Aug 2012 – Dec 2014 · 2 yrs 4 mos

• Took ownership for turning around the operations in North in Punjab , Haryana and Himachal Pradesh across 27 offices.
• Launched the Agency Transformation Project across North to create a customer preferred , profitable, self-sustaining Tied agency in 3 years’ time.
• The model aims at improving productivity, variablization and is cost stagnant.
• Followed a rigorous Execution process through The Four Disciplines of Execution of the Franklin Covey Foundation.

Jan 2010 – Jul 2012 · 2 yrs 6 mos

• India Shelter Finance Corporation Ltd (ISFC) was the new name of the erstwhile Satyaprakash Housing Finance India Limited (SHFIL) which was granted the certificate of registration by National Housing Bank on 26th October, 1998. The business was taken over by a group of professionals and relaunched on 12th March 2010.
• ISFC's capital was first scaled up by a group of professionals with experience across diverse businesses. Sequoia Capital had invested in the company to meet the requirements of its first phase of growth.
• The main objective of ISFC was to provide credit to middle income households borrowing for the first time to acquire new housing or to extend and improve their current housing.
• Progressively larger numbers of first generation urban families need access to housing credit. This credit will first be needed to extend and improve their current dwelling units as families grow. As incomes rise, the ability to service the credit to acquire higher quality new housing will also improve.
• ISFC aspired to build a profitable and socially useful business by fulfilling the housing credit needs of these families. Their support increased housing stock and improved health and education outcomes for these families.

Aug 2007 – Oct 2009 · 2 yrs 2 mos

•  Conceptualized strategies to meet business targets for the States of Kerala, Karnataka, Andhra, Tamil Nadu, Maharashtra, MP, and Gujarat.
•  Functioned as a Member of the Extended Management Team involved in Strategy formulation.
•  Served on multiple corporate guidance committees
• o Member of the Product Committee in the Company.
• o Member of the Audit Committee.
• o Member of the Risk Control Committee.
•  Enhanced revenue from $38M to $60M+ through aggressive expansion, opening 35 locations in one year
•  Achieved business targets for seven states in the company’s flagship zone delivering a 60% top-line contribution

Sep 2002 – Aug 2007 · 4 yrs 11 mos

• Orchestrated leadership skills in launching the GO in Jaipur.
• As Profit Centre Head contributed true global perspective, intimate knowledge of global business and acute insight in potential business impact.
• Played a key role in tracking competition on products, infrastructure & initiatives and executing plans for growth of the agency.
• Fostered culture of excellence by ensuring service delivery to customers is as per standards.
• Leveraged skills and ability in securing a rank among the top performing Managing Partners in the company for four consecutive years & had been invited to attend the Executive Council Meetings at Kathmandu, Bangkok, Cochin and Colombo.
• Functioned as an articulate leader who played a key role in initiating a turnaround in the Company’s operations in Bangalore.Obtained Board’s mandate to expand operations in Karnataka.
• Turnaround Bangalore operations and expanded business in Karnataka, achieving $5M in annual gains.
• Among the 15 Council Qualifiers from Bangalore in 2006 – A threefold increase over 2005 – the highest in South India.
• Being nominated as a member of the New Products Advisory Committee in 2007.
• Recipient of the Chairman’s Award for the New Office with the highest CGPA.
• Among a select few Office Heads who was invited to contribute & participate in the Growth Leadership Practices program to share best business practices
• Conceptualized strategies and implemented effectively that surpassed the business targets for four years in succession
• Increased the annual revenue from zero to $2.7M, surpassing business targets each year with award-winning account growth
•  New Initiatives:
• Leveraged skills and ability setting up new offices, Jaipur-1,Jaipur-2, Mangalore, Mysore, Hubli and Bangalore-3,4 growing revenue from $2.2M to $7.1M in 1 year
•  Change Management: Served as a core team member for a Change for growth initiative, “Polivartan,”
•  Invited to address the SM Champions Meet in Goa in April, 2007 and conduct a session

Apr 2002 – Sep 2002 · 5 mos

•  Demonstrated skills and ability in launching the Company’s Life Insurance business in Rajasthan by opening the Jaipur, Jodhpur & Udaipur offices.

