---
title: "Koushal Vichare - Territory Manager in Mumbai Metropolitan Region | Tal"
description: "Meet Koushal Vichare, Territory Manager | Retail Finance & Collections | NBFC & Banking | Operations | Credit Underwriting | MBA Marketing based in Mumbai Metropolitan Region."
image: "https://tal.club/meet/koushal-vichare/share-image"
---

# Koushal Vichare on Tal

## 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

[View the original profile](https://tal.club/meet/koushal-vichare)

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "Person",
      "@id": "https://tal.club/meet/koushal-vichare#person",
      "name": "Koushal Vichare",
      "url": "https://tal.club/meet/koushal-vichare",
      "image": "https://tal.club/meet/koushal-vichare/profile-photo.jpg",
      "description": "Meet Koushal Vichare, Territory Manager | Retail Finance & Collections | NBFC & Banking | Operations | Credit Underwriting | MBA Marketing based in Mumbai Metropolitan Region.",
      "jobTitle": "Territory Manager",
      "worksFor": {
        "@type": "Organization",
        "name": "Hero Fincorp"
      },
      "hasOccupation": {
        "@type": "Occupation",
        "name": "Territory Manager"
      },
      "homeLocation": {
        "@type": "Place",
        "name": "Mumbai Metropolitan Region"
      },
      "alumniOf": [
        {
          "@type": "EducationalOrganization",
          "name": "Atharva School of Business"
        },
        {
          "@type": "EducationalOrganization",
          "name": "Nagindas Khandwala College"
        }
      ],
      "mainEntityOfPage": {
        "@id": "https://tal.club/meet/koushal-vichare#webpage"
      }
    },
    {
      "@type": "ProfilePage",
      "@id": "https://tal.club/meet/koushal-vichare#webpage",
      "url": "https://tal.club/meet/koushal-vichare",
      "name": "Koushal Vichare on Tal",
      "description": "Meet Koushal Vichare, Territory Manager | Retail Finance & Collections | NBFC & Banking | Operations | Credit Underwriting | MBA Marketing based in Mumbai Metropolitan Region.",
      "dateModified": "2026-06-10T13:56:09.608Z",
      "isPartOf": {
        "@id": "https://tal.club/#website"
      },
      "mainEntity": {
        "@id": "https://tal.club/meet/koushal-vichare#person"
      },
      "primaryImageOfPage": {
        "@type": "ImageObject",
        "url": "https://tal.club/meet/koushal-vichare/profile-photo.jpg",
        "contentUrl": "https://tal.club/meet/koushal-vichare/profile-photo.jpg",
        "caption": "Koushal Vichare profile photo on Tal"
      },
      "inLanguage": "en-IN"
    }
  ]
}
```