Manish Sharma is a National Sales Manager with over 15 years of experience in banking and insurance. He is currently working for Island Life Assurance in Mauritius, where he manages sales, marketing, and training. Prior to this role, he held several managerial positions with Max Life Insurance in India, where he received various performance awards. Sharma has expertise in sales, marketing, product development, and team management. He aims to leverage his experience to contribute to a growth-oriented career in the services industry.
Water Cycle
Evaporation
Condensation
Precipitation
Sun
Heat from the sun changes water into water vapor
When the sun changes water into water vapor, this is called EVAPORATION
Condensation
Water vapor forms clouds
When water vapor forms clouds this is called CONDENSATION
Rain or snow falls from clouds
We call this PRECIPITATION
References
https://www.google.com/search?q=water+cycle&ie=utf-8&oe=utf-8
https://www.google.com/search?q=water+cycle&source=lnms&tbm=isch&sa=X&ved=0ahUKEwjKpO6HkevNAhWCopQKHXnSBrUQ_AUICCgB&biw=1366&bih=624#imgrc=Ucq0HlUbLTac-M%3A
https://www.google.com/search?q=water+cycle&source=lnms&tbm=isch&sa=X&ved=0ahUKEwjKpO6HkevNAhWCopQKHXnSBrUQ_AUICCgB&biw=1366&bih=624#tbm=isch&q=sun
https://www.google.com/search?q=water+cycle&source=lnms&tbm=isch&sa=X&ved=0ahUKEwjKpO6HkevNAhWCopQKHXnSBrUQ_AUICCgB&biw=1366&bih=624#tbm=isch&q=sun&imgrc=jfRaVFv6S7zG5M%3A
Water Cycle
Evaporation
Condensation
Precipitation
Sun
Heat from the sun changes water into water vapor
When the sun changes water into water vapor, this is called EVAPORATION
Condensation
Water vapor forms clouds
When water vapor forms clouds this is called CONDENSATION
Rain or snow falls from clouds
We call this PRECIPITATION
References
https://www.google.com/search?q=water+cycle&ie=utf-8&oe=utf-8
https://www.google.com/search?q=water+cycle&source=lnms&tbm=isch&sa=X&ved=0ahUKEwjKpO6HkevNAhWCopQKHXnSBrUQ_AUICCgB&biw=1366&bih=624#imgrc=Ucq0HlUbLTac-M%3A
https://www.google.com/search?q=water+cycle&source=lnms&tbm=isch&sa=X&ved=0ahUKEwjKpO6HkevNAhWCopQKHXnSBrUQ_AUICCgB&biw=1366&bih=624#tbm=isch&q=sun
https://www.google.com/search?q=water+cycle&source=lnms&tbm=isch&sa=X&ved=0ahUKEwjKpO6HkevNAhWCopQKHXnSBrUQ_AUICCgB&biw=1366&bih=624#tbm=isch&q=sun&imgrc=jfRaVFv6S7zG5M%3A
Clouds
What are clouds?
A cloud is a large collection of very tiny droplets of water or ice crystals. The droplets are so small and light that they can float in the air.
Why do clouds float?
A cloud is made up of liquid water droplets. A cloud forms when air is heated by the sun. As it rises, it slowly cools it reaches the saturation point and water condenses, forming a cloud. As long as the cloud and the air that its made of is warmer than the outside air around it, it floats!
There are 3 main types of clouds:
Cirrus or thin feathery clouds
Stratus or layered clouds
Cumulus or fluffy clouds
Cirrus Clouds
Are the most common of the
high clouds. They are composed of ice and are thin, wispy clouds blown in high winds into long streamers. Cirrus clouds are usually white and predict fair to pleasant weather. By watching the movement of cirrus clouds you can tell from which direction weather is approaching. When you see cirrus clouds, it usually indicates that a change in the weather will occur within 24 hours.
Stratus Clouds
are uniform grayish clouds that often cover the entire sky. They resemble fog that doesn't reach the ground. Light mist or drizzle sometimes falls out of these clouds.
Cumulus Clouds
are white, puffy clouds that look like pieces of floating cotton. Cumulus clouds are often called "fair-weather clouds". The base of each cloud is flat and the top of each cloud has rounded towers. When the top of the cumulus clouds resemble the head of a cauliflower, it is called cumulus congestus or towering cumulus. These clouds grow upward and they can develop into giant cumulonimbus clouds, which are thunderstorm clouds.
