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@razuacharya
Results-driven Sales & Business Development leader in education loans.
I am a results-driven Sales & Business Development leader with extensive experience in Education Loans, Retail Lending, and Digital Partnerships. Specializing in high-ticket education loans for students aspiring to study abroad, I have successfully managed a team of 25 members, overseeing a book size of ₹300 Crs. My focus on HNI clients and process optimization has consistently driven high profitability, achieving the #3 position in the region.
Throughout my career, I have developed and executed sales strategies that drive growth and expand distribution networks. I excel in building strong relationships with key partners and stakeholders, ensuring efficient operations and enhanced revenue generation. My expertise in structuring complex loan cases and improving turnaround times has led to high levels of customer satisfaction and operational efficiency.
I am passionate about leading high-performing teams and fostering a culture of accountability and motivation. My commitment to ethical business practices and sustainable growth aligns with my goal of driving impactful results in the financial services sector.
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Work history, roles, and key accomplishments
M/s. Aditya Birla Capital Ltd.
Nov 2023 - Present (2 years)
Developed and executed sales strategies for education loans, retail lending, and digital products. Led a high-performing sales team to exceed targets and align with company goals. Analyzed market trends and competitor strategies to refine sales approaches and identify new business opportunities.
Auxilo Finserve Private Ltd.
Sep 2018 - Present (7 years 2 months)
Specialized in abroad education loans and retail lending, focusing on high-ticket solutions for overseas studies. Managed HNI clients, structured loan cases efficiently, and improved turnaround time (TAT) to enhance customer satisfaction. Led a 25-member sales team, managing a book size of "300 Crs / "3000 million.
Avanse Financial Services Ltd.
Sep 2017 - Present (8 years 2 months)
Led a high-performing branch with a 10-member sales team, driving them to achieve sales targets and increase branch revenue. Promoted cross-selling opportunities such as life insurance and forex. Conducted regular credit discussions to maximize the conversion of sanctions.
HDB Financial Services Ltd.
Oct 2015 - Present (10 years 1 month)
Led the branch team in sourcing and disbursing secured and unsecured loan products, ensuring the branch met annual targets. Drove cross-selling initiatives for products such as credit shields, life insurance, and credit cards. Oversaw credit control, operations, and collections to ensure smooth branch functioning.
Dyanamiic Domains Pvt. Ltd.
Nov 2014 - Present (11 years)
Oversaw Sales & Marketing, recruitment, and payroll operations for domestic branches in Chennai and Coimbatore. Managed a team of 13 members, including sales training, ERP, and technical & admin roles. Responsible for client acquisition, analyzing credit periods, conducting buyer meetings, and promoting products through presentations.
Axis Bank Ltd.
May 2008 - Present (17 years 6 months)
Managed a wide network of 60 branches, 10 dealers, and oversaw the BB Online channel to ensure smooth operations and sales performance. Led and mentored a 16-member team, fostering a collaborative environment to achieve set goals and drive business growth. Awarded Best Sales Manager three times for consistently maintaining high turnaround times (TAT) and meeting key performance targets.
Ricoh India Ltd.
Mar 2007 - Present (18 years 8 months)
Served as Senior Territory Manager – Sales/Key Accounts, specializing in office automation products including copiers, color MFDs, and A0 MFDs. Managed key accounts and sales operations in the North Chennai region. Achieved significant sales targets and maintained strong client relationships.
Airtel / Bharti
Dec 2002 - Present (22 years 11 months)
Managed Fixed Lines, DSLs, BRI, and leased lines for both residential and commercial clients. Responsible for key account relationship management. Ensured high levels of customer satisfaction and retention.
Degrees, certifications, and relevant coursework
Diploma, Electricals
Completed a Diploma in Electricals.
Bachelor of Business Administration (BBA), Business Administration
Studied Business Administration, gaining foundational knowledge in business management principles.
Bachelor of Commerce (Bcom), Commerce
Completed a Bachelor of Commerce degree, focusing on commercial studies.
Mini MBA, MBA
Completed an online Mini MBA program, enhancing business management skills.
Masters in Marketing & Sales Management, Marketing & Sales Management
Pursued a Masters in Marketing & Sales Management, focusing on advanced strategies in marketing and sales.
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