Contact Details
- +91-9644282777
- ipsita.tambat@rediffmail.com
- Pune, Maharashtra, 400014, India
Basic Details
- Gender
- Female
- Blood Group
- B+
- Relationship
- Married
IPSITA TAMBAT
Profile
Strategically-minded MBA professional with over 9 years of dynamic experience in the Finance sector. Possessing a proven track record of driving impactful initiatives across Retail Assets, Sales, Credit, and Commercial operations, committed to delivering exceptional results and fostering sustainable business growth. With a keen eye for innovation and a passion for driving change, thrive in challenging environments, continuously seeking opportunities to leverage expertise and drive organizational success. A collaborative leader with a focus on achieving excellence, poised to make significant contributions to any forward-thinking organization.
KEY SKILLS
- Financial Analysis and Modeling
- Retail Asset Management
- Sales and Business Development
- Relationship Management
- Team Leadership and Motivation
- Strategic Planning and Execution
- Credit Analysis and Risk Management
- Financial Planning and Advisory
- Training and Development Initiatives
- Compliance Audits and Process Improvement
- Stakeholder Engagement and Communication
- Pricing Strategies Implementation
- Portfolio Performance Evaluation
Employment History
-
Area Manager , HDFC Bank
-
June, 2023 - March, 2024
-
- Led a team of 15 Relationship Managers, driving business and ensuring operational efficiency.
- Conducted financial analysis of properties, making strategic decisions to enhance profitability.
- Achieved monthly scorecard targets, provided training and support to team members.
- Conducted compliance audits, ensuring adherence to organizational guidelines and regulations.
- Presented monthly MIS reports to senior management, offering valuable insights for decision-making.
- Monitored credit quality of retail asset portfolio, developed risk mitigation strategies.
- Implemented risk management practices for regulatory compliance.
- Assessed retail asset performance, identified opportunities for improvement and growth.
- Developed and implemented customer retention strategies to enhance loyalty and satisfaction.
- Established key performance indicators for Relationship Managers to measure and improve performance.
- Collaborated with cross-functional teams to streamline processes and improve efficiency.
- Conducted market research to identify emerging trends and opportunities for product development.
- Initiated and managed customer outreach programs to increase brand awareness and market penetration.
-
Area Head , Shriram Life Insurance Key, West Zone
-
August, 2022 - June, 2023
-
- Supervised and guided a team of 10 Relationship Managers across diverse regions, overseeing sales and business development.
- Fostered enduring relationships with stakeholders to uphold service excellence and compliance with industry standards.
- Demonstrated consistent achievement of 100% business targets while maintaining a productivity rate of 70% monthly.
- Provided exemplary leadership in managing and directing Relationship Managers’ activities.
- Ensured strict adherence to quality norms and industry regulations in all operations.
- Developed and executed strategic initiatives to exceed sales objectives effectively.
- Conducted regular performance evaluations and provided supportive coaching.
- Cultivated collaborative partnerships with stakeholders to drive business growth initiatives.
- Implemented efficiency-enhancing strategies to optimize team productivity.
- Stayed abreast of market trends and adjusted strategies accordingly.
-
Area Business Manager , Hiranandani Financial Services Key
-
September, 2021 - July, 2022
-
- Oversaw business loan administration in Pune, ensuring smooth operations and adherence to checklists.
- Led a team of 5 Relationship Managers, guiding them in sales, credit analysis, and risk management.
- Maintained minimum Turnaround Time (TAT) and quality logins, enhancing operational efficiency.
- Implemented efficient processes, resulting in improved productivity and customer satisfaction.
- Disbursed 10 loans/month with INR 500K average ticket size, showcasing strong skills.
- Received “Fully Meets Expectations” rating, reflecting exceptional performance.
- Conducted performance reviews, providing feedback to enhance team skills.
- Collaborated with cross-functional teams to develop growth and risk mitigation strategies.
