Dhiraj Mathur, PhD

CEO

Mumbai, Maharashtra, India25 yrs 11 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Expert in building B2B e-commerce ecosystems.
Proven track record in MSME lending and banking.
Strong background in sales training and effectiveness.

Stackforce AI infers this person is a Banking and E-commerce expert with a focus on MSMEs.

Contact

Skills

Other Skills

Cross SellingLoansRelationship ManagementBankingTeam ManagementCreditRetail BankingMISCredit RiskCredit AnalysisPortfolio ManagementManagementSalesMortgage LendingSales Operations

About

Multi Skilled professional having spearheaded Sales, Product and Training roles in a business 'set up' eco-system. Experience spanning multiple Universal Banks, an NBFC and a Small Finance Bank. Equipped with deep understanding of 'Lending Business' and how MSMEs deploy resources, have mapped my skills to a startup incubated by L&T Group - L&T SuFin, a unique 360 degree 'Integrated e-Commerce Marketplace' for B2B Buyers and Sellers. Starting with setting up the business from zero up in Punjab, Haryana, Himachal and J&K for the platform, i am currently the 'Lead' for improving sales team efficiency by curating customized training programs for them. Conference paper reviewer for international academic platforms including the European Academy of Management and Academy of Management, with a research focus on small family businesses and a continued commitment to bridging industry practice with academia.

Experience

25 yrs 11 mos

Total Experience

3 yrs 2 mos

Average Tenure

4 yrs 6 mos

Current Experience

Larsen & toubro

2 roles

Lead - National Sales Training & Effectiveness

May 2023 – Present · 3 yrs 1 mo

Head Business - Punjab, Haryana, Himachal and J&K

Nov 2021 – Apr 2023 · 1 yr 5 mos

SuFin Limited is a wholly owned subsidiary of Larsen & Toubro and is contributing towards building an integrated B2B e-commerce ecosystem for industrial and construction products. The platform enables seamless buying and selling for manufacturers and traders by integrating product discovery, pricing, working capital finance, logistics, and secure transaction mechanisms into a unified digital marketplace.

Equitas small finance bank

Set up Business Banking Division in Punjab

May 2019 – Oct 2021 · 2 yrs 5 mos · Chandigarh

Built MSME business focused on OD/CC/LAP/LRD products

Jm financial

Leadership role for SME & LAP business set up and business generation

Nov 2015 – May 2019 · 3 yrs 6 mos · Mumbai

Set Up the entire Business Model for LAP & SME Lending with focus on Digital Channel.
Product Development & existing Product Enhancements to provide a first mover advantage in the market. Initiatives include building Tab based Lead Management System,Product unbundling basis assessed customer need and creating pre-qualified offers for SME customers.
Research initiatives to identify potential clusters and sectors for focused lending strategy.
Building up Open Market,Cross Sell and alternate Channel model with focus on low acquisition cost - larger PPC (Product Per Customer) approach. Launched Tier 1 location business across Chennai, Ahmedabad, Pune besides Mumbai.
Setting Up and working closely with Business Analytics (backed by predictive modelling tools) team at CO and lean Business Teams across business locations.
Specialise in Trainings to sales force to add strength to their Product and Selling Skills.

Axis bank

2 roles

Assistant Vice President - Product,(Home Loan & Loan Against Property), Central Office, Mumbai

May 2010 – Oct 2015 · 5 yrs 5 mos

A multi-role specialist adept at building and implementing Product and Sales strategies for Mortgage business.
Current role includes driving Business,Yield, Fee income targets and control Delinquencies through product/process development/improvement for Home Loan & Loan Against Property Product. Product Development initiatives along with competition tracking being key roles. Instrumental in building the PSL policy for Mortgage business.
Micro role in monitoring and managing - a) Revenue Optimization and Cost control, b) Pricing discipline in line with cost of funds scenario and competition.

Retail Asset Centre (RAC) Head,Patiala

Jun 2008 – May 2010 · 1 yr 11 mos

Headed Sales, Credit, Operations and Collection functions of Home Loan, Home Equity, Personal Loan and Auto Loan verticals for the Bank at Patiala, Punjab. Launched Auto Loans and Loan Against Security business at Patiala for the Bank during the stint. Was directly responsible for contribution to the top-line,bottom-line,yield and fee income of the Profit Centre with local sanctioning powers upto Rs 50 lakhs for mortgage loans.

Indusind bank

Regional Manager

Mar 2006 – May 2008 · 2 yrs 2 mos · Chandigarh Area, India

Launched Home Loan initiative for the Bank for Punjab, spreading Loan Division network across Chandigarh,Ludhiana,Jalandhar, Amritsar and Bathinda.

Icici bank

Branch Sales Manager

Jan 2004 – Jan 2006 · 2 yrs · Jalandhar Area, India

Handled Pre-sanction initiatives for ICICI Bank - Home Loans/Home Equity Loans for Jalandhar, Punjab. Certified BEST (Business Etiquette and Sales Training)Trainer to equip the sales teams with both soft and selling skills.

Sify technologies limited.

Territory Marketing Manager

Jan 2004 – Jan 2004 · 0 mo · Jalandhar Area, India

Set Up Sify 'iway' franchise model through potential franchise profiling, solicitation, business model presentation and closure of location with franchise finalisation. Ensured smooth transition of 'new franchise' hand over to projects team for setting up of a Sify 'iway'.

Ssi limited (eventually a part of aptech limited)

Territory Manager

Jan 2002 – Jan 2004 · 2 yrs · Chandigarh Area, India

Developed Franchise networks, generated business and Implemented ISO 9001:2000 certified
systems and procedures at all profit centers, for customer sales, support and retention.

Niit

Territory Manager

Jan 1999 – Jan 2001 · 2 yrs · Chandigarh Area, India

Rapidly achieved goals of launching IT Education Centers in small markets with no prior company presence. Business generated for networked Centers by devising and executing Marketing Strategies across centers in Punjab, Haryana and Himachal.