1. DHEERENDRA PANDEY
Add: #104, Anand Deep Building, Indrayani Nagar, Bhosari, Pune
Contact: +91-8793-091-984; E-mail: dheerendra03@gmail.com
ACCOMPLISHED SALES MANAGEMENT PROFESSIONAL
An Accomplished leader who takes the Sales Quality Assurance campus into the very top tier of elite Corporates.
CAREER GLIMPSES:
A competent professional with 7.5+ years of experience across in Branch Business
Development Management, Sales, Customer Service, Relationship Management and
Bad Debt Management in Finance sector. Proven track record in achieving retail
management and credit delivery targets with comprehensive knowledge of
business planning tools and a strong drive; presently associated with L&T Finance
Ltd, Pune as Team Sales Manager.
Strategic Planning / New Setups: Establishing goals & developing plans for the
achievement of these goals. Creating, managing and streamlining start-ups
Collections & Recovery: Preparing legal documents & securing o/s installments
within defined due dates in different delinquency buckets. Monitoring collections
& recovery process, devising & setting up new processes & procedure for
improving collections.
Credit Administration: Involved in address verification, credit verification, Data
Duplication Check - CPA Management, MIS preparation and defining credit limits based on demographics.
Performing the functions of assessing creditworthiness of clients and taking adequate steps to ensure receipt of
payments & recovery of bad debts.
Customer Relationship Management: Conceptualizing customer retention strategies based on extensive
analysis of service operation loopholes and market dynamics. Maintaining the CSMM, CSI and Process index
scores as per the circle yardstick. Providing valuable advice to people on how to pay overdue account
considering various payment options. Managing delivery of value-added customer service for escalation of client
satisfaction levels
Portfolio Management: Analyzing portfolio performance on various aspects namely, industry wise, product
wise, segment wise etc. and carve out strategy based on this report
Team Management: Leading a team of risk officers at all levels for analysis, assessment, management and
implementation of risk mitigation policies. Training, motivating, mentoring and guiding subordinates on the
various risk containment policies, new trends as well as fraud prevention & detection.
Strategizing business directions to ensure profitability in line with organizational objectives.
Last 7+ Years have been into lending business (All Retail Asset Products) managing direct channels & indirect
channels acquisition of salaried personal loans, Personal Loans, small ticket loans, SME Business Loans, Home
Loans & more recent is Loan against Property.
PROFESSIONAL EXPERIENCE & MILESTONES-A GLANCE
L&T FINANCE LTD. Since Jul’2014
Team Sales Manager
Achieving disbursement targets for Mortgage Loan-Loan Against Property/Home Loans through Lead
Generation and Fulfillment from the Branch Network and Open Market
Develop and Manage sales channels/partners – both external referrals channels, DSAs as well as builders
Meeting up with builders and getting their project approved
Creating a strong and compliant sales culture to drive acquisitions, profitability and employee development
Identify the need of sales training, analyzing changing market trends, channel deployment etc, Also giving
feedback and suggestions to the RSM, retaining and Handling high performers and their productivity levels.
Managed and supported the effective deployment of team of sales professionals with respect to that
geographical area, exploring new markets and in allocating resources to most profitable opportunities.
Creating a strong & compliant sales culture across the channel to drive acquisitions, profitability and employee
development.
CORESPECIALIZATION:
 Sales Management
 Sales Operations
 Quality Assurance
 Process Improvement
 Team Management
 Client Relationship
 Business Development
 Relationship Management
 Employee Engagement
 Process Improvement
 Diversity Programmes
 Production Planning
 Risk Management
 Mortgage Lending

2. Identifying the need of sales training, analyzing changing market trends, channel development etc. Also giving
feedback & suggestions to the senior management.
Ensure implementation of promotional plans & contests and suggesting new and innovating promotion plan for
the area of work.
Ensuring highest levels of employee relationship, motivation & engagement to drive results & high levels of
employee satisfaction.
Skillfully establishing and acquiring new Channels like initiating tie ups with DSAs, Free Lancers, and Financial
Partners etc and enable them to be profitable for the organization.
Played Lead role in In-house Team Management, Plan, Control, Guidance, Motivation, Training and
Development, Performance Assessment, Reporting, Delegation of work, Productivity, Profitability and took
necessary corrective action.
MAGMA FINCORP LTD., Pune Aug’13-Jun’14
Relationship Manager
Actively involved in the process of conducting weekly review meetings, analyze performance gaps if any and
take/recommend appropriate action to achieve sales targets for the sales team.
Driving and monitoring sales targets for the budgeted year, planning target breakdown for the team and
providing forecast information in the management meetings.
Planned and strategized implementation of marketing campaigns, promotional activities and surveys for the
sales team, Also Monitored reports related to seizing orders, seized inventory, receivables, receipt control
reports on daily basis and early defaulters in absence of Receivable Manager.
Ensure relationship building and prescription generation growth through key opinion leaders in the medical
specialty segment.
Handling and Training of Vendors like CPV agency/ CPA Agency and Valuators. Conducting various training
programs on policy and process related updating on the same. And Ensuring the quality reports and data comes
from these vendors without compromise on the TAT
Entrusted with the responsibility of gathering market information & sending the report to superiors &
efficiently created a co-ordination with Sales, operations and Collection team to ensure the quality of the
Business.
BAJAJ AUTO FINANCE LTD. Delhi Mar’12-Jul’13
Collection Manager
To ensure internal collection rules, local regulations are implemented for Passenger Car/Commercial Vehicle
loans and leases collection activities.
Supervising the team for managing high value fraud cases / defaulters / insolvent clients and initiating
appropriate legal actions against them
Allocating cases, handling capacity planning, ensuring field visits, curtailing flow rates and normalization of
delinquent accounts.
Devising and effectuating risk policies & managing wide risks and implementing effective mechanisms to
mitigate the same.
To manage compromised and restructured cases to minimize credit losses and work closely with outsource
agents for best repossession success and maximize loss recovery from written-off cases.
Legal Affairs: Managing legal department for sending the legal notices to the non-payment accounts.
Monitoring accounts & developing reports to ensure compliance with legal statutes & initiating strong legal
action in case of continuous payment default
Customer Relationship Management: Enhancing customer satisfaction matrices & monitoring customer
complaints. Building & maintaining healthy business relations; ensuring maximum customer satisfaction
Team Management: Recruiting, training & monitoring the performance of team members to ensure efficiency
in sales, operations and meeting of individual & group targets. Conducting meetings for setting up objectives
and designing or streamlining processes to ensure smooth functioning of sales and operations.
MAHINDRA & MAHINDRA FINANCE LTD .Delhi Mar’09-Feb’12
Customer Associate
ACADEMIC EXPOSURE: A GLANCE
MBA (Finance & Marketing )-Lucknow University-2009
Advance Diploma In Computer Application (ADCA)
Date of Birth: 30th Sep 1984 Languages: English, Hindi
Passport Details: References: Available on request