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Shivam Ananta Dalvi
Pune
Work Preference
Summary
Results-driven Finance professional with 8+ years of experience across B2B/B2C Sales, Banking, NBFC, Fintech, Credit Operations, KYC/AML, Compliance, Product & Marketing. Experienced in Pan-India operations, dealer/partner management, KYC, and leading 35+ off-roll employees. Skilled in team management, employee productivity, process improvement, risk management, MIS reporting, and management reviews. Currently managing Sales Compliance and KYC Quality Control at Bajaj Auto Credit Limited, driving operational efficiency, compliance, and business performance.
Overview
7
7
years of professional experience
Work History
Executive Manager
Bajaj Auto Credit Limited
Pune
02.2024 - Current
- Manage Pan-India Sales Compliance, KYC & AML operations across the NBFC and vehicle finance lifecycle, ensuring adherence to regulatory and internal policies.
- Lead 35+ KYC & QC team members across hiring, onboarding, performance management, productivity, and daily compliance operations.
- Oversee customer documentation, KYC verification, vehicle RC checks, and pre-disbursement controls within credit and loan operations.
- Monitor Pan-India sales productivity, analyze performance metrics, identify gaps, and implement corrective actions to improve operational efficiency.
- Investigate and resolve MIS-related queries, customer complaints, document tampering, fraud, and sales disputes through root-cause analysis and risk mitigation measures.
- Coordinate with HR and senior management on employee performance, compliance violations, fraud cases, disciplinary actions, and sales-related disputes.
- Develop BRDs and process automation initiatives to strengthen compliance controls, process efficiency, accuracy, and fraud prevention.
- Design and deliver training on RBI KYC Master Directions, AML requirements, and internal compliance policies for Sales, Credit, and Field Operations teams.
- Prepare MIS dashboards and management reports covering KYC, compliance, productivity, risk, and operational performance for senior management review.
- Drive cross-functional process improvement initiatives across Sales, Credit, Operations, and Compliance to enhance efficiency, strengthen controls, and reduce operational risk.
- Coordinated team schedules to keep shifts properly staffed during busy periods.
- Built and deepened relationships with internal and external personnel to enhance client retention and growth plans.
- Communicated with customers and vendors positively with particular attention to problem resolution.
Assistant Manager
Bajaj Auto Finance Limited
Pune
11.2023 - 02.2024
- Conducted market visits, field research, and customer/dealer interactions to understand market requirements and identify opportunities for new vehicle loan products.
- Performed competitor analysis and benchmarking to evaluate interest rates, eligibility criteria, loan schemes, pricing, and promotional offers.
- Designed competitive 2-wheeler and 3-wheeler loan schemes based on market trends, customer requirements, and competitor offerings.
- Developed customized interest rate models, eligibility frameworks, and region-specific promotional strategies to improve product competitiveness.
- Executed region-wise marketing campaigns with channel partners to increase product awareness, adoption, and business growth.
- Analyzed product performance, customer feedback, and market data to improve existing products and support new product development.
Senior Associate
Turno (Blubble Pvt. Ltd.)
Pune
08.2022 - 11.2023
- Sale EV commercial 3-wheeler vehicles for last-mile delivery and cargo applications while managing end-to-end EV loan financing across B2B and B2C customer segments.
- Built and managed a network of 17+ EV commercial vehicle dealers by recruiting, onboarding, and training dealer staff on documentation, loan processing, and customer acquisition.
- Managed sales and collection operations across Pune, Kolhapur, and Goa, ensuring achievement of business targets and effective portfolio management.
- Conducted credit assessments through personal discussions, field visits, and document validation while maintaining low NPA exposure across sanctioned loan cases.
- Managed the collections portfolio and strengthened post-disbursement dealer relationships to sustain healthy portfolio performance in a fast-scaling EV lending startup.
- Generated leads through channel partners, field outreach, and institutional tie-ups, consistently meeting monthly sales and loan disbursement targets.
- Leveraged expertise in EV fintech, commercial 3-wheeler sales, dealer network management, credit assessment, collections, and customer acquisition.
- Led team initiatives to enhance operational workflows and efficiency.
- Trained and supported new team members, maintaining culture of collaboration.
- Analyzed customer data to identify trends and anticipate customer needs.
- Developed and implemented strategies to increase customer satisfaction and engagement.
