Sachin Patwardhan is a banking and financial services professional with over 12 years of experience seeking managerial assignments. He has extensive experience in retail banking, finance, business analysis, and portfolio management. Currently he is the Country Group Head at Mahindra & Mahindra Financial Services Ltd where he is responsible for product development, maintaining portfolio quality, and generating new technology solutions. Previously he has held roles like Regional Manager, Area Sales Manager, and Relationship Manager at HDFC Bank Ltd and ICICI Bank Ltd where he has consistently achieved business targets and received various awards.

1. SACHIN PATWARDHAN
Mobile: +91-9552544004
E-Mail: sachinpat211@gmail.com
Seeking managerial assignments in the field of Banking and Financial Services Sector / IT with an
organization of high repute
PROFESSIONAL SNAPSHOT
 A competent professional with over 12 years’ experience of Financial Products, Retail Banking finance ,
Business Analysis and Market Assessment Studies.
 Previously associated with Retail Asset loans & Liabilities,Channel Network Development.
 Possess strongcommunication,inter-personal and problem solvingskills with an ability toworkin multi-
cultural environment.
CORE COMPETENCIES
 Product and Policy Development - Finance
 Retail Asset loans & Liabilities
 Channel Network Development
 Relationship Management
 SME Finance – Working Capital, Inventory
Funding
 Sales Forecasting and Planning
 Portfolio Management
 Trade advance & Inventory Funding
Management
PROJECTS HANDLED
 Organization: Dishnet DSL Ltd, Pune (Oct 2001 - Nov 2001)
Conducted comparison study of different value added services offered by different ISP's in Pune.
Studied about the implementation and various advantages of VPN technology available.
 Organization: Indian Oil Corporation, Vadodara (1999 - 2000)
Studied Fractionating Column for the production of various petroleum products from crude Petroleum.
TRAINING
 Undergone trainings on Personal Effectiveness and Leadership.
 Attained training on Communication Skills
CAREER HIGHLIGHTS
Mahindra & Mahindra Financial Services Ltd. (NOV 2013 till date) Country Group Head
Key Responsibilities
 Responsible for designing Financial Product/Policies for Loans to boost the OEM/Dealer Sales at national
level.
 Responsible for running a profit center by maintaining a healthy portfolio with least NPA/Provisioning at
national level.
 Responsible to generate ideas for new Technology platform to reduce the TAT and to improve effective
Customer Service.
 Managing OEM/dealer relationships at national level.
 Proven expertise in Car Loans, Two Wheeler loans, Commercial vehicle loans, Tractor loans, Used Car
Finance, Collections, Credit Cards, Personal Loans, Car Overdrafts, Liabilities Products (CASA, FD),
Insurance, etc.
 Proficient in drivingmarket sharegrowth,expanding the client baseand retainingcustomer loyalty
through after sales service and resolvingissues / queries of customers and end users
 Portfolio Management by keeping loses in check with least NPA & Provisioning.
 Disposal Loss management.
 Trade Advance & Inventory Funding Management
 NPA Management.

2.  Employee Productivity Analysis.
 Controlling Product Mix.
Mahindra & Mahindra Financial Services Ltd. (JULY 2010 till OCT 2013) Regional Manager
Accomplishments:
 Significant Contribution by achieving the all time high business for the Company in assigned region in
the first 6 months of joining. Highest growth of the region Pan India.
 Responsibility toincrease/Retain the Market share for all the Auto Sector/Tractor/Commercial Vehicle/Two
Wheeler Sector.
 Controlling the portfolio by
 Recorded ever-highest profitabilityfor the assigned region with least delinquency by maintaining a quality
portfolio.
Highest Profitable Region Award Pan India with 55 Cr’s of Profitability. Received the Best Branch Award
for Pune. Also Received Best Auto Sector Business Region Pan India.
HDFC Bank Ltd, Pune (Jan 2006 to June 2010) Area Sales Manager
 Ensuring volume of business and increase in profitability to achievestipulated business targets.
 Responsible for Car & Personal Loan Business in assigned region.
 Maintainingthe quality of portfolio as per thecompany benchmarks.
 Looking after the collection of 1st EMI from the customers.
 Managing activities related toCross-Sell of third party products like General insurance.Credit cards.
 Dealing with theCross-sell of investment product like Insurance, Recurring, Fixed deposit etc.
 Expanding customer basethrough a variety of effective promotion techniques.
 Maintainingrelation with thecustomer for sourcing business.
 Providing best customer serviceand enhancing servicestandards in the branch.
 Directing workactivities tothe team,motivatingand providingguidance & trainingto achieve
individual and team goals.
 Seven Sales Managers directly reportingto me & we aremanaging a monthly portfolio of 10+ Cr ’s.
 Managing an indirect team of 35 executives across the Maharashtra region.
 Looking after the inventory funding for the car dealers across ROMG.
Accomplishments:
Contributed significantly in developing all upcountry markets of Maharashtra for retail banking products.
Awarded by Business Head for achieving highest cross sales in the region.
ICICI Bank Ltd, Jaipur ,Pune (Apr 2003 - Dec 2006) Relationship Manager
Responsible for sourcing and servicing accounts (HNI) with excellent Relationship Management
Techniques.
 Generated business from channel partners & direct sources.
 Analyzed business requirements for clients, advised them to review the financial plans and provided
 Appropriate wealth management solutions to them.
 Identified and sourced new business opportunities; prepared the database of potential clients.
 Developed existing Business score and Corporate Relationship by Brand building and promoting major
 Banking Products.
Accomplishments:
 Achieved 130% of the disbursal targets for the financial year 2004-05 with least delinquency on record.
 Recognized with Star Performer Award for ICICI Lombard as a cross sell activity for Car Loans
 (Achieved yearly targets in 5 months).
 Developed new locations for Car Loans in the districts like Pune, Solapur, Latur, Satara, Baramati,
 Ahmednagar, etc. to increase the penetration of ICICI Bank Car Loans business.

3.  Demonstrated ability by developing upcountry market from a business of 1.5 Crores to 4.5 Crores within a
span of 9 months.
 Played key role in handling around 9 DSA's and 8 Dealers for Car Loans and instrumental in handling a
business of 11 Crores, which is 25% of the total ICICI Car Loan business in Pune & Spokes.
ACDAEMIA
 PGDM (Marketing & IT), Indian Institute of Modern Management (2002) – 62%
 B.E (Chemical Engg.), Pandit Ravi Shankar Shukla University, Chhattisgarh (2000) – 66.29%
FORTE
Certification CISCO Certified Network Associate Certification (CCNA)
Banking Software LOS / Finnone / Finnware / CRM /EMLAP
Other Application MS Office and Internet
Programming Language C basics
Operating Systems Windows 95, 98, 2000
CO-CURRICULAR ACTIVITIES
 Represented State Level, Inter College Badminton Championships.
 Participated in Drama, Short plays & other cultural activities in School as well as in College.
PERSONAL DOSSIER
Date of Birth: 2nd June 1978
Permanent Address: Flat No.303, Bldg. A1/B, Siddhivinayak Ginger, Behind Planet Millennium,
Pimple Saudagar, Pune - 411027
State-Maharashtra