Headline

Fin Tech I Payment Technology I IIM Luknow I Mortgages I Govt, Institutional , Enterprise Sales I B2B I Merchant Acquisition I Channel Management I Leader I Solution Provider I Dreamer I Learner

About

I am a seasoned Senior Sales Professional with an illustrious 20-year career marked by extensive expertise in various domains, including Sales & Distribution , Enterprise Sales, Merchant Acquisitions, Government and Institutional Business Verticals, CASA, TPP, Cross-Sell, and Payment Technology. My track record reflects a commitment to propelling growth, generating revenues, and capturing substantial market share. Recognized for navigating intricate challenges and making high-stakes decisions within fast-paced, high-pressure environments, I bring a visionary perspective and entrepreneurial drive to my roles. In my current capacity as a Senior Key Account Manager at PayU Payments Pvt. Ltd, I oversee portfolios in the Government, Institutional, and Enterprise sectors. My responsibilities encompass managing banking alliances, contributing to business metrics, and ensuring the success of the core online PG business backed by cross-sell initiatives focusing on revenue. Prior to my tenure at PayU, I served as the Head of Sales & Marketing at eazybankloans, where I played a pivotal role in launching branch operations, formulating marketing strategies, and establishing relationships with sales forces in various banks and NBFCs. My leadership was instrumental in pioneering scaling-up activities from scratch and identifying, aligning, and assisting clients in securing appropriate credit facilities. With experience in renowned organizations such as Axis Bank Ltd., Dewan Housing Finance Corporation Ltd, Dhanlaxmi Bank Ltd. , HSBC, HDFC Bank , ICICI Bank & HDFC Ltd.I have consistently demonstrated strong orientations in Sales & Business developments, effective team management, and the ability to learn from setbacks. Beyond my professional pursuits, I have completed my MBA in FinTech from Dr. DY Patil Vidyapeeth, Pune,in 2025 and have also attained Advance Program in Leadership in the Digital Era from IIM Lucknow in Feb 2024. On a personal note, I am a FinTech enthusiast, a reader, creator, and writer. Fluent in English, Hindi, Malayalam, and Tamil, I bring a rich cultural and linguistic background to my professional endeavors. My deep understanding of the banking and financial services industry, coupled with my strategic mindset and leadership acumen, positions me as a valuable asset in the dynamic landscape of sales and business development. Let’s Connect .

Location

Bengaluru

AI stack

gemini

meta

perplexity

ChatGPT

Gamma

Otter.ai

Work experience

Sr Manager Sales / P5 Sr Key Accounts Mgr at PayU, Jul 2022 - Present · 4 yrs 4 mos, Bengaluru, Karnataka, India, Key Account Management, Hunting New Relationship, Cross Sell ,

Head Of Sales Marketing at eazybankloans, Apr 2016 - Jul 2022 · 6 yrs 4 mos, Kochi, Pioneered, the scaling up activity from the scratch; Launched the first Branch operations in Thrissur Location during April 2016 , Recruiting the Sales Team, Formulating the Marketing Strategies , Outbound Tele Callers , Runner boys , Channel management & establishing relationship with Sales Forces in various banks & Nbfc’s . And was successful in launching the second branch office in Kochi Location during Sep 2019. Identifying , Aligning , Assisting & facilitating the most accurate credit facility that would fit into the profile of an individual or a professional or an existing business owner in the State of Kerala . Assisting clients from Kerala in identifying a financier, complying with the application process , assisting on documentation procedures , providing easy access to Credit History of the Clients vide Credit Bureau Reports, Arriving at the financial eligibility of a client through our in house Credit Appraisal Team, matching the perfect financial partner depending on the profile , financial strength , quality of asset offered as security. Driving the connector model in Kerala through Loan Agents , Tax Practitioners & Chartered Accountants who would connect us with the clienteles who are in search for a Credit Facility. Responsible for month on month Sales funnel , marketing , training , recruitment , revenue generation , compliance , administration , costing etc. Concentrated primarily on high yielding products offered by various Financial Institutions like Secured Business Loans- Term Loans Against Properties , Secured Working Capital Requirements _ Business OD/CC ( Based on Sales / Assets & Stock ) , Unsecured Business Loans , Housing Loans for Resident Indians & NRI’s , Debt Syndication & Balance Transfers with Top Up’s. MSME Funding .

