achieving Sales Target - Increasing sales volume through proper planning and implementation, keeping the team motivated to maintain excellent portfolio quality
- Business Expansion- Carrying out market surveys, Conceptualizing and implementing competent strategies with a view to penetrate new areas and expand existing ones for a wide range of products / services
- Team Handling- Ensuring team satisfaction through encouraging growth, motivation and skill development
- Portfolio Management- Ensuring a positive increase in portfolio by maintaining the quality
- Recovery & Delinquency Management- Ensuring 100% repayment without any policy deviations Ensuring excellent portfolio quality
- Recruitment/Retention and Training- Recruiting Branch Managers, Sales Managers and conducting training to maintain a pool to complement growth plans and attrition rate Retention of good resource
- Customer Relationship Management- Monitoring the overall functioning of processes, identifying improvement areas and implementing adequate measures to maximize customer satisfaction level
- Competitive Analysis - Working closely with existing clients to identify their varied need, hence increase cross selling opportunity Analyzing marketing trends and tracking competitor's activities and providing valuable inputs for product enhancement and fine tuning sales and marketing strategies
- Monitoring and Fraud Control - Implementing systems, policies and procedures; handling administration and daily operations of branches including operations, lending, product sales, customer service and security & safety Monitoring process compliances Adherence to budgeted cost or cost control
- Retail Financing-Handling retail financing activities as well as involved in cross-selling of the financial and non-financial products to existing low income customers to enhance product portfolio
- Compliance - Ensuring statutory compliances and RBI guidelines are met
- Reporting and MIS-Maintaining a smooth flow of reports and MIS to the Reporting management
- Working Experience on MSO's (Multi Service Organization) Online Software
- MS-Office: MS-Word, MS-Excel and MS-PowerPoint
- Operating System: Windows 95/98, XP, 2000 and Linux
Personal Information
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Languages
- English
- Hindi
- Odiya
Timeline
Territory Business Manager
ICICI Home Finance Company Ltd.
04.2023 - Current
Cluster Business Manager
Vistaar Financial Services Pvt. Ltd.
08.2021 - 03.2023
Branch Manager
Vistaar Financial Services Pvt. Ltd.
09.2018 - 07.2021
Relationship Manager
Magma Housing Finance Ltd.
05.2018 - 09.2018
Loan Officer (Home Loan)
Ujjivan Small Finance Bank Ltd.
08.2017 - 02.2018
Executive Trainee (Credit & Operations)
SPHM Pvt. Ltd.
12.2014 - 07.2017
PGDM - Finance & Marketing
New Horizon Leadership Institute
B Com -
BNMA College
+2 - Science
Tihidi College
10th -
CRS High School
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