PRAVEEN KUMAR BHATT

+91-9950996298
pravebhatt@gmail.com
Jaipur, Rajasthan, , India

Profile

Dynamic and results-driven professional with extensive expertise in Finance Sales, Collections, Credit Management, Business Development, Client Relationship Management, and Team Leadership. Proven track record in driving revenue growth, streamlining credit operations, and enhancing customer satisfaction. Adept at building and leading high-performing teams, fostering strategic client relationships, and implementing innovative solutions to achieve business objectives. Known for analytical acumen, problem-solving abilities, and a relentless focus on operational excellence and profitability. Committed to delivering exceptional business outcomes in fast-paced and competitive environments.

KEY SKILLS

Commercial Vehicle Finance
Team Leadership & Development
Risk Assessment & Mitigation
Dealer Channel Management
Strategic Partnership Development
Business Development & Growth
Financial Analysis & Planning

Inventory Management
Digital Transformation
Sales & Marketing Initiatives
Performance Analytics
Customer Relationship Management
Credit Risk Management
Portfolio Diversification

Employment History

Senior Manager , Tata Motors Ltd., Rajasthan
February, 2020 - Present
- Managing pre-owned commercial vehicle business for 23 dealerships in Rajasthan, driving exchange penetration and revenue growth.
- Implemented processes to enhance sourcing quality, inventory management, and profitability for channel partners.
- Designed and implemented regional strategies to increase exchange penetration and profitability across 23 dealerships.
- Optimized dealership operations by introducing process improvements for inventory quality and management, resulting in a 15% increase in profitability.
- Collaborated with cross-functional teams to integrate digital tools for pre-owned vehicle assessments, improving turnaround time by 20%.
- Developed and executed sales and marketing initiatives, achieving consistent revenue growth in a competitive market.
- Built and maintained strong relationships with dealership stakeholders to ensure alignment with corporate goals.
- Introduced advanced analytics tools for dealership performance tracking, enabling data-driven decision-making and boosting revenue growth.
- Devised innovative sales training programs for dealership staff, enhancing customer service and increasing repeat business.
- Collaborated with regional and national teams to align pre-owned vehicle business goals with corporate objectives.
- Spearheaded digital marketing initiatives for pre-owned vehicles, driving a 20% increase in online inquiries.

Area Business Manager , Cholamandalam Investment & Finance Co. Ltd.
December, 2018 - February, 2020
- Successfully managed business growth across multiple verticals, including HCV, LCV, and CE, with a team of 14 on-roll employees and 75 off-roll executives.
- Spearheaded risk mitigation strategies, reducing early delinquency rates by 25% through proactive collections and customer engagement.
- Developed data-driven strategies to optimize loan portfolio performance, achieving a 20% increase in loan disbursements.
- Streamlined repossession and liquidation processes, minimizing losses on repossessed assets.
- Fostered team productivity through leadership coaching and performance-driven KPIs, enhancing operational excellence.
- Conceptualized and executed territory-specific campaigns to drive awareness and increase penetration in untapped markets.
- Leveraged CRM tools to monitor sales pipelines, ensuring alignment with monthly and quarterly targets.
- Strengthened cross-functional collaboration with credit and collections teams to minimize bad debts and improve loan recovery rates.

Territory Sales Manager , ORIX Leasing & Financial Services India Ltd.
March, 2015 - December, 2018
- Led Udaipur Hub retail and strategic business across verticals (New/Used HCV, LCV & SCV) and promoted to State Manager for CV and Auto Lease.
- Expanded market share by implementing targeted sales strategies, driving a 30% increase in lease penetration across the territory.
- Led state-wide initiatives for new vehicle leasing programs, contributing to consistent revenue growth in key verticals.
- Enhanced customer acquisition by designing tailored leasing solutions aligned with market demands and client needs.
- Streamlined operational processes by integrating advanced analytics into portfolio management, ensuring data-driven decision-making.
- Successfully launched new financial products for CV and SCV segments, increasing product portfolio diversity.
- Engaged in high-level negotiations with strategic clients, securing long-term leasing agreements.
- Conducted market segmentation and competitor analysis to refine business strategies and maintain market leadership.
- Established partnerships with OEMs to promote co-branded leasing solutions, enhancing customer value propositions.

Branch Sales Manager , Cholamandalam Investment & Finance Co. Ltd.
October, 2013 - February, 2015
- Managed new and used CV business for 6 branches, leading a 12-member team while strengthening customer and dealer relationships.
- Established a high-performing branch structure, driving growth in new and used commercial vehicle financing across six branches.
- Implemented advanced credit screening protocols, reducing credit risks and enhancing portfolio quality.
- Oversaw the strategic expansion of dealer networks, ensuring coverage in high-potential regions.
- Conducted comprehensive market assessments to identify opportunities and address competitive challenges effectively.

Deputy Manager , Kotak Mahindra Bank Ltd.
April, 2011 - October, 2013
- Oversaw used CV business in Udaipur, ensuring credit quality and managing early bucket collections to prevent portfolio deterioration.
- Disposed of repossessed vehicles efficiently and maintained dealer and market sourcing relationships.
- Led the expansion of the used commercial vehicle financing business, achieving a 25% increase in market share.
- Developed risk mitigation frameworks to manage early bucket collections, reducing portfolio delinquency rates.
- Streamlined credit appraisal processes to enhance operational efficiency and reduce approval turnaround time.
- Strengthened dealer and DSA relationships to boost sourcing quality and customer acquisition.

Branch Sales Manager , India Bulls Financial Services Ltd.
April, 2007 - April, 2011
- Headed Chittorgarh and Udaipur branches, handling strategic CV, farm, and retail business with a team of 8 sales and collection executives.
- Directed branch-level strategic initiatives, achieving consistent growth in CV and farm equipment financing.
- Managed complex client portfolios, delivering tailored solutions to meet strategic financing needs.
- Enhanced operational efficiency by implementing robust tracking and reporting mechanisms.
- Achieved exceptional revenue growth by identifying and capitalizing on emerging market opportunities.

Assistant Branch Manager , Shri Ram Transport Finance Co. Ltd.
December, 2002 - December, 2006
- Played a key role in building and expanding the commercial vehicle business in a competitive market.
- Drove branch performance through meticulous planning, achieving sustained growth in loan disbursements.
- Strengthened market presence by developing strong relationships with local dealers and DSAs.
- Improved operational efficiency by implementing process standardization and data-driven decision-making.

Marketing Executive , Bajaj Auto Finance Ltd.
October, 2001 - November, 2002
- Launched innovative marketing campaigns to boost the adoption of two-wheeler financing products.
- Conducted market research to refine consumer targeting strategies, improving penetration in key demographics.
- Partnered with dealerships to increase visibility and accessibility of financing options.

Education

Master degree in Business Administration (Marketing Management)
Institute of Management Studies, Udaipur, 2001

Bachelor degree in Science (Biology)
MLSU, Udaipur, 1997

Languages

Skills

Interest and Hobbies

Listening Music

Basic Details

Gender
Male
Date of Birth
1976-08-14
Relationship
Married