- Conducted regular reviews of operations and identified areas for improvement.
Senior Associate
Cars24 Services Pvt. Ltd.
Pune
11.2021 - 08.2022
- Managed used car sales and end-to-end vehicle finance — streamlined loan underwriting, created proposals, and coordinated with NBFC and banking partners for timely disbursements.
- Handled inventory management and customer engagement — enhanced acquisition and retention through structured follow-ups and solution-based selling.
- Facilitated seamless B2C car buying and financing experience — ensured compliance and documentation requirements were met prior to disbursement.
- Fintech
- Used Car Sales
- Vehicle Finance
Relationship Manager
Sai services pvt Ltd
Pune
06.2019 - 09.2021
- Sold Maruti Suzuki passenger and commercial 4-wheeler vehicles across B2B and B2C channels — consistently exceeded monthly sales targets by implementing effective sales strategies.
- Managed the full customer lifecycle: prospecting, test drives, financing coordination, documentation, and post-sale relationship management.
- Identified upsell and cross-sell opportunities (accessories, insurance, extended warranties) — enhanced per-customer revenue and elevated customer satisfaction through tailored solutions.
- Developed a loyal referral network through proactive follow-up and personalised service — generated significant new business from existing customer referrals.
- Automobile
- 4W Sales
- B2B & B2C
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
Education
MBA - Finance & Marketing (Dual Specialization)
Jain University
BengaluruB.Com - Commerce
Marathwada Mitra Mandal's College of Commerce
PuneSkills
- Sales Compliance Management
- KYC / AML Quality Control
- Product & Marketing
- Fraud Detection & Prevention
- Revenue & Target Achievement
- Business Development
- B2B & B2C Sales Leadership
- Team Leadership (35 Members)
- Dealer Network Development
- Collections Management
- Credit Underwriting & Risk
- RBI / NBFC Compliance
- Banking & Finance, fintech operations
- MIS Reporting & Dashboards
- Process Improvement & BRDs
- Customer Onboarding & CDD
- EV Commercial Vehicle Sales
- 4-Wheeler Vehicle Sales
- Used Car Sales & Finance
- Stakeholder Management
- KYC protocols
- Relationship management
- Market analysis
- Product development
- Team leadership
Accomplishments
- Monitor PAN India sales employee productivity at Bajaj Auto Credit — own the full disciplinary workflow including warning letters, performance improvement plans, and work closure actions for sales fraud, disputes, and compliance violations.
- Built a 17+ EV commercial 3-wheeler dealer network from scratch at Turno — drove significant B2B and B2C disbursement portfolio growth in India's fast-growing commercial EV finance segment.
- Consistently achieved monthly sales targets at Sai Service (Maruti Suzuki) — sold passenger and commercial 4-wheeler vehicles across B2B and B2C channels with high customer retention.
- Managed end-to-end used car sales, credit underwriting, and finance at Cars24 — drove loan disbursements in coordination with NBFC and banking partners.
- Led a 35+ member KYC & QC team at Bajaj Auto Credit — sustained 100% RBI audit compliance with zero major regulatory violations across all review cycles.
- Spearheaded a KYC remediation project with 45 off-role team members — delivered full regulatory compliance within committed timelines; now the standard operating model.
- Designed and deployed MIS dashboards at Bajaj Auto Credit — reduced reporting turnaround by ~40% and strengthened operational visibility at leadership level.
- Raised and executed 5+ BRDs for process automation — reduced documentation errors and fraud exposure across the loan sales lifecycle.
Dob
04/23/99
Tools
- MS Excel (Advanced)
- Google Suite
- CRM Platforms
- MIS & Dashboard Reporting
Location
Pune, Maharashtra
Languages
- Marathi (Native)
- Hindi (Fluent)
- English (Proficient)
Timeline
Executive Manager
Bajaj Auto Credit Limited
02.2024 - Current
Assistant Manager
Bajaj Auto Finance Limited
11.2023 - 02.2024
Senior Associate
Turno (Blubble Pvt. Ltd.)
08.2022 - 11.2023
Senior Associate
Cars24 Services Pvt. Ltd.
11.2021 - 08.2022
Relationship Manager
Sai services pvt Ltd
06.2019 - 09.2021
MBA - Finance & Marketing (Dual Specialization)
Jain University
B.Com - Commerce
Marathwada Mitra Mandal's College of Commerce