PROFESSIONAL SYNOPSIS

Akash Sharma
R/o “Harvallabh” 149 FCI, Dilip nagar, Lalsagar, Jodhpur-342004.
Cell No. 9829159935. E-mail: akashzmails@yahoo.co.in, akash.sharma@axissales.in
Aiming towards Career Enhancement in Marketing & Sales involving Credit and operations, Channel Management and Business Development with a Premier Organization.
PROFESSIONAL SYNOPSIS
 A dynamic and result-oriented professional with more than five years experience in Sales & Marketing/ Business Development of Financial product- Home loans, Personal loans, Credit Cards in Urban and Rural area of entire Rajasthan state.
 Possess experience in sales plan execution, market survey, product/ brand promotions, team handling and customer care.
 Demonstrated abilities like proactive and innovation and good analytical and quantitative skills while interacting with clients.
 Resourceful in delivering quality services to customers through personalized services.
 A good communicator with a flexible and detail-oriented attitude and a very good relationship manager.
 Interested in areas of Sales and Marketing, Business development, Channel/Distribution Management and involving Credit and Operational activities in banking or NBFC industry.
CURRENT WORK EXPERIENCE
Since May 2007- Till Date AXIS Sales ltd, Jodhpur (AXIS GROUP) Branch Manager
(A wholly owned Subsidairy of AXIS Bank Ltd)
 An AXIS SALES LTD is a wholly owned Subsidairy of AXIS (UTI) Bank Ltd. Formulated in July 2006 for special focus and management of sales team to achieve the sales target.
Job Responsibilities: - Report to: - Country Head – Business & Operations
 Retail loan - Housing loan, Mortgage loan, Personal loan & Credit cards, business sourcing with the team of 60 Nos. sales forces including Sales officers, Team Leaders and sr. executives positions.
 Ensuring employee Sales productivity and achieve the sales targets of the Branch in every segment.
 Revenue generation through branch sales and achieve the budgeted profit.
 Pre credit analysis on the basis of income documents, PD & field investigation.
 Maintain the standard TAT of files from login to disbursal stages.
 Petty cash management and vender management.
 Playing supervisory role of Area Manager for nearest branch- Udaipur location.
 Recruitment and training of manpower at branch level.
 Ensuring good Audit rating in branch.
 Cost Management & cost effectiveness at branch to ensure profitability.
 Ensuring best customer services in all the location & vender payment and their management.
 General Administration and compliance of HR formalities at branch level including their performance appraisals and work assignments.
 Liaise and develop relationship with local authorities at local level credit and operations guys.
 Ensure Fraud and Risk parameters under control for all the branches.
 Weekly meeting with sales managers and team leaders for better sales results.
 Prepare marketing strategy and action plans to launch new products in the market like insurance and on line trading.
 Management of information system at branch level through daily basis MIS.
PREVIOUS WORK EXPERIENCE
June 2006- May 2007 Gruh Finance Ltd. (HDFC GROUP) Branch In charge (A Subsidairy of HDFC Ltd)
Report to - Area Manager – Rajasthan
Gruh finance Limited is basically Gujarat based Rural and urban housing loan company belongs to HDFC Group of companies as HDFC Ltd having 68% shares in GRUH.
Responsibilities Handled: -
 Handled over all asset book size of approx. 50 crores and ticket size of up to 3 - 5 lakhs for Jodhpur Urban and Rural Housing loan and Loan against Property.
 Responsible for budgeted profitability and generation of revenue from branch activities, development of coverage area through marketing segments and channels and open new locations.
 Played supervisory role as an Area manager for looked after newly opened two branches PALI & NAGAUR.( Self Opened )
 Responsible for achieve the area target of sales, ensuring collection in control and best customer services in all the branches.
 Sourcing, developing and maintenance of customer and builder relationship. Coordinating with business associates and sales force.
 Credit appraisal of home loans, personal loan, loan against property on the basis of all credit parameters.(Ratio analysis and banking and appraised income and other credit norms for product.) having credit approval powers up to 5.00 lacs
 Ensuring Pd visits field investigation and technical visits for each case with each stage.
 Checking of files taking full view of credit, legal and technical, and their disbursement within the standard TAT.
 Responsible for achieving branch targets of sales and collection with a team of 40 executives with branch as well as DSA end.
 PDC and PDD management.
 Maintaining daily MIS and reporting to head office.
 Ensuring daily reversal and maintaining all operation suspense accounts (Assets) and all operation activities Monitoring all staff reporting, their appraisal and work assignment.
Aug. 2004- June 2006 IDBI Bank Sales coordinator
Jodhpur & Udaipur (Retail Assets)
Report to - Manager – RAC - Rajasthan
Responsibility Handled: -
 Handled the Bigger portfolio of approx 6000 live customers and asset book size of Approx 100 Crores.
 Ensuring best customer services in entire Jodhpur and Udaipur Branches.
 Ensure to achieve the Target of Home loans/ Personal loan team at Branch handle 20 people team at Branch.
 Ensuring good audit rating
 Handling team of 10 peoples for sourcing of business in Jodhpur.
 Pre Credit appraisal of home loans files management of all the agencies – FI legal and technical venders.
 Ensuring Standard TAT for files from sourcing and up to disbursement for both the branches.
Oct. 2002- Aug. 2004 LIC Housing finance ltd. Executive assistant
Jodhpur, Pali, Barmer
Report to: - Area Manager – Jodhpur
Key Performance Areas
 Banking operations and credit appraisal
 Sales, Marketing/ Business development of housing loan in Urban and Rural areas.
 Team handling
 Customer servicing
 Collection and liasoning with legal recovery team.
 Sound knowledge of property channel documents and technical of properties.
 Sound knowledge of penetration of business in entire Rajasthan State- in terms of geography and per capita Income of district.
DISTINCT ACHIEVEMENTS
 Awarded for the Best customer service and for ZERO DUV ERRORS and ZERO PDD DUES- DISB in the year 2006 by operation head of IDBI Bank.
 Awarded by Dy. General Manager as “EMPLOYEE OF THE QUARTER “In 2006-2007 for 5 star performances in all the terms of business and branch administration in INDIA in Gruh Finance Ltd. In the yr 2007.
 Awarded by Managing Director of GRUH for Work Excellency Award during the financial yr of 2006-2007 in GRUH finance Ltd for Best Credit Approvals & Achieving 100 % Branch Sales Target with ZERO NPA.
IT SKILLS:
 Certificate in computing (CIC) from IGNOU.
 Well versed with banking software FINACLE.
 Well versed with NBFC oracle based Software GRIT
 MS – Office
 Internet applications.
EDUCATIONAL CREDENTIALS
 Master of Business Administration (MBA – Regular Course from RMAT through Top B schools in Rajasthan with specialization in Marketing and HRM, from Kota University, in the year 2005.
 Bachelor of Science (Bsc.) from Jai Narayan Vyas University, Jodhpur, in the year 2002.
 Certificate in computing (CIC) from IGNOU in 2002
 IRDA trained from school of insurance (Online)
FATHER’S NAME: Sh. Mukund Vallabh Sharma
DATE OF BIRTH: 11th Sept. 1981.
LANGUAGES KNOWN: Hindi, English and Rajasthani.
MARITAL STATUS: Married.
REFERENCE: Can be produced on demand.
Date:
Place: Akash Sharma