NAVIN MEHRA
Pune
Summary
Highly competent professional with nearly 24 years of experience in strategic sales and marketing, revenue generation, analyzing and evaluating client behavior, operations management, and business management.
Key focus on bottom-line profitability and effective management of business operations with a strong emphasis on top-line performance through vendor management in diverse sectors.
Skilled planner, strategist, and implementer with expertise in devising and implementing strategies to achieve business development targets, add key accounts to the portfolio, and acquire new accounts on a global scale.
Successfully managed complete business operations with liability for profitability, forecasting sales targets, and executing them within given time frames.
Strong business and commercial acumen drive new business through conceptualizing strategies, introducing and establishing new products in multiple markets and industries.
Proficient in managing general administration, logistics coordination, relationship management, market analysis, and new market development.
Resourceful professional acting as the single point of contact for implementing marketing strategies, sustaining efforts for sales and lead generation, and resolving operational issues and client concerns.
Effective in monitoring, assessing, anticipating, and meeting field sales requirements to reinforce the product in the market.
Strong leadership skills and negotiation capabilities allow for effective direction, leadership, training, and motivation of large multicultural workforces while imparting training and career development for greater operational efficiency and business excellence.
Overview
7
7
years of professional experience
Work History
Head Alternate Channels (Micro Business Loan)
Svakarma Finance Pvt.Ltd.
10.2023 - Current
- Joined as consultant to increase business volumes through alternate channels & setting up various processes/imparting trainings to the indirect team to increase business volumes
- Instrumental in doubling the business volumes through indirect model along with decline in cost of acquisition
- Getting empaneled various corporate & non-corporate channels to increase the business
- Instrumental in controlling the bouncing ratios & restricting the early bouncing ratios (9 MOB) by proactive approach & calling from the respective Relationship Manager for 97% collection
- Instrumental in increasing the per person productivity up 44 lacs with WIRR of 25%
- Balancing the direct & indirect sourcing in the portfolio to maintain branch profitability
- Reviewing & analyzing the portfolio health to understand the trend & to take corrective action accordingly to avoid slippages
- Targeting & focusing the MSME sector being its less prone to the delinquency which comprises more than 70% of total book
- Built a healthy portfolio of 68 Cr in indirect channel with average ticket size of 10 lacs in current phase
- Created a floated channel management program to create a better presence in the channel & increase in productivity of the RM
Zonal Sales Head (Micro Business Loan) (West & South)
IDFC First Bank Ltd.
06.2017 - 05.2020
- Managing & administering portfolio size of INR 800 Crores; setting up new satellite branches for identifying micro markets for effecting plans to reach out unexplored market segments & customer groups using market segmentation & penetration strategies for business expansion
- Maintaining high discipline and norm adherence, coordinating with superiors for cross trainings and innovative suggestions to improve operational functioning; ensuring that the teams adhere to all the quality procedures; taking initiatives through various programs so that the team members understand all the policies and procedures
- Supervising the complete business operations with liability of profitability, forecasting monthly & annual sales targets & executing them in a given time frame.
- We were the first financier to start funding the NTC(-1) customer where in none use to take call these profiles.
- Was handling a team size of 650 people which comprises 575 off rolls & 75 on rolls staff.Average DST productivity was 8 lacs & RM productivity was 42 lacs.
- Have set up 45 branches across West & South region out of that 23 in West & 22 in South.
- Since the product matrix was High Risk High returns hence we were managing the WIRR of 18% in secured & 26% in unsecured.
- Product mix was of 60% unsecured & 40% secured thru identyfying the imperfect collateral region basis ti get better yield.
- To keep a control on the bouncing ratio was various analysis , RM calling on previous month disbursal cases,reminder messages in regional language on contact.
Education
Masters in Personnel Management (HRM) - HRM
Institute of Management Career Courses, Pune University
2009
B.Com. (Marketing & Advertisement) - Marketing & Advertisement
Garware College Of Commerce
1993
Skills
- Motivator
- Communicator
- Collaborator
- Strategic Sales & Marketing
- Business Development
- Market Research & Analysis
- Relationship Management
- Training & Development
- Revenue Generation
- Team Building & Leadership
- Channel & Distribution Management
Languages
English
Hindi
Marathi
Gujarati
Punjabi
Trainings Attended
- Spin Selling Training Program
- Train The Trainer
- Building Cultural Capability
- Interpersonal Effectiveness & Influencing Skills
- Managerial Effectiveness
- Negotiation Skills
- Team Management & Challenging Limits
Notable Accomplishments
- Won Ace Employee Award of the Quarter (January-March 2016).
- Won Ace Employee Award of the Quarter (July-September 2015).
- Won Ace Employee Award of the Quarter (April-June 2015).
- Awarded for the Best Team of the year 2015.
- Rewarded as ESOPs from Capital First Ltd.; and HDFC Bank for an excellent performance.
- Successfully rated as Mr. Pune Region at HDFC Bank in 2005 for maximum contribution & rocket jumping the business numbers of the region.
- Received Certificate of Excellence towards doubling the PL Book at Development Credit Bank Ltd. (2006-2007).
Previous Experience
- Capital First Ltd., State Business Head (Mortgages & Home Loan), 09/07/07-06/17/17
- Development Credit Bank Ltd., Area Head (Unsecured Loans– ROM), 08/97-04/01
- HDFC Bank Ltd., Area Sales Manager (Auto Loans), 05/01-06/05
- Kotak Mahindra Primus Ltd., City Head (Auto Loans), 08/97-04/01
- Sai Service Station Ltd., Executive Marketing (Auto Loans), 05/95-06/97
- Bajaj Auto Finance Ltd., Field Officer, 11/93-05/94
Personal Information
Date of Birth: 01/11/73
Timeline
Head Alternate Channels (Micro Business Loan)
Svakarma Finance Pvt.Ltd.
10.2023 - Current
Zonal Sales Head (Micro Business Loan) (West & South)
IDFC First Bank Ltd.
06.2017 - 05.2020
Masters in Personnel Management (HRM) - HRM
Institute of Management Career Courses, Pune University
B.Com. (Marketing & Advertisement) - Marketing & Advertisement
Garware College Of Commerce
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