Avinash Kumar

Area Sales Manager Job Profile: Responsible for sales of financial products: retail assets as loan based on hypothecation on Commercial vehicles (asset based funding) Sales and Collection Drive retail volume and motivate the retail sales team - Have a continuous and high degree of engagement with the Sales team, in coordination with Credit, Finance and Operations, and in alignment with product, especially its sales team and Dealers

Chief Manager Risk (Delhi NCR and adjoining states) Commercial & Business Banking Group & reports to national Credit Head,

Responsible for leading modeling, analysis, and reporting efforts on auto finance, Debt Management, Commercial vehicles, construction Equipment & Material handling equipment loan portfolio to anticipate, identify, and mitigate credit risk exposure whether related to loan acquisition or portfolio management activities. When focused on loan acquisition, the position involves conducting analysis to mitigate credit risk, set credit policy, and evaluate credit demographics, credit execution and credit structure.

Credit & Risk/Sales/Receivable management of loan products for Transport Finance as commercial vehicles, Material handling Equipment , Construction Equipment & Investment products

Credit & Risk/Sales/Collections/ for loan products l;ike Transport Finance as commercial vehicles, Material handling Equipment , Construction Equipment & Investment products * Achieving Net sales & Collection Target through Direct Sales and Non Direct Channels. * Handling the DSA & DMAs in Delhi NCR to achieve the Branch Target * Channel Sales Management for profit of the Organization as * Relationship Management with the non Direct Channels and Clients to provide them Quality Services.

• Responsible for all Branch operations and functions as Credit, Sales & Collection management, Sales operation, Coordination with the Sales staff & make flow of information to them all the new Schemes and Policies of Company, • Responsible for all branch banking activities as Cash / Cheque Deposition, TT. Bank Reconciliation, Overdue Calculation, Bounce Cheque Collection. • Interact with the customers and Channels to provide them Valuable Services.

Personal Investment, Multinational Business Finance, Managing Multinationals, Merchant Banking and Financial Services, Risk and Derivatives & Management control System Marketing Channel, Sales Force Management, Brand Management and Sales Promotion

Micro Economic Analysis, Statistics, Advance Statistics , Macro Economic Theory, Public Finance & Agricultural Economics,

Mathematics, Physics ,Chemistry & English Language