Ved Prakash

SALES & MARKETING

· DrIve growth and streamlined operations of Two Wheeler finance business, identifying and pursuing business opportunities.

· Conducted daily reviews with managers to assess projections and collection activities, ensuring alignment with sales targets.

· Supervised allocated area, visiting branches, meeting teams, and resolving operational challenges.

· Prepared and maintained multiple MIS reports for top management reference, tracking ongoing performance metrics.

· Identified potential areas for business expansion while assessing fraud risks associated with new markets.

· Managed all operational facets, including disbursal operations, customer service, human resources, administration, and sales activities.

· Collaborated on higher bucket collections by visiting customers jointly with managers to facilitate payments.

· Maintained delinquency rates within monthly targets through regular customer visits for overdue payment follow-ups.

COLLECTIONS & PORTFOLIO MANAGE

• Assist in Collections cases in higher buckets, work with Managers and jointly visits customers in the area.

• Responsible for managing delinquency across buckets and maintain the delinquency rates within monthly, targets

• Undertake regular customer visits for follow up and collection of overdue payments

• Coordinate with law firms, initiate legal actions against NPA accounts, re possession and online auction

· Managed sales budget for territory, ensuring efficient resource utilization.

· Allocated resources to maximize productivity across teams.

· Supported alliance manager in developing financial products for hospitality sector.

· Ensured approved staffing levels in each hospital.

· Provided training to sales officers to enhance performance.

· Implemented business processes and controls as per company standards.

· Monitored team daily sales reports for quality and quantity metrics.

· Conducted lead generation and management to optimize conversion rates.

COLLECTIONS & OTHERS

· Controlled bucket flow cases, prioritizing non-starters for optimal collection efficiency.

· Ensured compliance with legal guidelines and audit queries throughout operations.

· Managed area-wise, bucket-wise, and segment-wise availability of Feet on Street resources.

· Established productivity parameters for Collection Officers and DMAs to enhance performance.

· Monitored performance against established metrics, conducting weekly reviews with collection executives.

· Conducted background and reference checks for appointed agencies and Collection Executives.

· Managed 45-50 manpower in hospital to enhance loan services and monitor sales activities.

· Achieved business plan targets focused on volume growth.

· Coordinated efforts between sales team, managers, business development, and branding units.

· Trained new staff to uphold quality standards in sales performance.

· Collaborated with hospital staff to facilitate business operations and meetings.

· Oversaw disbursement processes and ensured timely payments to hospitals.

· Directed team management while promoting products and marketing initiatives.

· Partnered with collection team to assess portfolio delinquency and implement improvements.

COLLECTION

· Achieved collection targets for assigned portfolios.

· Monitored tele-calling team performance and implemented strategies to boost productivity.

· Managed attrition across assigned teams to maintain operational stability.

· Ensured smooth processes relating to collections through effective oversight.

· Prepared and published daily performance reports for team assessment.

• Managed sales team to achieve targets consistently.
• Oversaw customer service and interactions at stores.
• Conducted market sourcing through dealers, customers, and calls.
• Processed documentation for loan and financial services efficiently.
• Identified fraudulent activities and monitored collections closely.

• Responsible for driving sales and customer engagement in 6-8 stores in the catchment area
• Managing relationships with the Store Managers and Store Sales Representatives to drive preference for Consumer Finance
• Engaging with product, policy, credit teams to get the ‘right’ customer experience and decision
• Approval as per credit policy check profile and analyze risk
• Achieve collection target and follow up default customer and legal process
• Track & control the delinquency of the area and focus on nonstarters
• Allocate work to the field executives and ensure that all the location perform as per defined CLA, ensuring payments and audit receipts get deposit

COLLECTION & SUPERVISION
• Achieve collection targets assigned to the territory by meeting collection target
while ensuring legal guidelines are the complied for entire collection structure
• Keep track of the portfolio for specific buckets for the assigned area and
control the delinquency of the area,
• Distribution of delegacy list to the CLA and proper follow-up and PTP
timeline
bucket-wise & DPD wise as well as focus on non-starters.
• Ensure that the NPA's are kept within assigned budget and active efforts
are made to minimize it.

• Managed sales and distribution of financial products and services, driving market penetration.
• Built and maintained strong relationships with dealers and customers to enhance service quality.
• Oversaw loan approval and disbursal processes to ensure compliance and efficiency.
• Achieved targeted penetration levels for extended warranty offerings.