Aman Sharma

Handling the Operations function for Chola encompassing seven businesses, viz Vehicle Finance, Loan Against Property, Home Loan, Consumer & Small Enterprises Loan, Consumer Durable Loan, Small & Medium Enterprises Loan and Secured Business & Personal Loan. This involves heading a team of 1100 people at the Central Processing Unit (CPU) at Chennai for loan related activities of disbursement, banking & reconciliation, receipting & closure and vaulting in a large and systemically important Non-Banking Finance Company (NBFC) environment. At present, CPU processes loans of value Rs 8k to 10k Cr a month and services a book size of over Rs 2 lac cr with a live loan book of over 51 lac customers. The role also includes spearheading the Customer Relationship Management (CRM) function for Chola, managing the call centre and handling complaints received through the RBI portal, social media and other modes. Outcome of complaint management is then presented to the Board at the quarterly Grievance Redressal Committee chaired by an Independent Director. In addition, responsibilities include handling the RBI data submission and audit pertaining to Operations, representing Operations at the Audit Committee of the Board as well as anchoring the periodic ISO 9001 certification at CPU. The role gives a unique nuts-and-bolts view of loan processing which has enabled me to initiate transformative changes with a project based approach.

Heading the vehicle finance business of Chola. The business involves lending on commercial vehicles, construction equipments, passenger vehicles, tractors, three wheelers, two wheelers and used vehicles.

P&L responsibility of Commercial Vehicle Loans (New and Used CV & CE). Heading a team of over 3500 members.

Headed product development for commercial vehicle segment with overall responsibilities to manage product profitability, critical manufacturer relationships and enhance & improvise existing products to yield more profits and market share. Managed key accounts of 10 vehicle manufacturers. Chola today has cutting edge manufacturer relationships; probably the best in the industry. Role involved monitoring industry trends, aligning company’s strategy for maximizing market share and profitability, creating policies & products closer to market reality, driving profitability, designing models for pricing risks of vehicle loans appropriately and spearheading several projects to strategically position the company in the commercial vehicles segment.

In my previous roles, I was responsible for the following Business Development Formulated and effectuated market entry strategies relevant for enhancing business growth & conducted competitor analysis by keeping abreast of market trends and competitor moves. Identified opportunities in the market and utilized company strengths to establish business presence Sales & Marketing Conceptualized & implemented strategies as a part of brand building and market development & monitored overall sales growth . Devised & implemented competitive selling programs/strategies to improve product awareness Profit Centre Operations Managed profit centre by focusing on both top line and bottom line growth and ensured sustainability of business . Identified and developed new markets/businesses/streams for long term revenue growth and maintained relationships with customers to achieve repeated business Channel Management Identified and networked with reliable business associates, resulting in deeper market penetration by exploring nascent markets and developing them to enhance business prospects. Formulated strategies & activities to achieve desired business objectives & implement recognition campaigns for enhancing motivation . Ensured cost effective business sourcing across sales outlets/ channels; also evaluated performance by monitoring manufacturer/dealer sales and marketing activities Market Intelligence Identified manufacturers/dealers/channels by comparative study of sales figures & conducted extensive market research to analyse and assess market potential Key Accounts Management Developed relationships with key decision makers in target organizations for business development & Identified prospective clients, generated business from the existing customers Team Management Led, trained & monitored the performance of team members to ensure efficiency in sales operations & organized training programs for new recruits

Kirorimal College, Kirorimal College Hostel