Saurabh Kolhatkar

• Target to sell unsecured loans (SEPL, SEBL, SBL, salaried loans), secured loans (LAP, EBL, MEBL), and gold loans.
• Interact regularly with Branch Managers, Area Managers, Branch Sales Managers, and Sales Staff to set targets and achieve required sales.
• Currently managing eight (8) branches of the Nagpur cluster.
• Recruitment, handling, and grooming of the branch managers, branch sales managers, and sales managers in presentation and selling skills.
• Make joint calls with the branch sales team, if required.
• Visit DSA's for getting secured business (LAP, EBL, MEBL, SBL) regularly.
• Work closely with the Regional/Zonal Manager to develop sales strategies, driving sales processes.
• Ensure the flow of accurate and complete processes within the 'steps of sale' is managed effectively and efficiently, information for customer proposals.
• Provide market intelligence in terms of business, product, and proposal.
• Earlier, I was managing the Nasik Cluster Branches from May 2022 to October 2023. Later, I was transferred to the Nagpur Cluster from November 2023.

Key Responsibilities.

• Ensure all reports are consistent in quality: accurate, complete, and on time.
• To lead the team to meet the business targets of revenue and profitability of the branches under the cluster.
• Monitoring the performance of branches in terms of key drivers, i.e. Contributed value: volumes, profitability, expenses, and losses.
• Employee retention.
• Employee productivity.
• Customer experience.
• Manage TATs on credit and processing.
• Minimize pre- and post-disbursal discrepancies.

• Target to sell unsecured loans (SEPL, SEBL, SBL, salaried loans), secured loans (LAP, EBL), and gold loans.
• Handling a team of 1 BCM, 1 CRM, 1 GL executive, 1 BSM, 3 SMs, and 20 SOs/SSOs (on rolls + off rolls), and BOM.
• Recruit and train the Branch Sales Team, and ensure regular revenue generation from them.
• Target Setting and Management – Monitoring Branch Numbers and Targets.
• Profitability Management: Maintaining and optimizing the profitability of branches, responsible for collections from the current bucket to write-off, which includes portfolio quality and collection efficiency (1-24 MOB across all products).
• Portfolio Quality Management: Through superior underwriting, working closely with collections.
• People Management - Recruitment, Motivating the Team, Productivity, Basic Administration of Branches.
• Customer management: Ensuring superior customer experience, customer service, managing collections, service issues, and prepayments.
• Cross-sell of general insurance and loan protector.
• The HR process of timeliness, quality hiring, branch attrition, and retention should be followed.
• TAT of credit should be maintained at all costs.

• Target to sell Loan against Property, Personal Loans, Business Loans, Gold Loans, and Auto Refinance.
• Business sourcing through the sales team, consisting of three sales managers and twenty-one SSOs, and through referrals and DSAs.
• Recruit and train the Branch Sales Team, and ensure regular revenue generation from them.
• Meet productivity metrics on approval-to-disbursal ratios and sales productivity.
• Keeping track of all the field executives and their daily sales reports.
• Cross-selling of products like life insurance and general insurance for reducing the effective cost of operation.
• Responsible for the collection of all the products across all the buckets (1-24 MOB).
• Ensure maintaining the weighted IRR of the branch as set by H.O.

• Target to sell Loan against Property (Mortgages) and Business Loans.
• Business sourcing through referrals, channel partners (DSAs), and mass channels.
• Cross-selling of products like life insurance and general insurance for reducing the effective cost of operation.
• Additionally responsible for ensuring regular EMI and follow-up of premium schedules (1-6 MOB).
• Also, need to handle operations related to disbursement on the system, and operations queries received from Ops.
• Ensure maintaining weighted IRR of Branch as set by H.O.

• Target to sell out personal loans, mortgage loans.
• Recruited and trained the Direct Sales Team of the branch and ensured regular revenue generation from them, managing a team of 10 DSTs.
• Keeping track of all the field executives and their Daily Sales Reports. Providing guidance, training, fixing targets, and motivating the team in the achievement of the allocated targets.
• Additionally, responsible for ensuring regular E.M.I., and follow-up of premium schedules (First 1-6 MOB).
• Ensure maintaining the weighted IRR of the branch, as set by H.O.

• Target to sell out personal loans, mortgage loans.
• Cross-sell of life insurance and general insurance products to a customer.
• Identified opportunities for cross-selling of value-added products.
• Expanded customer base through a variety of effective sales techniques.
• Planned successful marketing strategies, targeting and developing new accounts.