About
Finance and sales professional with close to 11 years of experience across banking, vehicle finance, financial services, customer relationship management and B2B/B2C business development. Experience spans national virtual relationship banking, regional sales leadership, portfolio management, channel development, collections, hiring and team development. Proven record of managing large client portfolios and multi-location teams while delivering business, recovery and profitability targets.
Experience8
Virtual Relationship Banking Head
May 2023 — Apr 2026HDFC Bank Ltd.
Led a 20-member team building from scratch, achieving 100%+ targets consistently. Managed a national portfolio of over 12,000 clients through personalized virtual engagement and customer relationship management. Delivered record-setting days with 10+ account openings and 11+ fixed deposits, cross-selling loans, insurance and credit cards.
Area Head
Oct 2021 — Sep 2022Usekiwi Infolabs Pvt. Ltd. (Affordplan)
Owned sales and profitability for the East Zone across multiple cities. Managed hospital relationships, organized health camps, and supported customer acquisition. Led hiring and development of female financial counsellors and trained hospital staff. Coordinated partner payments and marketing activities.
Sales Manager
Apr 2021 — Oct 2021HDFC Bank Ltd.
Sourced auto-loan business across 14 branches and built dealership relationships. Hired and trained sales executives and branch staff on auto-loan products. Managed customer recovery alongside sales responsibilities.
Area Head
Jul 2019 — Jul 2020Usekiwi Infolabs Pvt. Ltd. (Affordplan)
Enrolled hospitals for savings plans and maternity-linked loan programs. Managed 15 financial counsellors, supported hiring and training, and ensured timely savings/EMI collections. Supported advance cash flow and marketing briefings.
Territory Manager
Jul 2017 — Jan 2019IDFC First Bank Ltd. (earlier Capital First Ltd.)
Sourced used-car loans and managed dealer/DSA/NDSA channels. Led a team of 12 sales executives. Added new and reactivated dormant channels to expand business and supported branch profitability.
Cluster Manager
Aug 2016 — Jul 2017IKF Finance Ltd.
Sourced loans for used cars, new cars, commercial vehicles and construction equipment. Led a 20-member team across North Gujarat. Developed new channels and managed business and recovery targets.
Branch Manager / Area Manager / Area Sales Manager
May 2014 — Aug 2016Magma Fincorp Ltd.
Managed sales and collection teams across South Karnataka, South Gujarat, and Sabarkantha. Handled sales, collections, and customer service for vehicles and equipment. Achieved 89% recovery rate in high-risk collections and expanded channel productivity.
Summer Intern
May 2013 — Jul 2013Keventer Agro Ltd.
Summer internship experience.
Education2
MBA
2012 — 2014ICFAI Business School, Hyderabad
Marketing
B.Com (Hons.)
2009 — 2012St. Xavier’s College, Ranchi
Commerce