Vivekanand Tripathi
Lucknow
Summary
Proficient in market development and sales strategy implementation, with a track record of identifying market development using 360° product knowledge (thanks to PGPFS) & combined experience of multiple financial products across target segments
Overview
7
7
years of professional experience
Work History
Manager - Sales
HDFC Credila Financial Services Ltd
Lucknow
03.2023 - Current
- Revenue Generation through New Customer acquisition for Education Loans for Studies Overseas & India.
- Supervision & control for coordination for House Visits for self/team and assignment of leads to individual Loan officers.
- Visiting/meeting students along with their parents and address their queries with the Education Loan offerings/process
- Meet the assigned Channel partners on a regular basis and generate leads/referrals for New Business Acquisition.
- Coordination and assistance for the process of Lead generation to Login, Login to Sanction and Sanction to Disbursement and post Sales service.
- Deliver quality Customer Service and generate referrals from existing customers.
- Liaise with Cross-functional teams i.e. Credit / Operations / Service / legal etc. and ensure the documentary requirements are complied with and seamless service gets delivered to the acquired customers.
- Collaborate with the assigned Channel partners to conduct College Seminars / Consultant events / Web-based seminars etc.
- Understand the value proposition gaps in the assigned business relationships and suggest the possible modifications
- Cross-selling of allied products i.e. Foreign Exchange / Insurance and collection of Processing Charges.
- Ensuring the team targets are achieved in terms of monthly segment vise Logins and eventually loan disbursements.
- Maitaining sourcing channels' & Banks' business relationship for smooth ongoing business.
- Implemented process changes to streamline sales department workflow.
- Developed and implemented sales strategies to increase market share.
- Onboarded new channels & increased nos with current relationships
- Trained Sales Executives for product training & process resulting YOY Growth
- Started business with HDFC Bank & Kotak Bank across locations in Uttar Pradesh & Uttarakhand.
- Assisted senior management in developing long-term strategic goals for the company's growth.
Sales Manager
Axis Bank Limited
Lucknow
01.2023 - 03.2023
- Conducted regular meetings with staff members to review goals and objectives for the quarter and year.
- Ensure achievement of the Topline Mortgage Business Targets by sourcing business through channel teams (Retail Bank Branches)
- Building and nurturing relationships with the bank branches, and cross-selling other products
- Conduct sales promotion activities through Sales Executives in the open market and improve relationships through expos and events, various activities, etc.
- Responsible for launching new products in the market
- Ensure key customer satisfaction through customer service of the highest quality
- Handle all end-to-end activities related to the product i.e. from Login to
- Disbursement Liaise with various departments within the system (Credit/Operations etc.) to ensure the smooth process flows
- Responsible for the acquisition of Relationship Officers for sourcing products
- Improve relationships with branches and monitor the performance of allocated
- Branches and deepen the relationship with existing clients
- Prevent/ minimize the fraudulent/risky proposals entry into the system
- Provide timely feedback to the central team for improvements in product features and processes
Relationship Manager
HDFC Bank Limited
Ayodhya
09.2021 - 01.2023
- Sourcing and Business Generation
- Business scoping of geographical market for farming and rural community
- Sourcing proposals from individual farmers / Co-operative societies / Rural Mandis &
- Markets / Kissan Clubs / Farmer Producer Organizations etc
- Conducting marketing activities for generating new business
- Work on productivity benchmarks
- Market Update and Change in Product / Processes
- To keep an update with respect to market requirement, competition and customer banking behavior
- To understand the changing dynamics in the market and propose amendments in various product offerings
- To keep abreast of changes in State Government laws and policies
- Relationship Building and Maintenance
- To liaison with new and existing customers for relationships
- To be in touch with agro centers /rural mandis / Rural markets / Kisan clubs for maintaining and deepening existing relationships
- Addressing complaints received from customers within stipulated TAT
- Delinquency / Rotation & Recovery / Housekeeping
- To work towards minimal delinquency in portfolio
- Follow-up with customers for recovery
- To monitor rotation of accounts
- To avoid dropping of limit in customers account, ensure submission of documents like LAD, CAM, etc
- To support legal and remedial team for legal actions
- To work towards keeping Housekeeping parameters under control
- Farmer Education and Capacity Building
- To conduct village level farmer meetings and educate farmers on various products offered by bank
- To make farmers aware of various aspects of banking and keep them informed about
- tools and technology for improving farm production
- To educate farmers about debt waivers, crop insurance & government subsidies
- Increased penetration and cross sell
- Cross sell of other assets and liability products
- Promotion of digital platforms like NetBanking, Mobile Banking, PayZapp, Insta Alert,Smart Buy etc
- Training and Development of SO/HBL
- To utilize the sales resources (HBL/SO) for optimal sales support.