The Importance of Clouds
Clouds help regulate Earth's energy balance by reflecting and scattering solar radiation and by absorbing Earth's infrared energy.
Clouds are required for precipitation to occur and, hence are an essential part of the hydrologic cycle.
Clouds indicate what type of atmospheric processes are occurring (e.g., cumulus clouds indicate surface heating and atmospheric turbulence).
Clouds help redistribute extra heat from the equator toward the poles.
References
https://www.google.com/search?q=clouds&biw=1366&bih=624&source=lnms&tbm=isch&sa=X&ved=0ahUKEwixqOqjlu3NAhVHNpQKHbtGCE0Q_AUIBigB#imgrc=_
https://www.google.com/search?biw=1366&bih=624&tbm=isch&q=clouds+clipart&sa=X&ved=0ahUKEwir8paml-3NAhXGkJQKHSrFAPUQhyYIHQ&dpr=1#imgrc=WZWIVB52x_MJRM%3A
https://en.wikipedia.org/wiki/List_of_cloud_types
http://www.weatherwizkids.com/weather-clouds.htm
What do plants need to grow ?
WATER
Water is necessary for proper germination of seeds.
Plants need water for growth.
LIGHT
Green plants need sunlight in to make their own food.
NUTRIENTS
Plants need the minerals found in soil for healthy growth.
WARMTH
Plants only grow well in the right conditions.
Temperatures that are too cold or too hot may affect how the plant grows.
Plants need water, air, nutrients, and sunlight to grow.
References
https://www.google.com/search?q=water+cycle&source=lnms&tbm=isch&sa=X&ved=0ahUKEwjKpO6HkevNAhWCopQKHXnSBrUQ_AUICCgB&biw=1366&bih=624#tbm=isch&q=plants&imgrc=zZol8-3s3BbYkM%3A
https://www.google.com/search?q=water+cycle&source=lnms&tbm=isch&sa=X&ved=0ahUKEwjKpO6HkevNAhWCopQKHXnSBrUQ_AUICCgB&biw=1366&bih=624#tbm=isch&q=water
https://www.google.com/search?q=water+cycle&source=lnms&tbm=isch&sa=X&ved=0ahUKEwjKpO6HkevNAhWCopQKHXnSBrUQ_AUICCgB&biw=1366&bih=624#tbm=isch&q=water&imgrc=PPFuoqF0BDb2EM%3A
https://www.google.com/search?q=water+cycle&source=lnms&tbm=isch&sa=X&ved=0ahUKEwjKpO6HkevNAhWCopQKHXnSBrUQ_AUICCgB&biw=1366&bih=624#tbm=isch&q=water+plants+clipart&imgrc=b7wMWmxxPdUzQM%3A
A seguito della vincita di un bando di gara, Pessina Costruzioni si aggiudica la realizzazione del nuovo e innovativo Ospedale di Vimercate, grazie al progetto riportato nella presentazione.
A result oriented Professional with over 8+ years of experience in Corporate Sales, Retail Sales, Business Development, Project Managemen
Experience of working in the domain of Sales and Marketing in multiple states, (such as Jharkhand, Bihar, West Bengal , Orissa and Sikkim),Well organized with a track record that demonstrates self-motivation, ability to lead and deliver results in dynamic fast changing environment and initiative to achieve corporate goals
1. MANISH SHARMA
Job Objective
"Looking forward to a challenging and a growth-oriented career in the services industry."
This is facilitated by a desire to work towards addressing the fast changing business
requirements by leveraging upon the work experience
Professional Summary
Dynamic 15+year’s career reflecting pioneering experience & record-breaking performance in
the Banking & Insurance industries.
Currently designated as National Sales Manager with Island Life Assurance-Mauritius
Managing Sales, Marketing & Training vertical in current role.
Certificate of Profitability Champion awarded in Max Life for highest percentage
achievement of annual profitability in 2010.
Certificate of Merit awarded in Max Life for Excellent Performance in year 2008.
Certificate of Appreciation awarded in Max Life for contribution in year 2007.
A keen analyst with exceptional relationship management skills and abilities in liaising with
Banks, Corporate Agents, HNI’s, VHNI’s, C.A’s, Architects, Builders & Property Dealers.
Adjudged as Topper in “I of The Tiger Contest” in HSBC Bank for achieving more than 200%
target for year 2005.
