SUSHIL DABAS
Delhi
Summary
Seasoned consumer lending leader with 13+ years in unsecured retail assets (Personal Loans & Business Loans). Proven record of building high‑performing sales teams, scaling multi‑branch portfolios across Delhi NCR, Punjab and Haryana, and delivering strong YOY growth with disciplined credit hygiene, process TAT, and customer experience. Expert in inbound/outbound channel management, risk & operations coordination, cross‑sell, and stakeholder alignment.
Overview
13
13
years of professional experience
1
1
Certification
Work History
AVP / Regional Sales Manager – Personal Loans
Bandhan Bank Ltd
New Delhi
08.2023 - Current
- Own Personal Loan portfolio across Delhi NCR, Punjab & Haryana; lead a 85‑member on‑roll team across inbound and outbound channels.
- Scaled book size from ₹90 Cr to ₹350 Cr within 24 months; achieved highest SENP revenue in region.
- Drove country‑leading sales‑officer productivity with lowest attrition; instituted rigorous hiring and coaching cadence.
- Strengthened credit hygiene via FCU/CPV discipline and close coordination with Credit & Operations; improved approval TAT and disbursal velocity.
Regional Head – Sales (Personal Loans & Business Loans)
ICICI Bank Ltd
New Delhi
05.2013 - 08.2023
- Expanded from managing PL business of 2 branches to 26 branches in North‑West Delhi; consistently delivered excellent YOY growth.
- Led ~60 Sales Officers and 5 Relationship Managers; maintained low attrition and high productivity across inbound/outbound channels.
- Won multiple Zonal & National PL contests; rated top performer in PL/BIL for several years.
- Interface between branch, credit & operations ensuring seamless TAT, compliance and customer experience.
- Drove cross‑sell of CASA & Credit Cards; integrated insurance with PL to improve overall wallet share.
- Managed month‑end closures effectively; disbursed ~₹1.5 Cr on single day multiple times.
Probationary Officer
ICICI Manipal Academy of Banking
Bengaluru
08.2012 - 04.2013
- Completed 9‑month banking program (3 trimesters): Macroeconomics, Financial Accounting, Products & Operations, Bancassurance, Sales, and ICICI Bank procedures.
- Certified in NSDL & NISM examinations; completed ~150 learning modules via Learning Matrix.
- Soft‑skills training throughout; awarded Post Graduate Diploma in Banking & Finance.
Education
Executive MBA - General Management
Indian Institute of Management Kozhikode
01.2026
MBA - Banking & Finance
Manipal University
01.2015
B.Tech - Electronics & Communication Engineering
Dronacharya College of Engineering, MDU
01.2011
XII - CBSE
Shri Daulat Ram Public School
Delhi01.2007
X - CBSE
Bal Sthali Public School
Delhi01.2005
Skills
- Retail Assets
- Personal Loans
- Unsecured Business Loans
- Sales Strategy
- GTM
- Channel Management
- P&L
- Portfolio Growth
- Revenue Maximization
- Credit/Risk Collaboration
- TAT
- Process Excellence
- Team Leadership
- Hiring
- Coaching
- Attrition Management
- Stakeholder Management
- Branch Relationship Management
- Negotiation
- Objection Handling
- Customer Experience
- Cross-sell
- CASA
- Credit Cards
- Insurance
Certification
- NSDL Certification
- NISM Certification
Awards
- Best debut relationship manager within one month of joining
- Best passion story
- Best RSM – branch banking
- Multiple zonal/national PL contest wins (top in Pan India, 9+ years)
- Consistent recognition for insurance penetration with personal loans
Personal Information
Date of Birth: 03/26/90
Languages
- Hindi
- English
Timeline
AVP / Regional Sales Manager – Personal Loans
Bandhan Bank Ltd
08.2023 - Current
Regional Head – Sales (Personal Loans & Business Loans)
ICICI Bank Ltd
05.2013 - 08.2023
Probationary Officer
ICICI Manipal Academy of Banking
08.2012 - 04.2013
Executive MBA - General Management
Indian Institute of Management Kozhikode
MBA - Banking & Finance
Manipal University
B.Tech - Electronics & Communication Engineering
Dronacharya College of Engineering, MDU
XII - CBSE
Shri Daulat Ram Public School
X - CBSE
Bal Sthali Public School