Sunil Sharma

• Business Development: Led the overall business growth in the assigned area by identifying new business opportunities

expanding the customer base and driving vehicle finance sales.

• Team Management: Managed a team of branch managers and sales officers, providing guidance, training, and motivation to achieve individual and team targets. Handle 10-12 Team Member
• Loan Portfolio Management: Oversaw the loan portfolio for the area, ensuring high- quality disbursement, maintaining healthy asset quality, and minimizing non- performing assets (NPAs).
• Strategic Planning: Developed and implemented business strategies to meet sales targets and improve market share within the assigned area.
• Customer Relationship Management: Maintained strong relationships with key customers, dealers, and business partners, ensuring high levels of customer satisfaction and loyalty.
• Collections & Recovery: Monitored and managed the collection process across the region, ensuring timely repayment of loans and implementing recovery strategies for delinquent accounts.
• Compliance & Risk Management: Ensured adherence to company policies, regulatory requirements, and risk management practices in all operations within the area.
• Market Analysis & Intelligence: Conducted market research to stay updated on industry trends, competitor activities, and customer needs, using this information to refine business strategies.
• Branch Performance Monitoring: Regularly reviewed branch performance metrics, identifying areas for improvement, and implementing corrective actions to enhance productivity and profitability.
• Cross-functional Collaboration: Coordinated with other departments such as credit, operations, and customer service to streamline processes and resolve any issues affecting business operations.

• Branch Operations Management: Managed day-to-day operations of the branch, ensuring smooth functioning of all financial services, including vehicle financing, customer service, and collections.
• Sales & Business Development: Led sales initiatives to achieve branch targets for loan disbursements (TR,CV,SV), focusing on expanding the customer base and building strong relationships with dealers and clients.
• Customer Relationship Management: Provided exceptional service to customers, addressing their needs and queries, and ensuring high levels of satisfaction and retention.
• Credit & Risk Assessment: Oversaw the credit appraisal process, ensuring thorough evaluation of loan applications to minimize risk while maintaining a strong loan portfolio.
• Collections & Recovery: Monitored loan repayment schedules, managed collections, and implemented recovery strategies for overdue accounts to minimize non- performing assets (NPAs).
• Team Leadership & Development: Managed and mentored the branch team, including sales officers and support staff, providing training and performance feedback to achieve individual and branch goals

• Sales & Business Development: Proactively sourced and secured vehicle finance business by building relationships with customers, dealers, and partners. Promoted the company's financing options to prospective clients.
• Customer Relationship Management: Engaged with customers to understand their financial needs, explain loan products, and provide tailored solutions that match their requirements.
• Lead Generation & Conversion: Identified potential leads through market research, networking, and referrals. followed up on leads to convert them into successful loan applications.
• Target Achievement: Consistently met or exceeded monthly and quarterly sales targets for loan disbursements and customer acquisition.
• Market Research & Competitor Analysis: Conducted market research to stay informed about industry trends, competitive offerings, and customer preferences. Used this knowledge to refine sales strategies and approaches.