Summary
Overview
Work History
Education
Skills
Languages
Hobbies and Interests
Personal Information
Summary Of Experience
Timeline
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Yogita Hemant Joshi

Yogita Hemant Joshi

Borivali West

Summary

Dynamic Key Account Manager with a proven track record at Jana Small Finance Bank, excelling in sales negotiation and client relationship management. Adept at strategic planning and financial analysis, I drive significant business growth while ensuring exceptional client satisfaction. A strong leader, I foster collaboration across teams to achieve targets and enhance performance.

Overview

18
18
years of professional experience

Work History

KAM HEAD

Jana Small Finance Bank
Mumbai
03.2021 - Current
  • A Key Account Manager (KAM) is a sales professional responsible for maintaining and growing relationships with a company's most important clients. They act as the primary point of contact, developing strategic plans, identifying new business opportunities, and ensuring client satisfaction. KAMs essentially build strong, lasting partnerships with high-value customers.
  • Sales and Negotiation: I am involved in negotiating and closing deals with key accounts, aiming to secure and expand business opportunities.
  • Strategic Planning: KAMs develop and implement strategic plans to achieve business objectives with their key clients.
  • Client Satisfaction: I ensure that key clients are satisfied with the company's products or services, often acting as an advocate for the clients' needs internally.
  • Internal Collaboration: I work closely with various internal teams (sales, customer service, operations, etc.). To ensure seamless delivery and support for key accounts.
  • Reporting and Analysis: KAMs often track key account metrics and prepare reports to track performance, identify areas for improvement, and communicate progress to stakeholders.
  • The account conduct is suspicious (it includes a churning issue, utilization, and inward and outward bouncing); therefore, give an early alert sign to stakeholders.ng to upselling, cross-selling, or new account acquisition.
  • Monitoring time collection for the bank from big-ticket customers.
  • CIBIL should be pulled every 3 months compulsorily, and if bounces are seen or if the PTP is broken, then other CIBIL reports also have to be pulled out to check off our RTR.
  • Immediate give early alert message to HO along with NCH.
  • Review of OTC& PDD pendency.
  • Periodic Analysis of latest Financial on timely basis (increase in working capital cycle decrease in sales, decrease in margin & reduce in profit)
  • Identify other stresses such as dead stock investment in fixed long term assets without having fund from banking sector or identify the source of fund invested in long term assets etc.
  • Identify any stresses – early action to remediate the account need to be taken.
  • If any Fraud or suspicious activity found then immediate report to HO & NCH.

Sales Manager

AXIS BANK LTD.
11.2019 - 03.2021
  • Acquiring Home Loans business
  • Training and motivating team, DSA and connecters
  • Legal & Technical Document Training to the Team
  • Achieving 10crores plus business per month
  • Good coordination with credit And Ops Team.
  • Timely sanction and getting it disbursed
  • Sales Activities every weekend
  • Sales Reviews Every week
  • Every day Meeting Channel Partners
  • Handling corporate Channel’s

Sales Manager

TATA CAPTAL HOUSING FINANCE LTD.
09.2018 - 11.2019
  • Managing business through direct sales, DSA, Builder’s and Connecters
  • Training and motivating team And Channel Partner
  • Managing a team of 4 sales Executive and 1 Team Leader
  • Achieving Target every month
  • Timely sanction and getting it disbursed
  • Maintaining MIS
  • Every Day Visit and Acquiring New Business Partners

Sales Manager

Reliance Home Finance Ltd.
10.2016 - 08.2018
  • Acquiring Home Loans business
  • Managing business through direct sales and Connecters
  • Training and motivating team & connecters
  • Managing a team of 3 sales executives
  • Verifying the accuracy and thoroughness of the loan application along with other related documents
  • Good coordination with credit & Ops Team
  • Timely sanction and getting it disbursed

Relationship Officer – Branch Banking

KOTAK MAHINDRA BANK LTD.
10.2013 - 09.2016
  • Handling Portfolio of200HNIcustomers.
  • Cross selling products like CASA, Fixed Deposits, Recurring Deposits, Life Insurance, General insurance, LAP products, Home loan and other financial product etc. to our existing as well as to new customers.
  • Maintaining relationship with the customer by providing resolution to their queries.
  • Handling Escalation calls/Mails of external as well our internal customers.
  • Developing new and expanding existing High Net worth Customer relationships for liability Products by sourcing customers
  • Plans and conduct special sales initiatives and events for prospective and existing clients

SALES COORDINATOR

AXIS CAPITAL LIMITED
11.2011 - 10.2013
  • Coordinate between sales team and credit team
  • Collection of loan proposals and ensuring they are processed accordingly
  • Verifying the accuracy and thoroughness of the loan application along with other related documents
  • Coordinate between DSA and bank.
  • Handling sanction and disbursement.
  • Maintain MIS of sanction and disbursement data sm wise
  • Handling walking DSA customer.
  • Handling part disbursement.

CUSTOMER SERVICE EXECUTIVE

ICICI HOME FINANCE COMPANY LTD.
10.2007 - 06.2008
  • Handling operational work for Auto Loans.
  • Achieve sales targets and providing Customer service
  • Responsible for Cross Sell & enhancing relationship with existing customers
  • Customer acquisition & cross sell to walk in customers
  • Report Generation & filing

Education

B.A -

Rajasthan
04.2006

H.S.C. -

Rajasthan
04.2003

S.S.C. -

Rajasthan
04.2001

Skills

  • Windows
  • Microsoft office
  • DTP
  • Sales negotiation
  • Client relationship management
  • financial analysis
  • Data reporting
  • Team leadership
  • customer service
  • communication skills
  • Cross-selling techniques
  • internal collaboration

Languages

  • English
  • Hindi
  • Marathi
  • Gujarati

Hobbies and Interests

  • Painting
  • Listening Music

Personal Information

  • Date of Birth: 09/12/86
  • Nationality: Indian
  • Marital Status: Married

Summary Of Experience

More than 13 years of experience in Banking & Finance in sales, operations and customer service in different type of products which are best in the industry.

Timeline

KAM HEAD

Jana Small Finance Bank
03.2021 - Current

Sales Manager

AXIS BANK LTD.
11.2019 - 03.2021

Sales Manager

TATA CAPTAL HOUSING FINANCE LTD.
09.2018 - 11.2019

Sales Manager

Reliance Home Finance Ltd.
10.2016 - 08.2018

Relationship Officer – Branch Banking

KOTAK MAHINDRA BANK LTD.
10.2013 - 09.2016

SALES COORDINATOR

AXIS CAPITAL LIMITED
11.2011 - 10.2013

CUSTOMER SERVICE EXECUTIVE

ICICI HOME FINANCE COMPANY LTD.
10.2007 - 06.2008

B.A -

H.S.C. -

S.S.C. -

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Yogita Hemant Joshi