Oct 2023 – Oct 2024 · 1 yr · Banani · On-site

• Credit Proposal & Risk Assessment: Prepared comprehensive credit proposals for new and existing clients, including renewal and limit enhancement, ensuring alignment with risk management policies.
• EMI Collection & Payment Follow-ups: Managed and ensured timely EMI collections by proactively communicating with clients before due dates.
• Client Relationship & Debt Management: Maintained strong relationships with clients to facilitate smooth payment processes and resolve outstanding dues efficiently.
• Offer Letter & Compliance Management: Drafted and amended offer letters while ensuring compliance with internal policies and regulatory standards.
• Delinquency Monitoring & NPL Control: Monitored loan performance, tracked overdue payments, and implemented strategies to minimize non-performing loans (NPLs).
• Cross-Functional Coordination: Collaborated with internal teams and external stakeholders to optimize financial services and maintain operational efficiency.

Jan 2022 – Oct 2023 · 1 yr 9 mos · Uttara · On-site

• Identifying and pursuing new business opportunities, through lead generation, networking, and market research.
• Building and maintaining strong, long-term relationships with clients and partners, through effective communication and consultative selling techniques.
• Developing and delivering presentations and proposals to prospective clients, highlighting the benefits and unique value of the company's products or services.
• Negotiating commercial agreements with clients, to ensure favorable terms and conditions for the company.
• Managing and expanding existing accounts, to increase revenue and maintain customer loyalty.
• Staying up-to-date with market trends, competitor activities, and industry developments, to inform sales and business development strategy.
• Collaborating with cross-functional teams, such as marketing and product development, to support the sales process and drive growth.
• Achieving sales targets and KPIs, through effective pipeline management and forecasting

Sep 2020 – Nov 2021 · 1 yr 2 mos · Habiganj District, Sylhet, Bangladesh

• Key responsibilities:
• Achieve sales & distribution related targets of the respective territory
• Assist Area Sales Manager to prepare a business plan and target allocation
• Help the decision making the process for monthly/quarterly performance review and market analysis
• Monitoring stock flow, market movement, sales promotions to ensure successful execution
• Active involvement in business session with various channel partners, distribution owners and key stakeholders
• Responsible for hiring of sales staffs and delivery of training to existing as well as new sales staff in the area of product knowledge, selling skills, role play, etc.
• On the job coaching and counseling sessions to identify individual motivators and keeping up the morale
• Regular market visits to ensure teams are maintaining their market visit as per the plan and building relationship with agents
• Identify training and development needs of team members thus taking necessary steps to facilitate such requirements
• Coordination within the organization, outside organization and project management as per delegation by Head of the department as and when required
• Liaison with sales operations, marketing, business development, the trade marketing team for all sort of business-related issues
• Share the scope of Business Development in the area with Distribution House Owner
• Ensure FF maintaining route plan, proper filling up of BIN card, verify physical versus book status in agent point, product availability at the agent point
• Take corrective actions for compliance at distribution houses and agent points

Aug 2019 – Aug 2020 · 1 yr · On-site

• Achieved sales & distribution targets in the territory through active engagement with channel partners and key stakeholders.
• Conducted regular market visits to ensure team alignment and build strong relationships with agents.
• Identified training needs and facilitated development for team members to enhance performance.
• Explored new opportunities to expand Sure Cash business in the territory.