Suitable career options

1. SWAPNIL TRIPATHI
Contact No.: 09648927688 ~ E-mail: swapnil.tripathi2@gmail.com
~ SYNOPSIS ~
− More than 10.6 years of experience in the field of Profit Centre Management, Financial Sales,
Relationship Management and Team Management.
− Currently working with Earth infrastructures limited as Assistant General Manager Sales
and Marketing.
− Sound skills in effectively implementing business plans and attaining the pre-set sales targets.
− Core experience in successfully executing and coordinating all the sales and marketing activities
and consistent in maintaining strong relationship with the customers and key accounts.
− Expert in at analyzing market trends to provide critical inputs and utilizing the analysis in making
important financial decisions.
− Excellent analytical, negotiation & inter-personal skills with demonstrated communication and
relationship management abilities.
Sales & Business Development
− Formulating competent business strategies to market a wide range of Financial Products and ensuring the
attainment of set sales and profit targets.
− Analysing latest marketing trends and tracking competitors’ activities and providing valuable inputs for fine
tuning sales & business development strategies.
− Running the promotional activities & accountable for increasing sales growth and driving sales initiatives in
order to achieve business goals.
Relationship Management
− Mapping client’s requirements and providing them expert advisory services pertaining to selection of various
products.
− Building and strengthening relationships with key accounts ensuring high customer satisfaction by providing
them with complete product support.
− Deepening relationship for increasing total relationship value and increase revenues.
− Handling grievances, assisting in providing solutions to the clients.
Team Supervision
− Leading & monitoring the performance of team members to ensure efficiency in operations and meeting of
individual & group targets.
− Identifying and implementing strategies for building team effectiveness by promoting a spirit of cooperation
between team members and creating synergies between various functions.
− Recognising areas of improvements and organising training programs for the same.
CAREER CONTOUR
Current Assignment -
Earth Infrastructures limited (Lucknow, Kanpur),
Assistant General Manager since May 2014
JOB ROLE:
 Responsible for the revenue generation by the sales and marketing of the high niche end real estate
residential and commercial properties for the Lucknow, Kanpur and its nearby adjoining locations.
 Managing a team of 10 people for entire 360 degrees sales management and operations for selling these
real estate properties which are majorly located at major national and international biz and residential
venues.
 Identifying, acquiring and maintaining relationship with HNI, retail and corporate clients.

2.  Identifying, developing and maintaining relationship with key channels and networking professionals for
prospect generation and customer acquisition.
 Developing new channels, alliances and distribution network for better sales penetration and revenue
growth.
 Conducting seminars and meets for brand promotion and for increasing market penetration & sales.
 Responsible for recruitment, training, performance and overall development of the team.
 Forecasting sales targets and executing them in a given time frame thereby enhancing customer base.
 Providing after sales services and support to resolve various customers’ queries and issues on subject
matters related to real estate ensuring smooth transition and close of sale from launch till possession of
the project enhancing customer satisfaction and smooth sales process.
ATTAINMENTS:

 Esp focussing on providing the trust factor to customers to invest the funds in real estate by
offering the best dream home solutions and dream commercial places with a touch of pleasure
luxury and comfort enabling to help the society members to have their dream homes and
offices.

Previous Assignments
Fullerton India credit company limited,
Branch Manager (Kanpur)
Duration – 18th
June 2013 till 25th
of January 2014
JOB ROLE:
 Handled the responsibilities for the profitability of the entire branch by the sale of personal loans, business
loans, two wheeler loans, and mortgages and been in charge of the delinquency as well as loss rate by
keeping a vigil on credit and collection.
 Managing the team of 15 people for the entire sales, credit and operations process and customer service
of the personal loan, business loans, two wheeler loans, mortgage loans and third party products.
 Overseen the recruitment, training, policy updating, performance and overall development of the team.
 Responsible for building new channels and leveraging existing relationships for better sales penetration.
 Conducting PD on high volume cases and pitching them to respective authorities for their final approval
and providing suggestions on the credit policies covering the critical sales aspect.
 Consistent growth in PBT AND ANR by maintaining the focus of team on cross sell of insurance products
and high volume cases.
 Consistently working to increase the ROTA (Return over total assets) and profitability of the branch month
on month.
 Execute and monitor overall administration and efficient daily operations of branch including operations,
lending, product sales, customer service, security and safety in accordance with the organisation
objective.
 Credit and risk signing authorities and bank account operating authority of bank account with different
banks along with signing authority of the final legal agreement between the customer and branch.
ATTAINMENTS:
 Consistently made the branch profitable by focussing on retail numbers and small ticket size and by
crossell of fee based products.
 The branch was profitable with average profit of 3 lacs on monthly basis and was operating on ROTA
(return over total assets) of 3 paise per rupee.
 Maintained the delinquency rate and loss rate under the required levels of below 5% of the entire portfolio
of 22.6 crores by dedicated telecalling done to educate the customers about the various aspects of a good
CIBIL score and good credit records.
Esp motivated the staff for the value addition and focus to understand the profitability matrix of
unsecured products and portfolio and to focus on disbursement of net cash at appropriate rates in
order to provide the value to the investment of the stakeholders with positive return.
Axis Bank Ltd (Bhopal),
Branch Sales Manager
Duration-September 2012—till 15th
June 2013