- To groom supporting staff and enhancing their skills by imparting regular trainings for better customer relationship dealing
- To monitor performance and counseling them for delivery
- Relationship with Retail Branches and Other Stake holders
- Liaise with Credit to ensure timely decisioning of proposals & closure of Housekeeping items.
- To coordinate with Remedial team for NPA cases and work towards recovery of the same
- To coordinate with the local Operations team for disbursement
- Liaise with RBB team for activation of branches for KGC business & for providing best services to customers
- To liaise with Business Correspondents (BCs) for new & existing customer
Branch Recovery Manager
Dewan Housing Finance Corporation Limited
Gorakhpur
10.2018 - 09.2021
- Follow up on allocated delinquent accounts for collections of over dues.
- Ensuring updating & follow up trails Achieving the bucket and resolution targets
- Handling hard and soft bucket of secured loans (BKT 2 - BKT 100+ )
- Coordinate with Head Collections, Accounts and Legal for smooth functioning.
- Handling 150+ cases Portfolio of 277 cr of 2 locations (1 Branch and 1 Service centre branch )
- Focusing on chronic and big ticketTracing and handling Fraud and skip customers
- Team Handling Handling team consist of 3 collection executive.
- Keeping NPA and OD of branches on check.
- Manage and deliver performance in terms of, Responsibility resolution, roll backs, recovery rates/ values and optimum utilization of field resources to increase efficiencies as per the target set for the assigned portfolio.
- Design and review logics of field follow-up for the portfolio managed towards achievement of target set.
- Monitor and review field executives performances periodically.
- Achieve the money collection under principal, fees & charges as per targets.
- Inventory control for reducing opening balance of portfolio using the roll back & normalization concepts.
- Cash deposit process including monitoring TAT taken by field collectors to deposit money collected.
- Receipt Management including receipt recon, sighting of unused receipts, completion of lost receipt formalities.
- Settlement process involving issue of settlement letters to be in line with approvals received.
- Manage escalations and ensure resolution of all cases.
Management Trainee (BSM)
Dewan Housing Finance Corporation Limited
Gorakhpur
02.2018 - 09.2018
- Learning about overall process of Finance from Sourcing till disbursement practically by working in Sales Department.
- Handling DSAs & to ensure achieving Branch Target on time.
- To maintain relations with Channel Partners & increase penetration in the market to generate maximum business.
- To visit Property dealers, Developers/ Builders & to understand need of market providing them solution in form of our products.
- To maintain relations with our existing customers & to increase ultimate referral Business by maintaining relations with them.
- To increase login by planning sales activities in field with team.
- To ensure minimum rejection in sanctioning by checking customer background & income documents.
- To get maximum information about customer's Income, Property, Legal & Technical documents.
- To ensure timely disbursements within TAT by following up through Credit, Legal, Technical, FI & Operations Departments
- To Crosscheck docket & all other documents if there is any pendency & to ensure it's complete & arranged.
- To brief customers about benefits of regular repayment & future offers of Top up if they keep their repayment smooth.
- To aware people about PMAY & other government schemes about housing projects.
- To ensure Cross sales target by suggesting Borrowers about Insurance & deposit Products.
Education
Post Graduate Program in Financial Services - Financial Services
ITM Kharghar
Navi Mumbai11-2017
BBA - Management
Lovely Professional University
Jalandhar06-2015
Higher Secondary Education - Physics, Chemistry & Mathematics
Saraswati Vidya Mandir
Siddharthnagar04-2011
Secondary Education - Science
Saraswati Vidya Mandir
Siddharthnagar04-2009
Skills
- Market development
- Sales strategy
- Customer acquisition
- Sales training
- Secured & Unsecured lending
- Negotiation
- Basics of underwriting, Legal & Valuation
Languages
Hindi
First Language
English
Advanced (C1)
C1
Accomplishments
- Top BRM to achieve 98% Collection efficiency in
- Qualified Cross sell contest in HDFC Bank (September 2022)
- Qualified Forex Cross sell Contest in HDFC Credila (June 2024)
- Became Baahubali of the month April 2025 for a Login contest by logging in 141 files highest in a month
Timeline
Manager - Sales
HDFC Credila Financial Services Ltd
03.2023 - Current
Sales Manager
Axis Bank Limited
01.2023 - 03.2023
Relationship Manager
HDFC Bank Limited
09.2021 - 01.2023
Branch Recovery Manager
Dewan Housing Finance Corporation Limited
10.2018 - 09.2021
Management Trainee (BSM)
Dewan Housing Finance Corporation Limited
02.2018 - 09.2018
Post Graduate Program in Financial Services - Financial Services
ITM Kharghar
BBA - Management
Lovely Professional University
Higher Secondary Education - Physics, Chemistry & Mathematics
Saraswati Vidya Mandir
Secondary Education - Science
Saraswati Vidya Mandir