SAPNA MEHRA

House No. A-*/**, Sector-*, Rohini-**0085

Contact :(R) 27557974/Mobile-931-***-****

Date of Birth : August 6th 1970

Email: acw7ef@r.postjobfree.com

SUMMARY

• 19 years of experience in Profit Centre Operations, Sales & Marketing, Business Development, Product

Development, Customer Relationship Management, Key Account Management, Merchant Services, Assets,

Liabilities and Team Management.

• Strong skills in planning and implementing sales strategies and guiding teams to achieve sales (direct/

channel) & Business Development through an Achievement of targets in the assigned branches of the region.

• Proficient in managing business operations encompassing customer relationship management, market

analysis, development of new markets and market segments.

• Track record of attaining consistent yearly growth both in terms of sales and revenues

• Consistent track record of bagging big ticket transactions.

• Excellent communicator with honest presentation & analytical skills and ability to contribute ideas towards

achieving business excellence.

CORE COMPETENCIES

Profit Centre Management

• Overseeing complete business operations in the assigned region with accountability of profitability,

forecasting monthly/ annual sales targets & executing them in a given time frame

• Strategising long & short term business plans to ensure maximum profitability and managing customer-

centric operations by achieving service quality norms

Business Development

• Identifying & developing new streams for long-term revenue growth and maintaining long term relationships

with customers to achieve repeat/ referral business, considering customers as channel partner.

• Tapping new markets, creating a wishlist and coordinating with channel partners to penetrate these segments,

thereby expanding business & generating income through catchment mapping .

Sales & Marketing

• Driving sales strategies for attainment of periodical targets with a view to optimise revenue, both directly as

well as through channel partners

• Conducting market analysis to understand competition and accordingly formulate strategies to tackle the

same effectively as well as facilitating the formulation of strategies to counter competition

Channel Management

• Identifying and networking with financially strong and reliable channel partners

• Ensuring deeper market penetration, thereby improving market share

WORK EXPERIENCE

Since 06th Oct’2010 with HDFC Bank, Delhi as Head-Trade & Forex

Highlights:

Handling 3 Clusters comprising of South Delhi & Karol Bagh with 35 Branches of North 1 . Consistently

overachieving Income Targets being highest Performer on Pan India Basis.

Since 29 Sep '2007 - Cluster Head – HDFC Bank – Handled 9 branches at Gurgaon Cluster and later handled 12

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Branches of North West Delhi Cluster with 80 direct reporting staff. Completely Responsible for Revenue

through Investment Products like Insurance/General Insurance/Mutual Fund/Current/SB A/c Numbers

/Current /SB A/c Values /Branch Audit /Assets-CarLoan/Personal Ln/Credit Card / Training & Development of

RM/PB/ABM/PRM for the Cluster.

06 Dec'2004 to Oct'2007

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Branch Head – ICICI Bank

Highlights:

• Assigned to Set up the New Branch – Paschim Vihar . Assigned mid segment branch-Ashok Vihar to

turnaround and then given 200cr Branch Pitampura to multiply.

• Achieved Monthly Revenue of 50 lacs

• Has been Recognised as the Fastest Branch turning Profitable within 9 month of inception-pan india

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• Achieved Outstanding rating in Audit

• Achieved 200% all across the products

• Maintained 100% six sigma score by offering best TAT / Quality to the Customers

Oct’99 – Dec'2004 Experience in ABN AMRO Bank

• Headed HR Department for Recruitments and Remunerations

Previous to this worked as a Lobby Manager/Back-up-Branch Manager-HauzKhas Branch- Handled the Team of

7 staff members / Investment Advisor/Sales Staff. Hauz Khas branch gave competition to the hub branch Hansalaya

in terms of Revenue / Building up of CASA Numbers.

Handled 3 departments at Regional Level-

Worked as a CPA Manager/Disbursal Manager/Channel Services Manager -

Managed loans against Assets-

•Handled the team of 21 Outsource staff (CPA-Love Lock & Lewes)/ 5 Review Officers/ 5 boarding team

members.

•Ensured Quality Assurance-in terms of Credit Underwriting Standards of Auto/Personal Loan files and

Timely disbursals

•Liaised with DSA/Dealers to generate Numbers

•Focused approach towards generation of Numbers / Quality.

•Focused approach towards Best Service to Channel Partners.

Expertise in :-

Auto Loans (Centralized Operations)

•Team Leader of Boarding Team Supervisor wherein managing the concerns,

issues, problems of 8 agency team members.

•Worked in Backend-Maintenance of Auto Loans as a Team Leader.

•Initiated Process Improvements in terms of saving Time and Cost.

•Ensured high level of Customer Satisfaction.

•Ensured the routine activities are performed within the TAT

•Managed sourcing fee pay-out to the manufacturing dealers

• Managed MIS to reflect the day to day business of the department

Tele-Banking- As a Team Leader - Supervised the team of 10 Tele Banking officers

•Provided Customer Services in terms of handling Irate Customers and resolving their

queries.

• Handled Sales Promotional Activities. Won Consecutive Award for Generating

Highest Number of New Account Database for the Organization.

•Supervised the Express Cash Delivery Process. Improved the TAT of 2 hours Cash

Delivery at the customer door-step. Achieved 98% of transactions within the TAT,

while the previous recorded TAT was of 35%.

August 1991 to Oct 25 '1999 Experience in Bank of America :-

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Collections – Joined BOA as an Assistant and handled clean collections and Corresponding Bank

Collections along with Fx Collections. Responsible for Monitoring EEFC Accounts and Issuance of FIRC .

Cash - Efficiently handled the Cash Transactions-flawlessly of the big clientele of Bank of America as a

Teller.

New Accounts – As a Special Assistant -a)Responsible for the Service Desk for the branch to provide

Banking solutions to HNI’s

b)To assure high quality of Customer Service-co-ordinated with various departments in terms of :- Special

Fx Rate from Treasury/Fixed Deposits/Cheque book/Statements

Administration –As an Administrative Specialist - Handled the Administration process of Bank of America

. Managed the team to serve the basic requirements of the Organization. Looked after the Salary Payout of the

staff/ Infrastructural Requirement.

Merchant Services - Provided Card Acquiring Services- As an Officer -

•Responsible for handling and servicing a portfolio of 1000 Merchants-500HNW.

•Reduced TAT from 2.00 P.M. to 11.00 P.M. for Centralised Electronic Data Capture

(EDC) payments by redesigning and removing the existing bugs in the worksheet.

•Reconciliation of Due to/Due from accounts with branches and SFHQ Accounts in

terms of EEFC Accounts.

•Worked on Card Acquiring System (CAS).

•Settlement of Reimbursement of Visa/Market Card.

•Timely preparation of month-end MIS in order to reflect true and fair financial

position of the department.

PROFESSIONAL ENHANCEMENTS

• FEDAI Certified

• AMFI Certified

• IRDA Certified

ACADEMIC DETAILS

• MBA (Marketing & Finance) from SMU

• Graduation in Pol Science (Hons) from Delhi University, Delhi in 1991

PERSONAL DETAILS

Date of Birth : 06 August ‘ 1970

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Address : Jaina Apartment, Flat No-309, Sector-13,Rohini, Delhi-110085

Marital Status : Married

Languages : English, Hindi & Punjabi

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