3. JOB ROLE:
 Generating income through sales of CASA (retail liabilities products), BB,, cross sell of third party
products(life and general insurance, Gold, mutual fund, portfolio management services) and all the retail
banking products offered by the retail bank branch.
 Managing the branch sales team of 10 people directly for the sales of all the retail banking products and
coordinating with the entire branch staff and assisting them in sales activities.
 Identifying and driving HNI / Corporate/ Retail for high yielding business and deposits and advances as
well.
 Follow up with Govt.Dept, Corporations, societies, trusts for high volume deposits.
 Formulated and implemented various marketing as well as sales promotion activities, conducting various
sales promotions events on festivals (distribution of cards, colours, and flowers in the bank vicinity
depending on festivals) for generation of more leads for various products offering.
 Enhancing profitability of branch by high return-low cost business, CASA accounts, strict budget control
and increasing the productivity of the sales as well as operations team.
 Conducting various get together, customer meet and increasing customer engagement by seminars and
presentations and discussions on subject matter related to finance, economics and banking issues.
 Overseen the recruitment, training, policy updating, performance and overall development of the team.
ATTAINMENTS:
 Acquired one of the major key account of Makson industries (manufacturer of Vicks, éclairs and other
confectionery and small medicated items) also acquired some big savings accounts of charitable
institutions.
 Ensured the average productivity of every sales staff by focussing on nos and as well as values and
motivating them to focus on cross sell for achieving the incentives targets.
 100 accounts were acquired in a 2 day holi festival campaign.
 The entire branch staff was productive on investment products esp life and general insurance, gold and
mutual funds.
Achievement during the short tenure with the Axis Bank was to motivate young team members to focus
on cross sell and value as well as on nos as it was the key criteria for the team members to get
confirmed in their services and avail all the benefits of Axis Bank. Thus promoting and motivating co-
workers to align their objectives with the banks objectives
ING vysya Bank Limited,
(Silvassa, U.T of Dadra and Nagar Haveli)
Branch Head
Duration - Dec 2010-Sep 2012
JOB ROLE:
 This job role is much more clearly explained in my Axis bank assignment in the above lines as far as sales
operations were concerned the role at Axis bank was of the same nature. The only difference was in the
culture in the different work environment with an added responsibility of managing the operations of the
branch
 Managing the entire branch operations team.
 Tracking the exceptional transactions and ensuring that branch adheres to KYC and AML norms at all
times.
 Customer Service and tracking and ensure TAT and customer satisfaction for the branch.
 Adherence of compliance and regulatory policies by continuous supervision, monitoring and training to
staff.
 Responsible for dealing with external and internal auditors, inspections and compliance.
 Execute and monitor overall administration and efficient daily operations of branch including operations,
lending, deposits, product sales, customer service, security and safety in accordance with the Banks
objectives.
ATTAINMENTS:
 Increased the CASA deposit base from 12 cr to 19 cr in a span of one year.
 Branch was among the top 3 spot pan India in terms of cross sell penetration in JFM 11.

