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Swapnil Tripathi 
Assistant General Manager at Earth Infrastructures Ltd. 
swapnil.tripathi2@gmail.com 
Summary 
I am an MBA with work experience of more than 10 years in the field of Profit Center Management,P& L 
accountability,Business development, Financial Sales, Retail asset, Retail liabilities,Relationship Management, 
Team Management and cross functional synchronization. 
Currently i am working with a real estate company as Assistant General Manager( Sales & Marketing), Have 
spearheaded bank and various NBFC branches in the past assignments. Developing channels and identifying 
key accounts for business and revenue generation and moreover establishing strong distribution network and 
sales team for driving the sales of financial and other products. 
Experience 
Assitant General Manager (Sales & Marketing) at Earth infrastructures limited 
May 2014 - Present (8 months) 
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. 
Business Unit Manager at Fullerton India Credit Company Ltd. 
June 2013 - January 2014 (8 months) 
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. 
Page1
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. 
Branch Sales Manager at AXIS BANK LTD 
September 2012 - June 2013 (10 months) 
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. 
Page2
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. 
Branch Head at ING Vysya Bank 
December 2010 - September 2012 (1 year 10 months) 
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. 
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 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. 
Branch Manager at Citifinancial Consumer Finance India Ltd 
January 2006 - September 2010 (4 years 9 months) 
JOB ROLE: 
Page3
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. 
Successfully launched and drived the loan sourcing channel through retail outlet (shopperstop, Spencer and 
Big Bazar) in Lucknow. 
Branch won the overseas trip to Srilanka and Malaysia on overachievement of insurance revenue targets. 
Branch received satisfactory audit ratings on all the various audit parameters. 
Bancassurance officer at ICICI Prudential Life Insurance Company Limit 
April 2004 - December 2005 (1 year 9 months) 
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 organize 
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 
Page4
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. 
Languages 
English (Full professional proficiency) 
Hindi (Native or bilingual proficiency) 
Skills & Expertise 
Team Management 
Relationship Management 
Business Development 
Banking 
Profit Center Management 
Cross-functional Coordination 
Management 
Sales Management 
Business Planning 
New Business Development 
Identifying and acquiring HNI 
Business Process Improvement 
Channel Sales 
Business Networking 
Dealer and distribution Management 
Compliance 
Customer Service 
Business Intelligence 
Credit Risk 
Team Leadership 
Teamwork 
Customer Acquisition 
sales budgeting 
Retail Asset 
Retail liabilities 
P & L Accountabilty 
Life Insurance 
General Insurance 
MIS 
Sales 
Page5
Loans 
Credit 
Vendor Relationship Management 
Vendor Management 
Microsoft Excel 
Microsoft Office 
Branch Banking 
Retail Banking 
Finance 
CRM 
Risk Management 
Credit Analysis 
Marketing 
Forecasting 
Insurance 
Business Strategy 
Financial Services 
Real estate 
Education 
Uttar Pradesh Technical University 
Master of Business Administration (M.B.A.), Marketing and finance, 1993 - 2004 
Grade: 1st 
Activities and Societies: participated and won in various contests in the management fest, successfully hosted 
various public events in the college. Was the central coordinator for various events and activities held in 
management college. 
University of Lucknow 
Bachelor of Commerce (B.Com.), Accounting and Business/Management,, 1998 - 2001 
Grade: 2nd 
Activities and Societies: case studies, skit, Debates, Admad Show 
Interests 
sports, economics and economy watch, banking, 
Page6
Swapnil Tripathi 
Assistant General Manager at Earth Infrastructures Ltd. 
swapnil.tripathi2@gmail.com 
Contact Swapnil on LinkedIn 
Page7

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Swapnil tripathi.cv

  • 1. Swapnil Tripathi Assistant General Manager at Earth Infrastructures Ltd. swapnil.tripathi2@gmail.com Summary I am an MBA with work experience of more than 10 years in the field of Profit Center Management,P& L accountability,Business development, Financial Sales, Retail asset, Retail liabilities,Relationship Management, Team Management and cross functional synchronization. Currently i am working with a real estate company as Assistant General Manager( Sales & Marketing), Have spearheaded bank and various NBFC branches in the past assignments. Developing channels and identifying key accounts for business and revenue generation and moreover establishing strong distribution network and sales team for driving the sales of financial and other products. Experience Assitant General Manager (Sales & Marketing) at Earth infrastructures limited May 2014 - Present (8 months) 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. Business Unit Manager at Fullerton India Credit Company Ltd. June 2013 - January 2014 (8 months) 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. Page1
  • 2. 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. Branch Sales Manager at AXIS BANK LTD September 2012 - June 2013 (10 months) 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. Page2
  • 3. 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. Branch Head at ING Vysya Bank December 2010 - September 2012 (1 year 10 months) 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. 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 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. Branch Manager at Citifinancial Consumer Finance India Ltd January 2006 - September 2010 (4 years 9 months) JOB ROLE: Page3
  • 4. 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. Successfully launched and drived the loan sourcing channel through retail outlet (shopperstop, Spencer and Big Bazar) in Lucknow. Branch won the overseas trip to Srilanka and Malaysia on overachievement of insurance revenue targets. Branch received satisfactory audit ratings on all the various audit parameters. Bancassurance officer at ICICI Prudential Life Insurance Company Limit April 2004 - December 2005 (1 year 9 months) 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 organize 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 Page4
  • 5. 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. Languages English (Full professional proficiency) Hindi (Native or bilingual proficiency) Skills & Expertise Team Management Relationship Management Business Development Banking Profit Center Management Cross-functional Coordination Management Sales Management Business Planning New Business Development Identifying and acquiring HNI Business Process Improvement Channel Sales Business Networking Dealer and distribution Management Compliance Customer Service Business Intelligence Credit Risk Team Leadership Teamwork Customer Acquisition sales budgeting Retail Asset Retail liabilities P & L Accountabilty Life Insurance General Insurance MIS Sales Page5
  • 6. Loans Credit Vendor Relationship Management Vendor Management Microsoft Excel Microsoft Office Branch Banking Retail Banking Finance CRM Risk Management Credit Analysis Marketing Forecasting Insurance Business Strategy Financial Services Real estate Education Uttar Pradesh Technical University Master of Business Administration (M.B.A.), Marketing and finance, 1993 - 2004 Grade: 1st Activities and Societies: participated and won in various contests in the management fest, successfully hosted various public events in the college. Was the central coordinator for various events and activities held in management college. University of Lucknow Bachelor of Commerce (B.Com.), Accounting and Business/Management,, 1998 - 2001 Grade: 2nd Activities and Societies: case studies, skit, Debates, Admad Show Interests sports, economics and economy watch, banking, Page6
  • 7. Swapnil Tripathi Assistant General Manager at Earth Infrastructures Ltd. swapnil.tripathi2@gmail.com Contact Swapnil on LinkedIn Page7