Sumit Kumar
Haridwar
Summary
Results-driven sales and collections professional with 8+ years of experience in the financial sector, specializing in two-wheeler loans. Expertise in team management, loan disbursement, sales growth, and recovery operations. Seeking a leadership role in sales and collections to drive business expansion.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Area Head - Two Wheeler
Paisalo Digital Limited
Dehradun,VikasNagar,Haridwar & Roorkee
12.2024 - Current
- Two-wheeler loan disbursement in Dehradun, Vikas-Nagar, Haridwar, Roorkee, Rishikesh UK.
- Driving two-wheeler loan disbursements managing collections leading sales teams expanding market reach and ensuring operational efficiency across UK at Paisalo Digital Ltd.
Business Development Manager - Two-Wheeler
SK Finance Ltd
Haridwar,Dehradun, Roorkee
03.2023 - 12.2024
- Sales & Disbursement: Driving two-wheeler loan disbursements, meeting monthly targets, and expanding business opportunities in the assigned region.
- Team Management: Leading a team of Sales Officers, Relationship Managers, and Collection Executives to ensure efficiency in both loan origination and recovery.
- Dealer & Channel Partner Management: Building strong relationships with dealers, DSA (Direct Selling Agents), and channel partners to increase business volume.
- Customer Service & Retention: Ensuring a smooth loan process, from documentation to vehicle delivery, and handling post-loan service issues.
- Collections & Recovery: Monitoring overdue cases, strategizing recovery efforts, and ensuring NPA (Non-Performing Assets) control.
Team Leader - Two-Wheeler Sales & Collections
Credit Wise Capital Pvt Ltd
Haridwar & Roorkee
07.2021 - 03.2023
- Sales Management-Achieve targets, build dealer/customer relationships, track market trends, and drive promotions.
- Collection Management -Ensure timely EMI follow-ups, minimize delinquencies, and recover overdue accounts effectively.
- Team Supervision - Lead & train RMs and Executives, monitor performance, and enhance efficiency.
- Operational Excellence - Maintain compliance, accurate records, and resolve customer issues.
- Haridwar Focus - Strengthen dealer network, align with regional goals, and ensure 98%+ collection efficiency.
Sales Officer - Two-Wheeler
HDB Financial Services Ltd
Haridwar
08.2017 - 07.2021
- Managing 30-45 loan files per month, ensuring timely loan approvals and disbursements.
- Meeting monthly sales targets by promoting two-wheeler loans to potential customers.
- Working closely with dealers and channel partners to generate leads and boost loan applications.
- Assisting customers with loan applications, explaining eligibility criteria, and verifying required documents.
- Coordinating with the credit team for loan approvals and disbursement.
- Ensuring a hassle-free vehicle delivery process for customers.
- Building and maintaining strong relationships with bike showrooms, dealers, and DSAs to increase loan business.
- Conducting regular visits to partner locations to ensure smooth workflow and address any issues.
- Ensuring timely EMI collections and following up with customers for repayments.
- Assisting in recovery efforts for overdue accounts to maintain portfolio quality.
- Analyzing local market trends, competitor loan offers, and customer preferences to adjust strategies.
- Implementing promotional activities to attract more customers and boost loan penetration.
Education
B.A. -
HNB University
01.2018
12 -
UK Board
01.2015
10 -
UK Board
01.2013
Skills
- CRM
- EMR
- IAM
- Wwise
- Outlook
- Gmail
- ChatGpt
- Excel AI
- Dashboard
Certification
Project Management Assessment, Learmtube.ai
References
- Antriksh Mehta, RSM, SK Finance Ltd - UK & Haryana, 9996666602
- Yogesh Parasar, SH, Paisalo Digital Ltd - North /East, 9459077478
Hobbies and Interests
- Sports
- Travelling
Disclaimer
I hereby declare that the information provided above is true and accurate to the best of my knowledge and belief. I understand that any false or misleading information may result in my disqualification from consideration for the position. I am fully committed to contributing positively to the organization's growth and objectives.
Languages
- English
- Hindi
Personal Information
- Father's Name: Mr. Puran Singh
- Date of Birth: 12/13/97
- Gender: Male
- Nationality: Indian
Timeline
Area Head - Two Wheeler
Paisalo Digital Limited
12.2024 - Current
Business Development Manager - Two-Wheeler
SK Finance Ltd
03.2023 - 12.2024
Team Leader - Two-Wheeler Sales & Collections
Credit Wise Capital Pvt Ltd
07.2021 - 03.2023
Sales Officer - Two-Wheeler
HDB Financial Services Ltd
08.2017 - 07.2021
B.A. -
HNB University
12 -
UK Board
10 -
UK Board
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