Umang Kumar
Used Car Loan Finance
Lucknow,Uttar Pradesh
Summary
MBA (Marketing) from Institute of Management studies, BHU, Varanasi and B.Sc. (Hons.) Botany from Institute of Science, BHU, Varanasi Working with PIRAMAL FINANCE, LUCKNOW since OCTOBER'23 as Sales Manager, in USED CAR LOAN Worked with AXISBANK, IDFC FIRST BANK, INDUSIND BANK(CV-CE), MAHINDRA FINANCE in areas Like Gorakhpur, Lucknow, Mau & Muzaffarpur with over 8 years of experience in Auto division loan/CV CE/USED CAR LOAN Planner with abilities in devising sales strategies for accelerating business growth Skilled in initiating & developing relationships with key decision makers in target organizations for business development and revenue generation Experience of implementing sales strategies to achieve periodical targets with a view to optimize revenue from primary as well as secondary sales A team player with the ability to work in multicultural environments
Overview
10
10
years of professional experience
1
1
Certification
Work History
Sales Manager
PIRAMAL CAPITAL & HOSING FINANCE LIMITED
10.2022 - Current
- Ensure business volume of Used Cars from the Channel Partner i.e
- Dealers & DSA
- Maintaining desired IRR & keeping delinquency under control by sourcing the right business
- Channel management & channel empanelment as a consistent activity
- Till now 13 channels have been empaneled
- Maintaining take up ratio at desired level
- Ensure TAT at desired level
- One of the current focuses is to grow the used car business
- Looking after collection of soft Bucket upto 3 bkt
Sales Manager
Axis Bank Ltd.
06.2021 - 09.2022
- Ensure business volume of Used Cars from the Channel Partner i.e
- Dealers & DSA
- Maintaining desired IRR & keeping delinquency under control by sourcing the right business
- Channel management & channel empanelment as a consistent activity
- Ensured TAT at desired level
- One of the current focuses is to grow the used car business
Sales Manager
Idfc First Bank Ltd.
11.2018 - 04.2022
- Ensure business volume of Used Cars from the Channel Partner i.e
- Dealers & DSA
- Maintaining desired IRR & keeping delinquency under control by sourcing the right business
- Channel management & channel empanelment as a consistent activity
- Ensure TAT at desired level
- One of the current focuses is to grow the used car business
Branch Manager(Commercial Vehicle)
Indusind Bank Ltd.
10.2017 - 11.2018
- Achievement of Quarterly Business target through sales of vehicle loans
- Clients include SENP (Self Employed Non Professional), Agriculturists, Earn & pay & transporters
- Handling activities to generate leads & ensuring conversion of that leads
- Ensuring compliance of cash management
- Coordinating the entire process from login, underwriting, sanction & disbursal, PDD updation
- Cross selling of Insurances
Area Business Manager, Operations
Mahindra & Mahindra Financial Services
Muzaffarpur
07.2016 - 10.2017
- Achievement of Quarterly Business target through sales of vehicle loans
- Clients include SENP (Self Employed Non Professional), Agriculturists, Earn & pay & SEP (Doctor & CA)
- Handling activities to generate leads & ensuring conversion of that leads
- Coordinating the entire process from login, underwriting, sanction & disbursal
- Cross selling of FD, Insurance & SIPs
Business Manager (Auto Loan / M&M vehicles)
Mahindra & Mahindra Financial Services
Muzaffarpur
07.2015 - 06.2016
- Heading smart branch opened for providing exclusive service to Mahindra Automotive Dealer outlets at Gorakhpur, GIDA, Kushinagar & Maharajganj
- Executing overall portfolio management of the business done with team handling
- Ensuring that business executives strictly adhering to KYC norms and other audit related standards in every case
- Confirming updation of PDD (RC, Invoice & Insurance) for the business done
- Promoting the sale of newly launched Mahindra vehicles (Personal & Commercial)
- Coordinating with other units of Mahindra Finance for cross selling of products like Fixed Deposits & Insurance
- Increased the average no of cases at Maruti dealership from 6 to 10
- Played critical role in March 2015 closing with 0 cases in OD for current financial year
- Increased market share with team effort from 35% to 46% at the Mahindra Automotive Dealership
- Reduced overall TAT by: Immediate assignment of the enquiries received from dealership to concerned business executive so that FI (Field investigation) is completed on time and loan approval is quick
- Regular follow-up with team regarding completion of case files so that delivery orders are issued on time
- Spearheaded approve on an average disbursement of Rs 3-4 crore in loans per month
- Steered in getting timely approval and disbursement of trade advance for dealership that came from Head Office
Management Trainee
Mahindra & Mahindra Financial Services
Muzaffarpur
07.2014 - 06.2016
Education
PGDM - Marketing
Institute of Management Studies, BHU
Varanasi01.2014
B.Sc. (Hons.) - Botany
Institute of Science, BHU
Varanasi01.2012
12th -
Central Hindu Boys school
Varanasi01.2009
10th -
Central Hindu Boys school
Varanasi01.2006
Skills
- Vehicle loans
- Branch Operations
- Portfolio Management
- Sales Operations
- Product Launch
- Business Development
- Team Management
Certification
Graphology, Certificate
Extracurricular Activities
Recognized Q3 CHAMPIONS CLUB MEMBER in PCHFL Q3 FY'22 Highest cross sell product recognition for Life insurance and Motor Insurance for Mar'23-Apr'23 Star performer for 4 months in Q3FY'16-'17 & Q4FY'16-'17 Won Innovation Tournament 2016 organized by Mahindra Finance Contributed 34% of growth in business of DMT in Bihar Top volume market share position for Lucknow area office of Mahindra Finance Achieved second prize in Science Exhibition in College at undergraduate level Captain of cricket team & secured first place at cricket competition in college Represented college for annual sports meet of university in track and field events
Languages
- English
- Hindi
- Bhojpuri
Personal Information
Date of Birth: 08/08/91
Languages
English
First Language
Timeline
Sales Manager
PIRAMAL CAPITAL & HOSING FINANCE LIMITED
10.2022 - Current
Sales Manager
Axis Bank Ltd.
06.2021 - 09.2022
Sales Manager
Idfc First Bank Ltd.
11.2018 - 04.2022
Branch Manager(Commercial Vehicle)
Indusind Bank Ltd.
10.2017 - 11.2018
Area Business Manager, Operations
Mahindra & Mahindra Financial Services
07.2016 - 10.2017
Business Manager (Auto Loan / M&M vehicles)
Mahindra & Mahindra Financial Services
07.2015 - 06.2016
Management Trainee
Mahindra & Mahindra Financial Services
07.2014 - 06.2016
PGDM - Marketing
Institute of Management Studies, BHU
B.Sc. (Hons.) - Botany
Institute of Science, BHU
12th -
Central Hindu Boys school
10th -
Central Hindu Boys school
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