Aditiya Vikram Agarwal has over 10 years of experience in product management, strategy formulation, and sales. He is currently a Senior Manager of Product and Sales at Reliance Commercial Finance, where he has launched new products and achieved sales targets. Previously, he worked at Union Bank of India developing their financial inclusion strategy through new products and business models. He holds an MBA from Indian Institute of Management Ahmedabad and has received several academic and career achievements.

1. A D I T Y A V I K R A M A G A R W A L
M A L E , 3 1 Y R S { C o n tact : +9 1 -7 49 86 1 48 88 ; adit ya 18 4 @ g mai l .c o m }
PROFESSIONAL EXPERIENCE
Senior Manager, Product Cum Sales, SME & MF, Reliance Commercial Finance July11 - Present
Reliance Capital Limited, Corporate Office, Mumbai: One of the Leading NBFCs with a loan book size of Rs 17000 Cr.
Achievements
 Five new product ideas were selected by the management out of 90 ideas that came in as part of Innovation Project
 Drove the products end to end for getting additional business of Rs 500 Cr. in two years with a PBT of Rs 20 Cr.
 Achieved sales of Rs 706 & 1050 Cr. for FY 13-14 & 14-15 respectively for MF product with company best ROE(team 4)
 Part of the Team for formulating strategy for targeting MSME customers through Cluster Based Approach (team of 10)
 Awarded Best Product Manager in the company for financial year 13-14
 Consistent achievement of 150%+ of designated KPIs for all the years at organization
Primary Responsibilities
 Product Innovation- Come out with new product ideas and product policy modifications
 Channel Management- Roll-out schemes for motivating and incentivizing sales force and direct selling agents
 Undertaking analysis of business model, financials, operational data, product and processes of MFIs and SME
 Structure Deals as per customers(Corporate/MFI) requirements keeping in line with policies and product profitability
 Corporate Sales- Liaise with customers and underwriting team for materializing proposals up to Rs 50 Cr.
 Relationship Management- Continuous interaction with customers for delivery of quality service and new sales
Senior Manager, Strategy Formulation & Implementation, Financial Inclusion Division, July09 – July 11
Union Bank of India, Central Office, Mumbai: One of the Top Five Nationalized banks in India with a business mix of
Rs 300000 Cr. and the leaders in the Financial Inclusion Space across the banking industry.
Achievements
 Formulated a Three Year Financial Inclusion Plan of the bank and made a presentation of the same to the
Dy. Governor, Reserve Bank of India (team of 4)
 Made a presentation to the Top Management on the present position and future rural strategy of the Bank
 Structured a new product for financing Joint Liability Groups through Bio-metric smart cards (team of 2)
 Developed Micro-Remittance business from 50 transactions a day to 6000 transactions a day (team of 2)
 Developed a new Micro-Finance channel for Bank by associating with a project of Govt. of Bihar and World Bank
Primary Responsibilities
 Policy Formulation and Strategizing for scaling up pilot projects and developing new business models
 Analyzing the working of selected Branches & Business Correspondents for achieving the targets
 Negotiating with Business Correspondents on commercials and process finalization
Junior Management Executive, M/s. Chhedi Lal Agarwal & Co., Kolkata (Pre-MBA) May05 – Jan07
The Family owned company undertakes proprietary trading of sugar and is Broker and Commission Agent for most of the
leading sugar manufacturers of India doing business across the country.
