Vimal Saroha

To lead strategic initiatives driving sustainable growth, financial inclusion, and operational excellence in MSME banking across the country. Committed to fostering robust relationships, innovative solutions, and regulatory compliance to achieve market leadership and enhance economic empowerment within the MSME community.

• 2003, MBA in Sales & Marketing Management, Bharati Vidyapeetth’s Institute of Management & Research, Delhi
• 2001, BSc (Environmental Science), Sukhadia University, Udaipur

• 12/21/21, Present, Jana small finance bank, MSE & Supply chain Zonal head North
• 06/01/15, 12/31/21, Yes Bank Limited, Regional Sales Manager, Conceptualizing & implementing competitive strategies for generating business through Mortgage Loan portfolio. Identifying & developing new streams for revenue growth –Residential, Commercial and Industrial Property. Develop a strong distribution network of DSA/DST. Activate bank branches for sourcing mortgage business. Ensure Sales team has desired capability to deliver organization objectives. Developing & expanding market share towards the achievement of revenue targets. Maintaining vigilance on customer retention with best in class after sales services. Setting sales targets for the team, monitoring them, ensuring timely incentive payouts. Training of all sales personnel as well as Channel Partners. Classroom training on Product, Competition, Market and Industrial Margins. Developing Compliance Awareness and ensuring adherence.
• 04/01/10, 05/31/15, HDFC Bank Ltd, Manager, Sales, Handling sales for loan Against Property Portfolio for Delhi NCR. Handling team of 6 Sales Executives. End to end responsibility of total revenue for the defined territory. Key responsibilities – Managing and develop sales team, meet targets, penetrating market through new channel partner association, manpower and infrastructure streamlining.
• 06/01/06, 03/31/10, Citifinancial Consumer Finance India Ltd, Relationship Manager, Setting up the Home Loan and LAP business in Delhi NCR. Creating Sales Strategies to achieve sales targets through these in the Real estate sector. Counsel prospective high net worth clients for Property, to promote the offering of the bank and negotiating with them to finalize mutually beneficial business deals. Ensuring Top Line and Bottom Line target achievements for the Territory by maintaining a high yield through adequate product mix. Lead, direct and mentor sales and marketing teams to achieve hundred percent outcome. Achievement - Received Bravo Award for Sep’09.
• 12/01/05, 05/31/06, Kodak India Private Limited, Sales Officer, Managing Sales for Analog camera, Amateur & Professional Film & Doc Printer. Retail & Distribution Network, Key account management, sales promotion and competition analysis. Designed, proposed and implemented post approval various schemes to the head office based on feedback received from the channel partners and competition tracking. Influencing the Distributors by updating them about the Market Scenario to increase the retail client base. Managed 5 Distributors and 1250 Retail outlets spread across South, Central and North Delhi. Made presentations to Corporate and to also have put Canopies at Play Schools to enhance Sale for Printer. Tracking and ensuring availability and Distribution of Products at all outlets at all time.
• 11/01/03, 12/31/05, The United Breweries, Territory Manager, Brand Promotion and Sales Enhancement of all the products of McDowell including Single Malt Whiskey, McDowell Signature, McDowell No.1 Whiskey etc in 7-8 districts of Haryana. Sales Promotion through Event Management and Sponsorship offered to various Bars and Clubs. Effective Merchandising at 475 Retail Outlets and Primary, Secondary and Tertiary Sales in order to meet Individual Targets. Collection of payment within the given time frame and maintaining yearly accounts to its effect for all the wholesalers. Market Analysis to know Competitor’s terms of rebate and discount offered to wholesalers and then proactively nullifying its effect on my products. Manage a team of 8-10 Daily Sales Representatives hired on a temporary basis for spot sales.