Vikas Sharma
Bhopal and Indore
Summary
Goal-oriented sales professional with 7+ years of experience in Sales, Business Development, and Team Management in the Mortgage industry. Proven track record in driving revenue growth, leading high-performing teams, and expanding market presence. Skilled in client relationship management and process optimization, with a strong focus on digital transformation and automation.
Overview
12
12
years of professional experience
Work History
Senior Area Sales Manager- Home Loan & LAP
Bajaj Housing Finance Limited
Bhopal and Indore
02.2023 - Current
- Spearheaded business launch and expansion across Madhya Pradesh, scaling from 1 to 5 major cities (Indore, Bhopal, Gwalior, Jabalpur, Ujjain).
- Built and managed a high-performing team of 15; established a ₹140 Cr portfolio within 2 years.
- Consistently maintained portfolio delinquency below 3%, ensuring strong asset quality and risk control.
- Increased monthly disbursals from ₹0 to ₹10 Cr by optimizing sales strategies and approval processes.
- Improved approval rate to 75%, enhancing credit efficiency and portfolio health.
- Collaborated with Risk and COE teams to align credit policies and customer acquisition strategies with market dynamics.
- Established new channel partnerships and diversified sourcing to boost lead generation and market penetration.
Senior Manager- Home Loan (Mortgage)
Kotak Mahindra Bank
New Delhi
02.2021 - 01.2023
- Managed business development across 12 branches in the Delhi-NCR region, focusing on Home Loan acquisition and cross-selling of add-on financial products.
- Built and nurtured strong relationships with the Retail Liabilities team to drive Asset Under Management growth.
- Led, mentored, and monitored a team of 8 sales managers and executives, ensuring high performance and achievement of business targets.
- Surpassed annual targets by generating ₹135 Cr in home loan disbursements in FY 2021-22, delivering 140% of the Annual Operating Plan.
- Engaged with customers throughout the loan lifecycle to enhance onboarding experience & provide efficient post-sales service.
- Worked with the credit team to assess customer financials using P&L, balance sheets, and key ratios.
- Coordinated with legal and technical departments to streamline case processing and ensure timely disbursal.
- Conducted internal audits to identify potential risks and implemented corrective actions to ensure compliance and operational efficiency.
- Ensured adherence to regulatory guidelines, including RBI and RERA norms, to maintain seamless banking operations and data integrity.
Area Sales Manager- LAP (SENP & SEP)
Bajaj Housing Finance Limited
Bangalore
12.2019 - 01.2021
- Leading a team of 10 sales managers and executives to drive business growth across Bangalore.
- Overseeing recruitment, training, and performance development to enhance revenue penetration.
- Assessing creditworthiness through financial analysis and property evaluation to determine loan eligibility.
- Supporting businesses in meeting short- and long-term asset financing needs.
- Collaborated with the Risk team to implement a strategic collection model during the COVID-19 financial crisis by converting term loans to overdraft facilities, significantly reducing delinquency rates.
Sales Manager- Home Loan
Bajaj Housing Finance Limited
New Delhi
04.2018 - 11.2019
- Managed a team of 5 sales executives across Delhi NCR, driving sales of Home Loans, LAP, and Liability products.
- Developed channel partnerships and sourced leads through referrals to meet business targets.
- Collaborated with the credit team to assess applicants' financial and credit profiles.
- Ensured compliance with risk policies, evaluating deviations based on risk mitigates.
- Reviewed legal documentation and property-related compliance to support loan approvals.
Management Trainee
HDFC Bank
Pune
04.2017 - 06.2017
- Spearheaded digital sales initiatives for the bank's asset-generating products, enhancing platform efficiency and customer outreach.
- Managed client portfolios and delivered end-to-end servicing for existing customers, ensuring satisfaction and long-term retention.
- Effectively cross-sold banking solutions including CASA, business loans, and personal loans tailored to client needs.
- Fostered strong customer relationships by addressing queries, resolving grievances, and proactively fulfilling service requirements.
- Generated qualified leads through targeted cold calling and acquired high-value clients, driving growth in the bank's retail portfolio.
- Executed promotional activities to enhance the bank's market visibility, resulting in increased customer engagement and sales growth.
Production & Sales Manager
Swastik Bagra Tiles & Bricks
Narmadapuram
08.2013 - 12.2015
- Led a team of 30+ employees in managing production and sales of bricks and tiles.
- Directed annual and quarterly production, marketing, and capital budgeting plans.
- Contributed to the PMAY initiative by supplying essential raw materials.
- Executed promotional campaigns across rural and urban markets to boost sales.
- Oversaw logistics and supply chain operations to ensure efficient product distribution.
Education
PGDM - Finance & Marketing
Fergusson DES's IMDR
Pune03-2018
Bachelor of Commerce -
Bhopal University
06-2013
Skills
- Business Development
- Relationship Management
- Team Building
- Prospecting
- Channel Management
- Product Development
- Client Engagement
- Compliance & Audit
- Cross Functional Coordination
Accomplishments
- Honored with GEM, STRIKER, and HOM awards at Bajaj Housing Finance Ltd. (FY 18-20) for exceeding AOP targets, driving portfolio profitability, and maximizing cross-sell incentives.
- Achieved over 150% of AOP targets in FY 2018-19 and 2019-20, resulting in a promotion to Area Sales Manager in Bangalorein Bajaj Housing Finance.
- Achieved Top Gun recognition at Kotak Mahindra Bank for highest home loan disbursement across India for FY 2021-22.
- Winner of Insurance Contest (FY 21-22) at Kotak Mahindra Bank; qualified for an international reward trip.
- Ranked #1 in Approval and Disbursement Contest for Tier 2 and 3 markets in Q4, FY 24-25 in Bajaj Housing Finance Ltd.
Languages
English
Beginner
A1
Hindi
Beginner
A1
Timeline
Senior Area Sales Manager- Home Loan & LAP
Bajaj Housing Finance Limited
02.2023 - Current
Senior Manager- Home Loan (Mortgage)
Kotak Mahindra Bank
02.2021 - 01.2023
Area Sales Manager- LAP (SENP & SEP)
Bajaj Housing Finance Limited
12.2019 - 01.2021
Sales Manager- Home Loan
Bajaj Housing Finance Limited
04.2018 - 11.2019
Management Trainee
HDFC Bank
04.2017 - 06.2017
Production & Sales Manager
Swastik Bagra Tiles & Bricks
08.2013 - 12.2015
PGDM - Finance & Marketing
Fergusson DES's IMDR
Bachelor of Commerce -
Bhopal University