Summary
Overview
Work History
Education
Skills
Interests
Timeline
Generic

Satyan Raval

Area Head | Tractor,Agri & Vehicle Finance | Sales, Collections & Portfolio Leadership | 13+ Years In NBFC & Banking
Mehsana,Gujarat,GJ

Summary

Finance and sales leader with 13+ years of progressive experience in Tractor, Equipment, and Vehicle Finance across multiple NBFCs and Banks. Expertise in driving sales, collections, portfolio management, and team leadership. Proven track record in launching new products, achieving top rankings Pan India, and building high-performing teams. Skilled in dealer management, customer acquisition, cross-selling financial products, and maintaining healthy and profitable loan portfolios.

Overview

13
13
years of professional experience
3
3
Languages

Work History

Area Head, Tractor Loans (Agri)

IDFC First Bank Ltd.
04.2022 - Current
  • Lead sales, collections, and profitability for Tractor & Equipment Finance across Gujarat.
  • Manage teams, target achievement, dealer/customer engagement, and compliance.
  • Build strong relationships with manufacturers, dealers, and channel partners.
  • Implement local schemes, conduct training, and oversee portfolio health.

Key Achievements:

  • Launched Tractor Finance product in Gujarat, achieving rapid market penetration.
  • Maintained NIL non-starter accounts and zero collection delinquency.
  • Ranked No.1 Cluster Head Pan India Q1 FY 2024–25; appreciated by Business Head.

Area Manager, Machines Vertical

SK Finance Limited
09.2020 - 04.2022
  • Managed sales, collections, and operations for Tractor, Used Car, LCV, HCV, Construction Equipment & Machines.
  • Maintained dealer relationships and ensured portfolio quality.

Key Achievements:

  • Achieved 50–60% monthly penetration in disbursal units, ranked No.1 Area Manager in Gujarat.
  • Managed a large team, ensuring high productivity and collection efficiency.

Cluster Manager, Used Tractor Finance

IndusInd Bank Ltd.
09.2018 - 09.2020
  • Drove cluster-level sales, collections, and profitability; led regional sales team.
  • Managed sourcing, valuation, and dealer engagement.

Key Achievements:

  • Qualified for International Incentive Trip within 9 months.
  • No.1 Cluster Manager Pan India Q1 & Q3 FY 2018–19; No.1 in Gujarat for 2 consecutive years.
  • Maintained healthy portfolio with highest collection efficiency.

Area Sales Manager, Farm Equipment Finance

L&T Financial Services Ltd.
11.2016 - 08.2018
  • Managed sales, collections, and operational excellence for new and used tractor finance.

Key Achievements:

  • Reduced non-starter cases from 198 to 23 in 7 months, and increased business from 4 to 148 files per month.
  • Developed the Kutch District into a productive business area within five months.

Senior Sales Officer

Mahindra & Mahindra Financial Services Ltd.
06.2013 - 10.2016
  • Managed sales for tractors, cars, LCVs, HCVs, 2Ws/3Ws, construction equipment, and gensets.

Key Achievements:

  • Promoted to on-roll employment within six months.
  • Awarded Best Executive of the Year for Direct Marketing Products.
  • Recognized for the fastest resolution of NPA cases across cross-products.

Education

MBA (Distance, Pursuing) -

Sikkim Manipal University
09-2025

Manager Development Program - Developing Leadership Competence

Institute of Rural Management Anand
Anand
09-2024

Bachelor of Arts (B.A.) - undefined

Hemchandracharya North Gujarat University
Gujarat
01-2009

Skills

Sales & Business Development

Team Leadership & Mentoring

Dealer & Channel Management

Portfolio & Collection Management

Expert in launching new business vertical, accelerating market penetration, and streamlining operations to build scalable and profitable portfolios

Interests

Play - Badminton & Cricket, and Traveling

Timeline

Area Head, Tractor Loans (Agri)

IDFC First Bank Ltd.
04.2022 - Current

Area Manager, Machines Vertical

SK Finance Limited
09.2020 - 04.2022

Cluster Manager, Used Tractor Finance

IndusInd Bank Ltd.
09.2018 - 09.2020

Area Sales Manager, Farm Equipment Finance

L&T Financial Services Ltd.
11.2016 - 08.2018

Senior Sales Officer

Mahindra & Mahindra Financial Services Ltd.
06.2013 - 10.2016

Bachelor of Arts (B.A.) - undefined

Hemchandracharya North Gujarat University

MBA (Distance, Pursuing) -

Sikkim Manipal University

Manager Development Program - Developing Leadership Competence

Institute of Rural Management Anand
Satyan RavalArea Head | Tractor,Agri & Vehicle Finance | Sales, Collections & Portfolio Leadership | 13+ Years In NBFC & Banking