Achievements
 Achieved sales of 4 Lakhs bags of sugar in 6 months April 06 – Sep 06, the highest in the company for the period
 Successfully dealt with more than 500 customers with zero complaints registered for services rendered
 Increased the turnover of the company by Rs 80 lacs within a period of 17 months (May05 – Sep06)
Primary Responsibilities
 Conducting market analysis to assess demand and suitable sales price for providing quotation to manufacturers
 Purchase of sugar from secondary market and factories for trading to minimize cost of procurement
 Sale of sugar in the targeted markets to maximize turnover as per the demand and buyers requirement
 Handled day to day finances like realization of payments, investing funds for optimum utilization and returns
EDUCATION
MBA Indian Institute of Management- Ahmedabad 2009 Grade - B
CA (Inter) Institute of Chartered Accountants of India 2005 58.00%
B. Com (Hons.) Bhawanipur Education Society College, University of Calcutta 2005 66.25%
Class XII (C.B.S.E) Hariyana Vidya Mandir, Kolkata 2002 77.60%
Class X (C.B.S.E) Hariyana Vidya Mandir, Kolkata 2000 82.20%

2. ACADEMIC ACHIEVEMENTS AND AWARDS
 Won 1st Prize in Word Formation Competition at Union Bank of India
 Won 1st Prize (among 45 teams across India) in a marketing case study event at Marksfete’08 at NITIE, Mumbai
(titled “ Jain Irrigation Ltd. a Case Study”) in 2008 (team of 2)
 Awarded 2nd position (among 50 teams) at Marketing World Cup’08 the annual marketing summit of IMT,
Ghaziabad for the event titled “Black hole (Case Study Analysis)” in 2008 (team of 2)
 Finalists of Store-Wars event at IRIS,2008 the annual business festival of IIM, Indore (team of 3)
 Finalists (among 53 teams) for Mahindra War Room Contest, 2008, an event for formulating a sector strategy for
one of the various sectors the company has operations (team of 4)
 Secured 6th position (of 160) in Class X Board exams in school
 Won 1st prize in Intra School Quiz Competition in 2000-01
PROJECTS UNDERTAKEN AT IIMA
 Global Agribusiness- Business Plan for setting up of a bio-ethanol manufacturing plant (individual)
 Management of Microfinance- Book Review ‘Putting Institution First- Even in Microfinance’ by A.P. Fernandez (individual)
 Globalizing and Resurgent India Through Innovative Transformation- Report on the issue ‘Bridging the Urban-Rural Divide’
under the guidance of former President of India Dr. A.P.J. Abdul kalam (team of 3)
 Strategy Formulation and Implementation- Report: Porter’s Five Forces Analysis, Competitor Profiling and Strategic
Grouping of Indian Retail industry (team of 6)
LIVE PROJECTS
 Seminar in Retail Management- Report on ‘The effects of Strategic Drivers and Challenges in Retailing’ based
on study of a multi branded shoe outlet in Ahmedabad named as Shoe Factory (team of 5)
 Strategic Food & Agro-Marketing-Formulated a Marketing Plan for a juice bar named as Joos, Ahmedabad (team of 6)
SUMMER INTERNSHIP APRIL08 - JUNE08
 RPG Spencer’s (Mumbai) - Studying Consumer Behavior at Malad Hyper for Spencer’s Retail Ltd.
 Constructed a questionnaire to map the consumer behavior and buying pattern with respect to different
aspects of a retail outlet like serviceability, outlay, display, products availability and cross merchandizing
 One-on-one interaction with 250 customers for gathering customers perception about the store
 Mapping position of the store with respect to customer’s perception of the store and in comparison to
other retail stores
 Conceptualizing of probable promotional schemes that can be implemented to enhance turnover and to
study the consumer’s viewpoint on the probable schemes
POSITIONS OF RESPONSIBILITY
 Prefect in school (1200 students) for 4 consecutive sessions (1999-2002)
 Co-ordinator, Finance Control Cell, Amaethon 2009 (IIMA’s Annual Agribusiness Management Summit)
 Led a team of 3 and was responsible for budgeting and managing finances amounting Rs 3o lakhs
 Member, Finance Control, 3 member cell for Chaos’08 (Annual National Level Cultural Festival of IIM-A)
EXTRA CURRICULAR ACTIVITIES AND ACHIEVEMENTS
 Won 3rd Prize in Intra Reliance Capital Table Tennis Tournament in 2012
 Awarded Certificate of Merit for good conduct and application at school in 2000-01
 Won Man of the Match award in Inter House Football Tournament in school in 2000-01
 Awarded Player of the Tournament in Inter House Basket Ball Championship in 2000-01
OTHER INTERESTS
 Collecting Stamps of different countries, at present collection is about 5000 stamps
 Trading and Investing in Capital and Forex Markets
 Travel Enthusiast - enjoy knowing new cultures and meeting new people