Adjudged as Regional Topper in “Champions of Champions Contest” in ICICI Bank for
delivering highest target for financial year 02-03.
An effective communicator with excellent team leadership & relationship management skills
and strong analytical, problem solving & organizational abilities.
Exceptionally well organised with a track record that demonstrates self-motivation, creativity,
& initiative to achieve both personal & corporate goals.
PGDBM in Marketing from SCDL (Symbiosis Centre for Distance Learning), Pune.
Area of Expertise and Exposure
Sales and Marketing
Channel Development/Coordination
Key Account Management
Team Management
Organizational Experience
Since July’2013 working with Island Life Assurance-Mauritius.
Island Life is part of the Currimjee Group of companies, a conglomerate that speaks for itself.
Island Life, to date, has 29 years’ of experience in the Mauritian market to leverage from. Its
product range caters for both individual and corporate clients.
Career Path
July’12- till date National Sales Manager-(Mauritius)
My Profile includes (Head of Sales, Marketing & Training)
Sales & Planning
Sales & Strategy planning for company
Driving sales through Agency & Alternate channel
Creating Board & Management communication dockets
Monthly business presentation to Board Members
Technology initiatives for improving Distribution efficiency/effectiveness
Recruitment & development of employees
Designing R&R, contests & monthly sizzlers for employees & Business partners
2. Business Development
New alliances with Banks, Corporate Agents, Brokers
Innovation & New Growth Opportunities
Commercial and Contract Negotiations
Structuring financial proposals
Relationship management with business partners
Product Portfolio Management
New Product designing for company & business partners as per market requirement
Coordination with Actuaries for product profitability
Liaising with insurance regulator for approvals
Marketing & Procurement
Brand enhancement through corporate, brand, customer, digital & channel marketing
Liaising with vendors for better deals for company
Relationship management with media houses
Training & development
Designing training modules as per the requirement of sales team & business partners
Managing Training & Development of Agents, Employees & Business partners
Review usefulness of training content with respect to business objectives
Create vision, mission and business goals for the training function
Apr’06-June’13 with Max Life Insurance. Last served as Sr. Manager-Client
Relationship.
A Joint Venture between Mitsui Sumitomo, a 7th
ranked co. in world and Max India Ltd., one of
India’s leading multi-business corporations.
Career Path
July’12- June’13 Sr. Manager-Client Relationship (Mumbai)
My Profile includes
Managing 3000+ team strength of A&A for third party distribution for Mumbai region.
Designing training modules as per the requirement of business partner.
Training & Development for Corporate Accounts & Brokers.
Driving sales through relationships to achieve business goals.
Relationship management with senior officials of business partner.
R&R designing & drive for relationship.
Achievement
Trained around 1000 advisors & seniors of business partner on products & recruitment
skills in past 8 months.
110% achievement of targets in just 8 months of relationship management in Mumbai.
Topped pan India in channel with 160% achievement of JFM-13 targets.
Oct’09- June’12 Sr. Manager-Business Development (Aurangabad)
My Profile includes
To establish new set-up of DCCB’s, UCB’s, SCB’s, RRB’s (districts & town locations) in
Maharashtra & Rajasthan.
Recruitment & Training of Assoc. Relationship Manager, Team Managers, Relationship
Associates, & Sales Associates.
Training of employees of UCB’s.
Drive sales through these relationships to achieve business goals.
Managing operations for smooth movement of business.
Audit & review of Corporate Agent.
Designing R&R, contests & monthly sizzlers for employees & Business partners.
To make new alliances with RRB’s, DCCB’s, SCB’s, Corporate Agents, Brokers, Rural Retail
Outlets etc.
Handle direct & indirect team strength of 40 employees of Max & 200+ employees of
bank partner.
Achievement
Successful recruitment of entire team for the relationships.
Over achievement of target from relationships in just one month of inception.
Awarded Profitability Champion for year 2010.
3. Aug’08- Sep’09 Manager- Business Development (Gurgaon)
My Profile includes
To make new alliances with RRB’s, DCCB’s, SCB’s, Corporate Agents, Brokers, Rural Retail
Outlets etc.
Leading the sales team for generating prospective clients.
Sales Forcasting, P&L Account, Relationship Management for the new Alliances.
Strategies development for new channels for their smooth functioning.
Coordination with Legal, Compliance & other departments for proposal movement.
Regular audits of existing clients.