Mortgage Sales Manager at Axis Bank, Oct 2014 - Mar 2016 · 1 yr 6 mos, India, Heading the LAP Vertical of Axis Bank Ltd.’s ASC (Asset Sales Center) located at Thrissur, Kerala . Responsible for Generating LAP Leads from the Axis Bank Branch Banking Channels ( Branch Sales Manager , Relationship Managers , Asset Relationship Managers , Direct Sales Team , Non Resident RM’s, Wealth Managers, Operations Manager, Branch Managers & other resources of the Branch ) . Managed to source LAP Business from 14 branch locations of Axis Bank in the districts of Thrissur & Palakkad in Kerala. Effectively managed the DSA distribution channel & generated LAP business from Thrissur, Palakkad Districts in congruence with the policy & products of Axis Bank Ltd. Owing & Assigning Sales Targets , Monitoring , Motivating , Managing the Direct Sale Executives for sourcing the LAP Business in 14 branch Locations of Axis Bank. Responsible for the Open Market Sourcing Team for Axis Bank Ltd. In Thrissur & Palakkad. Acted as a Catalyst for coordinating the Loan Processing with various internal Departments of the Bank . This involves stake holders like CPA , Credit Manager , RCU , Operations Manager , Branch Heads etc. Successful in Activating & Consistently driving the Cross Sell Targets assigned by the Branch Banking Verticals as a bundled up product while negotiating the T&C with the LAP Team & Customers . Successfully complied with the 100 % penetration in both Property & Credit shield Insurance Cross Sell .

Manager of Sales at Axis Bank, Oct 2014 - Mar 2016 · 1 yr 6 mos, Headed the LAP Vertical at Axis Bank Ltd.'s ASC (Asset Sales Center) located in Thrissur, Kerala.

Branch Manager at DHFL, Aug 2013 - Oct 2014 · 1 yr 3 mos, Kerala,  Build and maintain relationships with corporate arrangements, developers, real estate agents, established societies, referral & Channel Partners resources to drive business by constant interactions to explore current and future business opportunity for various products of DHFL (Home loans, Mortgages, Fixed deposits, TCPM, Insurance, Embedded products etc.)  Communicate the sales target to be achieved by individual team member (ASM /SCI) based on market conditions and their capability and monitor their performance for achieving the targeted growth.  Maintaining the targeted revenue generation through weighted Yield, Processing fees, TCPM, cross sell and Fixed Deposits.  Anticipate impact of political, social & business environment on sales and take actions to mitigate adverse impact by highlighting to higher management.  To identify the need and suggest advertising and brand building activity for location specific needs to the marketing team.  Spear Heading the DSA & DST Channel for the Branch with an operating geography in Ernakulam District with branch location at Pallarivattom, Tripunithura, Alleppy & Aluva.  Coordinate and interact with internal teams to drive the processing of loan/products adhering to DHFL policy and procedures for issues escalated by SCI/ASM / SO/DSM.  Interact with customers to develop an understanding of their needs and collaborate with internal teams to meet their expectation adhering the DHFL norms/ policies, also recommend modification in norms to meet deviations, in specific cases for issues escalated by ASM / SO/DSM.  Interact with HNI (as defined by location category customers) customers to assess their profile in order to eliminate cases of ‘non-starter’.  Identifying appropriate channel partner and administering them effectively in order to ensure compliance with company norms.

Branch Sales Manager at Dewan Housing Finance Corporation Ltd., Aug 2013 - Oct 2014 · 1 yr 3 mos, Built and maintained relationships with corporate partners, developers, real estate agents, established societies, referral agents, connectors, and channel partners to drive business by fostering ongoing interactions and exploring current and future business opportunities for various DHFL products.

Education

Master of Business Administration - MBA, Fin Tech, DY Patil University

Advanced Program in Leadership in the Digital Era, Essentials for Leaders in Digital Era, Indian Institute of Management, Lucknow