- Stayed updated on market trends, regulations, and competitor activities for informed decisions.
-
Senior Relationship Manager - Digital Business , ShriRam Life Insurance Company Limited, Pune
-
February, 2020 - September, 2021
-
- Achieved business growth through digital channels, demonstrating proficiency in digital business development.
- Formed strategic partnerships with management colleges for student internships, enhancing talent development and industry-academia collaboration.
- Elevated to Senior Relationship Manager within one year, acknowledging outstanding performance and leadership qualities.
- Established alliances with leading management institutes in Maharashtra through MOUs, bolstering the company’s market presence.
- Surpassed targets consistently in NOP (New Office Premium) and Annualized Premium Equivalent (APE), earning regular recognition on the Leaders Board.
- Pioneered as the first female RM and top RM PAN India to meet the annual target within 7 months.
-
Sales Manager , Gromor Finance, Pune
-
July, 2018 - January, 2020
-
- Ensured compliance with loan approval regulations, policies, and procedures, maintaining industry standards.
- Established trust with loan applicants through sincere and knowledgeable interactions, resulting in increased sales conversion and approval rates.
- Achieved outstanding sales performance consistently, contributing significantly to the organization’s overall success.
- Conducted thorough financial assessments of loan applicants to determine eligibility and risk levels.
- Provided personalized guidance and advice to applicants throughout the loan application process.
- Collaborated with underwriting teams to assess creditworthiness and mitigate risk factors.
- Resolved applicant inquiries and concerns promptly and effectively, ensuring a positive experience.
- Maintained accurate and up-to-date records of loan applications and approvals for audit purposes.
- Participated in training sessions to stay updated on industry regulations and lending best practices.
- Acted as a liaison between applicants and internal departments to streamline the loan approval process.
-
Branch Credit Manager , DBS Cholamandalam FinanceLtd., Pune
-
December, 2006 - October, 2008
-
- Managed personal loans, small-ticket mortgage loans, and life insurance, leading a team of 24 personnel.
- Implemented strategies to enhance branch operations, credit management, and collections, ensuring high levels of service and customer satisfaction.
- Promoted to Branch Credit Manager with Area Credit Manager level authority, reflecting exceptional performance and leadership capabilities.
- Established a tele-calling unit in the Pune branch, improving customer engagement and lead generation.
- Implemented an exclusive sales strategy approved by the National Sales Manager, resulting in increased sales and revenue.
-
Unit Sales Manager - Retail and Bank Assurance , Lombard General Insurance Company Ltd., Navi Mumbai
-
September, 2006 - December, 2006
-
- Continuously surpassed monthly targets by 20%-50%, illustrating exceptional sales proficiency.
- Selected as Location Trainer for the entire Navi – Mumbai SCG (Sales, Credit, and Growth) Channel at ICICI Bank.
- Implemented innovative sales strategies to expand market reach and drive product awareness.
- Collaborated with cross-functional teams to streamline processes and optimize business operations.
-
Personal Loan Officer , CitiFinancial Consumer Finance India Ltd., Pune
-
May, 2005 - June, 2006
-
- Engaged in soft-core marketing of TATA AIG Life Insurance products, driving increased sales and profitability.
- Consistently achieved 120% of sales targets, showcasing exceptional performance and dedication.
- Received a certificate for credit basics of personal loans, demonstrating proficiency and understanding in the field.
Education
-
Master degree in Business Administration (Finance & Marketing),
-
ICFAI Business School, Pune, 2005
-
Bachelor degree in Commerce (Account Honors), Ravenshaw College,
-
Utkal University, 2002
Languages
-
English
-
Hindi
-
Marathi
-
Odia
Skills
-
Microsoft Office - (Microsoft Word, Excel, PowerPoint, Outlook)
Licenses & Certifications
-
IRDAI
-
-
Credit Training
-
CitiFinancial
-
Strategic Management
-
IIM, Kashipur