Regular updates to senior management on the status of proposals.
Coordinating with Group Department for Group Insurance Deals.
Achievement
Tie-up with 5DCCB’s & 1 UCB.
Huge pipeline of SCCB’s, DCCB’s & RRBB’s.
Oct’07- Aug’08 Relationship Manager (Rajasthan)
April’06- Oct’07 Assoc. Relationship Manager (Rajasthan)
My Profile includes
Recruiting, leading, managing, guiding & monitoring a team of Sales Associates,
Relationship Associates, Team Managers, Assoc. Relationship Manager & Training
Executive at different location to achieve pre set goals.
Formulation of marketing strategies for enhancing product awareness among customers at
village level.
Arranging village meetings, camps, road shows & canopy concept to promote the products
& brand image.
Design the Weekly / Monthly Plan to achieve the monthly target and discuss the same with
the team.
Ensuring Training sessions on regular basis for sales & ops. staff to develop confidence in
products and selling skills.
Do the necessary analysis on Approval Rates/ Product mix and fraud trends and take
required action to improve the same.
Responsible to control the delinquency in renewal deposits. Take the corrective measure to
ensure that the delinquency figures are in control.
Responsible for interaction with Ops. Department, Finance Dept., Agency Contracts, and
POS Services at HO to ensure smooth and steady movement of proposals.
Conduct the surprise Audit of the team and give my recommendation.
Designing R&R, contests & monthly sizzlers for MNYL employees & branch staff on monthly
& quarterly basis.
Appraise the performance of the direct reportees and advise the necessary inputs to
improve their performances.
Dec’03-Mar’06 with HSBC Bank Ltd, Jaipur. Last served as Asst. Sales Manager
in Retail Assets.
Career Path
Oct’04- Mar’06 Asst. Sales Manager Jaipur
Dec’03- Oct’04 Retail Asset Officer Jaipur
Job Responsibilities & Notable Accomplishments
Established the network of C.A’s, Builders and Property Dealers to generate the business
of Home Loans & Mortgages.
Home Loan & Personal Loans presentations to corporate & individuals.
Looking after the processing till the final disbursement.
Organise & participate in various Sales Promotion activities like Exhibitions, Road Shows etc.
Serviced HNI & CORPORATE clients for their loan quarries & other banking needs.
Distinction of being the Topper in “I of The Tiger Contest” for achieving more than 200%
target for year 2005 & awarded to attain year convention held at Dubai.
Cross selling Insurance products of Tata AIG to existing & new clients
4. Letter of appreciation for generating maximum no. of Insurance & Investment business
through cross sell.
Aug’02-Dec’03 with DST (Credit Cards) of ICICI Bank Ltd. Last served as
Business Manager.
Notable Accomplishments
Started credit cards business through DST in Jaipur with one employee & expanded it to three
offices & 50 employees.
Instrumental as a whole sole incharge of DST, for achieving sales targets through Sales
Executives & also responsible for operations department.
Cross sell of Insurance products of ICICI Prudential to clients.
Distinction of being the Regional Topper (North) in “Champions of Champions Contest” for
achieving financial year 02-03 targets of in six mths, & awarded to visit GOA with other
Regional Toppers.
June’01-July’02 with Odyssey Marketing. Last served as Officer Cards.
An associate of CITI Bank in Rajasthan dealing into Credit Cards & Merchant Acquiring.
June’00-May’01 with Modi Telecom. Last served as Network Calling Executive.
Education
2006 PGDBM (Marketing) Symbiosis Centre For Distance Learning.
2003 B.Com Rajasthan University, Jaipur.
2000 Sr. Secondary C.B.S.E. Board, Jaipur.
IT Skills
Conversant with window, MS Office – Excel, Word & Power Point.
Certifications
Licentiate Certified in 2012
Attended Management Development Programme on Leadership at XLRI-Jamshedpur from MLI
Association of Mutual Funds in India in 2005.
Address & Contact Details
Current- H.No. 31, 1st
Floor, Avenues Des Pinsons, Sodnac, Quatre Bornes, Mauritius
Mobile No- +23054976913
E-mail- monysharma006@yahoo.co.in
Permanent- H.No. 56, Hira nagar Ext., Nr. 200ft Bi-Pass, Ajmer Road, Jaipur, Rajasthan, India
Date of Birth: 2nd December 1982
Place: -
Date: - (Manish Sharma)