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.
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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.
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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:
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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
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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
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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,
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7. Swapnil Tripathi
Assistant General Manager at Earth Infrastructures Ltd.
swapnil.tripathi2@gmail.com
Contact Swapnil on LinkedIn
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