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Sales Manager

Location:
Punjab, 144005, India
Posted:
October 06, 2016

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Resume:

SUMIT BHANDARI

Mobile: 91-869******* ; E-Mail: acwx0n@r.postjobfree.com

Job Objective

Aiming for senior managerial assignments in Sales, credit Finance & Marketing in an organization of high repute

Profile Summary

Dynamic professional offering 15 years of rich experience in:

Branch Banking Credit Finance Selling Life Insurance

Training and Development Product Promotion Business Development

Revenue Generation Recruitments Assets / Loan Financing

Sales & Marketing Liaison & Coordination Distribution Management

Team Management Strategic Planning

An incisive leader having performance-based progression with high sales, marketing and team management . Proactive in assessing the sales training & development needs and effectively aligning the programs with business objectives. A keen planner and implementer with deftness in effectuating strategies, driving teams to ensure successful management of sales operations in the assigned region. Effective and accountable in high-profile executive roles; managing complex business challenges and making high-stakes decisions using experience-backed judgment, strong work ethic and irreproachable integrity. Consistent record of delivering results in growth, revenue, credit of assets, operational performance, and profitability. Aggressive sales & marketing tactics with strong exposure of working with prominent and high profile accounts.

Skilled in identifying, analyzing, pursuing & reporting on business opportunities with existing and prospective clients. Honed in analyzing existing training business model, developing the strategy, gathering training requirements, enhancing course coordination program and implementing the other program improvements to achieve sustainable growth. Adroit in exceptional organization and service skills with a positive, professional attitude and a strong commitment to excellence.

Core Competencies

• Conceptualizing & implementing competitive strategies for generating sales, developing and expanding market share towards the achievement of revenue & profitability targets

• Providing direction, motivation and training to the Sales Team, ensuring optimum performance for all operational & sales related issues and imbibing a sense of discipline & team work within the workforce for effective and smooth functioning of operations

• Identifying and developing potential clients in the targeted markets/ industries and sectors; ensuring maximum customer satisfaction by providing delivery and setting quality norms

• Providing strategic direction that optimizes training resources & capabilities in Training Department

• Conducting sales training, knowledge tests and training to bridge the gaps, identifying the learning gaps of Associates and planning the training to address the same

• Developing strategies for re-orientation of the organisation structure for utilising the available human resource to achieve desired objective

Work Experience

Since Set ’14 till Date: ICICI Bank Ltd, Kapurthala as Cluster Branch Manager

Key Result Areas:

• Managing the 9 branches with the team size of 57 employees (9 Branch Managers & 9 DBM, rest sales officers, value bankers, cashier).

• Organize & control the sales activities of the all branches.

• Responsible for the achievement of revenue of the branches against the cost.

• Ensure the satisfaction of the customers with the high quality of services being offered by the staff.

• Periodic review of progress vs. objectives.

• Review Branch Operations reports.

• Responsible for overall administration of the branches.

• Review Branch Operations reports.

• Ensure compliance with Banking rules, Regulations & Procedures.

• Regular surprise visits to all branches once a month.

• Managing book of 210cr overall liability.

• Responsible for overall cluster target.

• Coordinating with regional credit manager for credit approval of loans.

• Allocating annual operating profits & managing profitability for all the branches of the cluster.

• Lobby Management, Queue handling & Upkeep housekeeping etc.

• Mainaining good public relations with customers and the community.

• Complying with all department and company policies, procedures and regulations.

• Also reporting the overall achievement of the branch to various authorities within the bank.

• Responsible for the administration and efficient daily operation of a full service branch office, including lending, product sales, customer service, and security and safety in accordance with the bank’s objectives.

• Maintain branch audit scores at desired levels.

• Ensure wait time within permissible limits as per segmental service approach.

• Ensuring OPEX optimization for the branch.

• Ensuring the availability of necessary infrastructure in branch.

KEY ACHIEVEMENTS:

• Opened 12 government & Tasc accounts in first 10 months .

• MOM disbursement of 2.5 cr KCC loan / Limits.

• Best staff productivity across zone in last four months.

• Satisfactory audit of all the branches of cluster during the year.

Feb’14 to Sep’14: IndusInd Bank Ltd, Jalandhar as Branch Manger

Key Result Areas

• Managing the branch with the team size of 28 employees.

• Managing the P & L and Balance sheet of the branch.

• Responsible for the achievement of revenue of the branch against the cost.

• Book size of the branch is 85 cr.

• Ensure all components of the branch sales model function as per design

• Periodic review of progress vs. objectives.

• Responsible for CASA growth as well as revenue generation for the branch against the budget given by the bank.

• Own all branch-banking objectives and overall branch supervision.

• Review Branch Operations reports.

• Ensure compliance with Banking rules, Regulations & Procedures.

April’10 to Oct’13 : HDFC Bank Ltd, Jalandhar as Branch Manager

Key Result Areas

• Ensure achievement of overall Branch Targets by generating business and cross sales.

• Organise & control the sales activities of the staff on daily basis.

• Division of geographical / catchment area amongst the staff so as to enhance the productivity of the staff as well as the branch.

• Marketing of the different products amongst the customers being offered by the bank.

• Ensure the satisfaction of the customers with the high quality of services being offered by the staff.

• Awareness of new products being launched by the bank in the market from time to time.

• Organising daily sales meeting of all staff includes sales as well as other verticals on daily basis.

• Training & development of all staff on regular intervals as & when required.

• Plan different marketing activities in coordination with all other staff / marketing team.

• Daily monitoring of sales for all staff against the target given.

• Allocation of marketing budget in liaison with the other department.

• Key Customer Relationship Management & supervision of all HNW customer programs.