4.  Branch won an overseas trip to Tashkent by overachieving quarterly target of 8 lacs of LI of revenue in
JFM 2011.
 Achieved the highest balance of 25 cr for last 7days at the end of the financial year 2011-12 year in a
single current account.
 Achieved the profit of 82 lacs for the financial year 11-12.
 Branch got the award for highest forex revenue in the entire cluster for the F.Y of 2011-12.
 Branch received satisfactory audit ratings on all the various audit parameters.
Branch was ranked as one of the best semi urban bank branch with the focus on CASA acquisition and
cross sell and was ranked no 2 in the cluster of South Gujarat and MP as the 2nd
most profitable branch
amongst the cluster of 7 branches
CitiFinancial Consumer Finance India Ltd,
Duration – Jan 2006 till Sep 2010
Branch Manager Jodhpur (May 2009 –Sep 2010).
Branch Manager Lucknow (Jan 2006-May 2009).
JOB ROLE:
 The job role with Fullerton Kanpur branch as BUM was very mich similar as explained above in the last
assignment but with different team and on different software module for a very longer tenure.
ATTAINMENTS:
 Won the star employee award in the entire division for exemplary contribution in the first quarter of
joining.
 Initiated and successfully drived the Loan mitra channel (empanelling small retail store for lead generation
and brand promotion) and Gruhlakshmi channel (empanelling middle aged housewives as loan sourcing
agents) in Lucknow.
 Successfully launched and drived the loan sourcing channel through high end retail outlet (shopperstop,
Spencer and Big Bazar) in the malls of Lucknow.
 Joined citifinancial as officer and earned three grade promotions from officer to assistant manager and
then to manager.
 Branch won the overseas trip to Srilanka and Malaysia on overachievement of insurance revenue targets.
 Attended various financial, compliance and safety training, was also trained by CSIS (citigroup security
and investigative services) for location spoc.
 Won the award for maintaining the highest cross sell penetration in the entire North division and third only
in the country.
 Won the highest Titanium category award for keeping the branch continuously profitable and successful on
other various parameters.
 Branch received satisfactory audit ratings on all the various audit parameters
.
The branch was always profitable even in the strongest storm of recession and downward trend of the
unsecured loans. Branch was always profitable and the best workplace and environment for every
coworker and customers.
ICICI Prudential Life Insurance Company LTD (Kanpur city, Kanpur dehat, Lucknow),
Bancassurance officer,
Duration April 2004- Dec 2005.
JOB ROLE:
 Managed a gamut of sales and marketing activities of the life insurance and pension products in 17
branches and 7 extension counters of BOI.
 Liaising and building relationship with bank staff and sales staff of corporate agents for the sales of life
insurance and pension products to the customers.
 Instrumental in planning, developing and implementing the business model for the effective distribution of
insurance products in the assigned bank branches.

5.  Imparting regular training to the sales force and lead generators of bank and CA’s on various aspects of
insurance sales.
 In-charge of the Broker Channel at Kanpur-Karvy Consultants, India Infoline and Bajaj Capital.
 To Built better relationship and enhance rapport with BOI staff and other corporate agents and to organise
various felicitation and cake cutting ceremony for motivation and on target achievement.
 Coordinate with different departments to ensure timely logins, issuance and resolution of pendency.
 Providing after sales services and support to resolve various customers’ queries and issues on subject
matters related to insurance and pension ensuring smooth transition and close of sale from login till
issuance of the policy enhancing customer satisfaction and smooth sales process.
ATTAINMENTS:
 Increased the average premium significantly by more focus towards the sales of ULIP products and HNI
SEGMENT of the bank.
 Successfully acquired the sales and volume targets consistently as well as assisted in providing sales and
after sales services and financial advisory services to the customer.
 Kanpur BOI (Bank of India) relationship was no 1 location in eastern UP in terms of business numbers.
Esp achievement and ethical product offering to one of the existing client by resolving the issue of
section -10(10D) ensuring the faith and and strengthening the client’s trust and providing value to the
stake holders.
ACADEMIA
MBA Institute of Cooperative and Corporate 2004
Marketing and Finance Management Research and Training, Lucknow
(U.P Technical University)
Participated and won a case study, debate and skit in JIMFEST organized by Jaipuria Institute of
Management Lucknow and also successfully initiated and organised Inter MBA College Cricket
tournament for UPTU MBA colleges of LUCKOW district.
Central coordinator for all the events and activities for the MBA department for the 2002-04 batches.
B.Com Lucknow University 2001
PERSONAL PROFILE
Date of Birth - 25th
July 1980
Languages Known - Hindi and English
Current Address - ED/Q-870, Sec-Q, Aliganj, Lucknow -226024
Permanent address - ED/Q-870, Sec-Q, Aliganj, Lucknow -226024
Marital Status - Married and blessed with a 2.6 year old son.