Headline

Territory Manager | Retail Finance & Collections | NBFC & Banking | Operations | Credit Underwriting | MBA Marketing

About

Finance professional with hands-on experience in retail lending, collections, and customer acquisition across NBFC and banking sectors. Currently managing a territory for Hero FinCorp Ltd — driving loan disbursements worth ₹50L+ and achieving 50% collection efficiency within the portfolio. Processed 200+ credit cases with a TAT of 30 minutes, ensuring faster loan approvals and minimal bottlenecks in the disbursement pipeline What I bring to the table: End-to-end field operations — managing a team of 4–5 Sales Executives, overseeing lead generation, disbursement, and recovery Customer relationship management across high-volume, multi-product environments Data analysis using Power BI and Advanced Excel to track performance and flag risks early Cross-functional coordination between sales, credit, and operations teams Target roles: Direct Collections Manager | Operations Manager | Product Manager (BFSI/NBFC) | Branch Operations Open to opportunities in Banking, NBFC, Fintech, and MNCs across Mumbai. 📩 koushalvichare215@gmail.com

Location

Mumbai Metropolitan Region

Work experience

Territory Manager at Hero Fincorp, Jul 2025 - Present · 1 yr, Mumbai, Territory Manager — Retail Finance Hero FinCorp Ltd | Jul 2025 – Present | Mumbai Manage end-to-end retail loan operations across assigned territory covering dealer and direct customer segments Lead and manage a team of 5 Sales Executives assign targets, monitor daily performance, and coach on collections and sales processes Achieved ₹50L+ in loan disbursements within 10 months of joining Drove 50% collection efficiency on the assigned portfolio, reducing overdue risk Coordinate with credit, operations, and dealer network to ensure smooth loan processing and customer onboarding Track territory KPIs using Excel dashboards — TAT, conversion rate, and delinquency metrics

Sales Executive at GrayQuest, Apr 2024 - Jul 2024 · 4 mos, Mumbai, Maharashtra, India, Sales Executive (Internship) GrayQuest | Apr 2024 – Jul 2024 | Mumbai Generated and qualified B2C leads for education financing products Generated ₹30L+ in education loan business during the 4-month internship period Managed outreach pipeline using CRM tools and Excel tracking sheets Developed early skills in consultative selling and objection handling

Customer Relationship Manager at RBL Bank, Mar 2023 - Aug 2023 · 6 mos, Mumbai, Maharashtra, India, Customer Relationship Manager RBL Bank | Mar 2023 – Aug 2023 | Mumbai Managed a portfolio of retail banking customers handled account servicing, product cross-sell, and complaint resolution Supported branch operations including KYC processing, account opening, and loan documentation Maintained a customer satisfaction rating of 4/5 across assigned portfolio Cross-sold 4–5 debit cards per month through consultative relationship-based approach Worked directly on customer retention and satisfaction targets in a high-footfall branch environment

Education

Pgdm, Marketing, Atharva School of Business

Bachelor of Arts - BA, Economics, Nagindas Khandwala College