Shobhna Arora

• Demonstrating leadership skills through building teams, driving key process metrics, creating superlative work culture, bringing strong customer focus leading to exponential growth
• Responsible to spearhead sales acquisition and operations initiatives with respect to apartment societies and commercial establishments
• Achieved dramatic sales increase by skillfully managing relationships and proactive sales approaches.
• Expanded cross-functional organizational capacity by collaborating across departments on priorities, functions and common goals.
• Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork

• Startup Sold successfully to NoBroker.in Jan, 2020
• Developed key operational initiatives to drive and maintain substantial business growth.
• Negotiated terms of business acquisitions to increase business base, solidify market presence and diversify offerings.
• Conducted target market research to scope out industry competition and identify advantageous trends.
• Drove implementation of new market expansion to propel business forward and adapt to market changes.
• Cultivated forward-thinking, inclusive and performance-oriented business culture to lead industry in innovation and push progress.

AVP, Team Leader North India, Relationship Management/Sales, SME Factoring

• Managing strategic relationships with the clients & internal customers to ensure smooth business flow
• Sales Management -Responsible for revenue generation from existing SME clients by facilitating complete factoring
• Tracking utilization of limits to meet fee based and Net Interest Margin targets  Assessment of Credit and managing the collection of receivables Relationship Management 
• Leading a team of 5 portfolio relationship managers responsible for daily activities 

• Managing a team of 7 on roll employees and 100's of off rolll ; in charge of front line Sales, Credit and Collections
• Managing the entire branch for Sales of Personal loans, Cross selling Life Insurance, Credit Insurance, Mortgage generation
• Cross selling on Sales Finance thereby ensuring robust ANR growth, diversified product mix and profitability
• Credit Underwriting of all High Ticket loans sourced
• Keeping track of delinquent portfolio, loss rates and effective use of collection tool
• Responsible for setting up proper processes and controls as per Citigroup norms and RBI regulation
• Handling Quarterly and Annual quality audits of Citigroup India and Citigroup US as a branch leader of the branch