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SWAPNIL TRIPATHI 
Contact No.: 09648927688 ~ E-mail: swapnil.tripathi2@gmail.com 
~ SYNOPSIS ~ 
− More than 10 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 relationship value and increase revenues. 
− Handling grievances, assisting in providing support 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. 
− 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. 
 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. 
 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. 
 
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) of the branch and 
increase the profitability of the branch on month on month basis. 
 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 Banks objective. 
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 17.6 crores by dedicated telecalling done to educate the customers about 
the various aspects of a good CIBIL score and good credit history. 
Axis Bank Ltd (Bhopal), 
Branch Sales Manager 
Duration-September 12—till 15th June 2013
JOB ROLE: 
 Generating income through sales of CASA (retail liabilities products), BB,, cross sell of third 
party products 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, colour, 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 hem to focus on cross sell for achieving the incentives targets. 
 100 accounts were acquired in a 2 day holi festival campaign. 
ING vysya Bank Limited, 
(Silvassa, U.T of Dadra and Nagar Haveli) 
Branch Head 
Duration - Dec 2010-Sep 2012 
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 team of 15 people for the entire sales and banking operations process for the 
retail semi urban bank branch. 
 Identifying and Driving HNI / Corporate/ Retail for high yielding business, deposit and 
advances. 
 Enhancing profitability of branch by high return-low cost business, CASA accounts balances 
and strict budget control and increasing the productivity of the sales as well as operations 
team. 
 Follow up with Govt.Dept, Corporations, societies, trusts for high volume deposits. 
 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. 
 Overseen the recruitment, training, policy updating, performance and overall development of 
the team. 
 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, 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. 
 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 5 days 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. 
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: 
 Handled the responsibilities for the profitability of the entire branch by the sale of personal 
loans, business loans, mortgage loans and third party products (life and general insurance) 
and been in charge of the delinquency as well as loss rate by keeping a vigil on credit and 
collection. 
 Managing the team of 20 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 EBIT 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) of the branch and 
increase the profitability of the branch on month on month basis. 
 Responsible for the administration of the entire branch. 
 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 Banks objective. 
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 retail outlet (shopperstop, 
Spencer and Big Bazar) in 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. 
ICICI Prudential Life Insurance Company LTD (Kanpur), 
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. 
 Liaisoning 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. 
 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 
pendencies. 
 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. 
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. 
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 year old son.

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Swapnil tripathi. latest cv

  • 1. SWAPNIL TRIPATHI Contact No.: 09648927688 ~ E-mail: swapnil.tripathi2@gmail.com ~ SYNOPSIS ~ − More than 10 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 relationship value and increase revenues. − Handling grievances, assisting in providing support 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. − 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.
  • 2.  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.  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.  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.  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) of the branch and increase the profitability of the branch on month on month basis.  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 Banks objective. 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 17.6 crores by dedicated telecalling done to educate the customers about the various aspects of a good CIBIL score and good credit history. Axis Bank Ltd (Bhopal), Branch Sales Manager Duration-September 12—till 15th June 2013
  • 3. JOB ROLE:  Generating income through sales of CASA (retail liabilities products), BB,, cross sell of third party products 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, colour, 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 hem to focus on cross sell for achieving the incentives targets.  100 accounts were acquired in a 2 day holi festival campaign. ING vysya Bank Limited, (Silvassa, U.T of Dadra and Nagar Haveli) Branch Head Duration - Dec 2010-Sep 2012 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 team of 15 people for the entire sales and banking operations process for the retail semi urban bank branch.  Identifying and Driving HNI / Corporate/ Retail for high yielding business, deposit and advances.  Enhancing profitability of branch by high return-low cost business, CASA accounts balances and strict budget control and increasing the productivity of the sales as well as operations team.  Follow up with Govt.Dept, Corporations, societies, trusts for high volume deposits.  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.  Overseen the recruitment, training, policy updating, performance and overall development of the team.  Responsible for dealing with external and internal auditors, inspections and compliance.
  • 4.  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 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.  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 5 days 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. 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:  Handled the responsibilities for the profitability of the entire branch by the sale of personal loans, business loans, mortgage loans and third party products (life and general insurance) and been in charge of the delinquency as well as loss rate by keeping a vigil on credit and collection.  Managing the team of 20 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 EBIT 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) of the branch and increase the profitability of the branch on month on month basis.  Responsible for the administration of the entire branch.  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 Banks objective. 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 retail outlet (shopperstop, Spencer and Big Bazar) in Lucknow.  Joined citifinancial as officer and earned three grade promotions from officer to assistant manager and then to manager.
  • 5.  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. ICICI Prudential Life Insurance Company LTD (Kanpur), 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.  Liaisoning 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.  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 pendencies.  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. 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. B.Com Lucknow University 2001
  • 6. 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 year old son.