• Ensure all components of the branch sales model function as per design

• Key Customer Relationship Management & supervision of all HNW customer programs.

• Ensure all components of the branch sales model function as per design

• Periodic review of progress vs. objectives.

• Ensure clarity of Business objectives among staff

• Own all branch-banking objectives and overall branch supervision.

• Complaints Handling and Lobby Management.

• Review Branch Operations reports.

• Branch Merchandising & co-ordination with Marketing at product level.

• Ensure compliance with Banking rules, Regulations & Procedures

KEY ACHIEVEMENTS:

• Achieved the branch annual CASA target of 2012-13 in first three months only.

• Achieved saving & current account plan MOM.

• Handle the audit and went satisfactory.

• Branch is up in per person productivity as per management expectations.

Feb’09 – Mar’10: Reliance Life Insurance Co Ltd, Jalandhar as Branch Sales Manager

Key Result Areas

• Responsible for Life Insurance business for Jalandhar cluster through the team size of 3 SM’s & 16 PFC’s.

• Handling national partners namely, Unicon, Religare, Reliance Money, Web World etc.

• Handling Jalandhar Central Co-opt Bank.

• Setting up the sales target amongst the team as given by the company.

• Regular marketing activities like painting competition in schools, canopies & news paper inserts.

• Marketing of new products launched by the company from time to time.

• Regular product training to Channel partners.

• Handling distribution channels to enhance & promote the promote the product of the company.

• Regular recruitment of teams for national as well as local partners..

• Monitoring & maintenance of healthy portfolio through quality sourcing control on cheque bouncing & free look.

• To achieve the targets set by supervisor month on month.

• Regular visits to channel partners & bank branches.

April’08 to Jan’09: Money Line Credit Ltd, Jalandhar as Manager – Mortgages & Home Loans

Key Result Areas

• Setting up the business at Jalandhar, Hoshiarpur & Phagwara Branch.

• Responsible for mortgage sales for Jalandhar, Hoshiarpur & Phagwara through the team size of four RM’s, three TL’s.

• Maintain the branch IRR, PF & Credit Shield penetration.

• Responsible for overall administration of the branch.

• Regular co-ordination with the vendors so as to maintain the proper TAT.

• Responsible for audit & compliance at all times.

• Monitoring & maintenance of healthy portfolio through quality sourcing, fast decisioning and nil delinquency.

• Consistent achievement of targets month on month with 0% delinquency.

Oct’07 to March’08: Cholamandalam DBS Finance Ltd, Jalandhar as Branch Manager - Loans

Key Result Areas

• Setting up the Jalandhar branch.

• Hired SRM’s & CRM for the branch.

• Recruit the workforce team of 4 TL’s along with 23 DST.

• Developing alternate channels to generate more volume for the branch.

• Responsible for audit & compliance at all times.

• Monitoring & maintenance of healthy portfolio through quality sourcing, fast decisioning and nil delinquency.

• Consistent achievement of targets month on month with 0% delinquency.

March’07 to Sep’07: Prime Financial Ltd, Chandigarh as Branch Manager – Loans

Key Result Areas

• Responsible for revenue generation through a team of three RA / RM and FOS of about 42.

• Responsible for monitoring & maintenance of healthy portfolio through quality sourcing & nil delinquency.

• Responsible for overall branch administration.

• Solely responsible for profitability of the branch.

• Responsible for both credit and collections.

• Having loan approval authority up to 50K.

• Responsible for audit & compliance at all times.

Managing CPV & FCU agency to maintain the TAT

July’05 to Feb’07: Citifinancial Consumer Finance (I) Ltd, Jalandhar as Asst Manager– Mortgages & Home Loans

Key Result Areas

• Handling Channel Sales through four DMA’s for Jalandhar & Phagwara.

• Supervising the sanctioning and disbursement of loans.

• Managing credit back end team.

• Coordinating with regional credit manager for credit approval of loans.

• Handling new initiatives under PLB tie up and the Power Partner’s programme.

• Servicing of existing clientele through the customer care department.

• Providing sales & product training to the DSA & DST teams from time to time.

Aug’04 to June’05: Metlife India Insurance Co Ltd, Chandigarh as Channel Sales Manager

Key Result Areas

• Looking after the Bancassurance of 13 Branches of J&K and Karnataka Bank through nine channel sales officers.

April’03 to July’04: Hdfc Standard Life Insurance, Jalandhar as Business Development Manager

Key Result Areas

• Recruiting, training, motivating and managing the team of 28 consultants & Analysis of competitor’s product and discussing it with financial consultants.

July’01 to March’03: Sterling Holiday Resorts (I) Pvt Ltd, Jalandhar as Team Leader

Key Result Areas

* Managing sales operations to meet targets set by the organization & Managing the sales team and three-team leader reporting directly.

Education

2001 MBA ( Marketing & Finance ) from ApeeJay Institute of Management, Jalandhar, 69%

1999 Bachelour of Commerce from D.A.V. College, Jalandhar

1996 12th from Dayanand Model School, Jalandhar

1994 10th from Dayanand Model School, Jalandhar

Trainings Attended

• Six sigma training at Chandigarh

• Personal Effectiveness at Chandigarh

• Born to Win training by Mr. Shiv khera at New Delhi

• Managerial Effectiveness at Chandigarh

Voluntary Assignment

Active member of the NGO named Apahaj Asharam & helping old & handicapped people from past 4 years

Personal Details

Address: B-7/235, Fatehpura Mohalla, Jalandhar ( Punjab ), India.

Date of Birth: 05th October 1978

Languages Known: English, Hindi and Punjabi

Date Sumit Bhandari



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