Aug 2001 – Apr 2002 · 8 mos

• Administered the company’s Asset Finance Division in Northern India.
• Successfully managed a large network of relationships with 33 Tata Engineering Dealers.
• Functioned as a Administrative Head for the asset finance portfolio in North spreading over 17 branch offices in Delhi, Haryana, Punjab, and Rajasthan & U.P.
• The portfolio included 35,000 contracts with a stock on hire of Rs.700 Crores.

May 1999 – Jul 2001 · 2 yrs 2 mos

• Head for the bank’s Retail Assets Business in North India – Commercial Vehicle , Construction Equipment financing, Two Wheeler financing, Channel financing & Retail Trade financing.
• Interacted with manufactures & dealers for managing commercial vehicle, construction equipment & two wheeler financing.
• Credit administrator & administrative head for the bank’s retail asset portfolio in North.
• Achievements
• Established relationships with major transporters in the Northern India.
• Front runner in two wheeler finance industry.
• Increased the clientele base for the Bank’s Channel Financing program with Hero Honda Motors Ltd., Yamaha Motors Escorts Ltd., Eicher Motors Ltd., Escorts JCB Ltd., Hyundai Motors & Xerox Modicorp in North India.

Apr 1998 – Apr 1999 · 1 yr

• Supervised the operations of the company’s retail asset and liability activities.
• Managed leasing & hire purchase of trucks , light commercial vehicles & two wheelers.
• Head for financial & administrative activities of the company’s branches in North.
• Accountable for marketing the company’s car finance schemes by heading its joint venture with General Motors- General Motors Acceptance Corporation.
• Achievements
• Successfully launched the company’s two wheeler financing in the Northern India.
• The Region had the highest percentage growth in Fixed Deposits.
• Instituted an all India manufacture tie up with Hero Honda Motors Ltd. & regional tie ups with Bajaj Auto Ltd. & Escorts Yamaha Motors Ltd.
• Established a dominant position in the Two Wheeler market in Northern India in a short span.

Feb 1993 – Apr 1998 · 5 yrs 2 mos

• Responsible for the leasing & hire purchase activities.
• Fixed Deposit mobilisation for the company in Northern India.
• Managed the financial & administrative activities of the 10 branch offices in Punjab, Rajasthan , U.P., Haryana & Delhi.
• Initiated the Company’s Consumer Credit Reference Initiative in association with Satyam Computers.
• Established the company’s new branches at Jaipur, Udaipur & Jodhpur.
• Achievements
• Northern region contributed approx. 50% of the company’s total business.
• Achieved growth of 35% in disbursement in 1996-97.
• Exceeded deposit mobilisation targets in 1996 and 1997.
• Jaipur was the company’s fastest growing branch in the country. The state exceeded asset and liability business targets for three successive years.
• Achieved the No.1 position in car finance in Jaipur & leader in Earthmoving Equipment finance.
• Established the company as a leader among NBFCs in Rajasthan.

Feb 1989 – Jan 1993 · 3 yrs 11 mos

• Managed human resources by creating a team of well motivated, multiskilled & customer oriented staff members.
• Business development through emphasis on relationship banking.
• Ensured high product delivery standards.
• Achievements
• Domestic deposits at the Bombay main branch, the flagship branch of the bank, exceeded business targets for two years in succession – 1990 and 1991.
• Associated with the launch of the ANZ Grindlays Visa Credit Card in India.
• Initiated the bank’s retail lending activities in Kerala – the largest NRI Market for the Bank.
• Was the youngest Branch Manager in the Bank at the age of 24.
• Established the bank as a premier financial institution in the state of Kerala.
• Involved in the Relocation & merger of a major part of retail banking business of the bank branches at Cochin & Ernakulum.

Sep 1988 – Jan 1989 · 4 mos

• • Worked in the hire & purchase division – Automobile, Consumer durable & medical equipment finance