Contact
Avdhesh Tripathi
www.linkedin.com/in/avdhesh- Chief Business Officer
tripathi-30004295 (LinkedIn) Gurugram, Haryana, India
Top Skills Summary
Team Management
A passionate professional with over 20+yrs experience in Banking
Retail Banking
and Fintech Sector in setting up Retail Branch Banking and Lending
Financial Services
businesses across various products ranging from Digital Lending,
Languages Co-Lending, Debt Capital Market, FLDG Partnership, Personal Loan,
Business Loan, Retail Banking– CASA, FD, Investments, LAP, Home
Hindi
Loan, Business Banking (Overdraft & CC), LAS, Investment product
English
and Cross Sell.
Gujarati
A long track of successful completion of challenging assignments
with turnaround objectives.
multi-functional experience – Product, Sales, Credit, Operations &
Collection Management with a Pan India exposure on managing
Key Accounts Relationships with Strategic Customer and Channel
Partners.
Successfully handled challenging assignments with turnaround
objectives. Conceptualize and orchestrate marketing campaigns that
effectively reinforce and build brand images.
Having experience to start the New NBFC from scratch level.
My interest in BFSI/Digital Lending/Fintech/Co-Lending/FLDG
Partnership/NBFC/Micro Finance/Retail Banking/Private Equity/
Venture Capital/ Investment Banking /Corporate Finance
Experience
MoneyWide
Chief Business Officer
April 2022 - January 2024 (1 year 10 months)
Gurgaon, Haryana, India
I do Manage as a Chief Business Officer for whole Business growth & Sales
Pan India. Managing Strategic alliance partnership with Lenders, Debt Capital
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Market, Channel Partnership, Aggregator Platforms, B2C & B2B Lending
Alliances, Merchant Acquisition, LSP's, Product customization, Business
Strategy, Corporate and Retail DSA, Process.
Managing the business of on book, Off book and Co-Lending through FLDG
model and Co-Lending partnership.
I take care Lending partnerships, Debt Capital Market, Onboarding
partnerships and Loan portfolio with mix of policy and revenue.
Having Good relationship with Lenders in Mostly AAA rated NBFC for Co-
Lending and FLDG model and Debt Capital Markets.
Our focus is on salaried loans and embedded finance with healthcare
products/ Education partnership and Insurance for health care premium
financing.
MoneyWide, a subsidiary of PB Fintech (Policybazaar Group), is a leading
Fintech lending platform cum RBI licensed NBFC offering 100% digital and
instant personal finance, embedded finance solutions to millennials and
underserved segments of the credit pyramid in India. Deploying cutting
edge technology solutions in underwriting, customer onboardng, fraud
prevention and customer servicing to deliver instant and convenient credit
using technology first approach. Lending partnerships with leading AAA rated
large NBFC's that co-lend with MoneyWide trusting our digital customer
acquisition and underwriting capabilities.
PinCap
Chief Business Officer
September 2020 - March 2022 (1 year 7 months)
Gurugram, Haryana, India
Managing pan India business through Fintech/NBFC company Partnership
with FLDG model and Co-Lending partnership, Digital Lending, Channel
Partner, strategic alliance, Business Strategy, and other corporate DSA.
Products in Unsecured – Salaried loans, Education Loans, Business Loans
for small retailers, Supply chain finance in small Business, Credit Card OD
Facility, Revolving Digital Credit Line, Agri Product loan to farmers and Agri
vendors.
Product In Secured – Small Tickets LAP, Consumer Durables, Solar Loan.
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Handling RBI related coordination
Formulate the NBFC's future direction and supporting tactical initiatives.
Monitor and direct the implementation of strategic business plans.
Reduce operations cost and focus on increased profitability.
Provide advice on market segments, prepare risk and review policies, ensure
compliance and other necessary planning aspects of NBFC.
Our products:
Fintech Partnership
Small ticket size personal loans for individuals
Personal loans for salaried professionals
Business loans for SME/MSME’s
Supply Chain Financing
Pinnacle Capital Solutions Pvt Ltd known as PinCap. Company has been
continuously focusing on adding new product lines & features. We have done
multiple partnerships with growing FinTech’s & new age companies, having
different range of products to cater the financial needs of borrowers across the
country.
Company Profile: -
PinCap is the trade name of RBI registered Non-Banking Financial Company
(NBFC), Pinnacle Capital Solutions Private Limited. We understand business
needs and work closely with entrepreneurs to create custom solutions suited to
their businesses.
With innovations in the business model, technology, credit screening and
scoring and better pricing, PinCap offers businesses an opportunity to set
higher business objectives by financing the working capital gaps and providing
flexible repayment options.
Join us at www.pincap.in to explore our services.
Aasaan Credits
Chief Executive Officer
April 2018 - July 2020 (2 years 4 months)
New Delhi Area, India
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Aasaan Credits is a leading Digital Lending FinTech NBFC with a mission of
becoming the most Trusted & Preferred lending company in India. It offers
wide range of finance services to Salaried/Self-employed and MSME sector to
achieve their Growth with flexible funding options.
Aasaan Credits provides small and micro finance to the lower- and middle-
income groups. We target the missing lower middle segment, which is not
effectively served by existing formal financial system. Our objective is to make
finance available at a reasonable cost in a most transparent manner. The
overall market potential for financing micro-enterprises is largely untapped.
The micro-enterprises such as dairy, agriculture, passenger auto loans, power
loom, handloom, home based industries, handicrafts etc. continues to be
drivers of growth. We are focusing on the people who are close to the bottom
of the pyramid, with smaller ticket sizes. As the requirements of financing for
different livelihoods and customer segments vary, there is a need for more
customized approach to product offerings so that customer needs can be
better fulfilled. We have designed our loan products on the basis of four key
dimensions – loan size, repayment frequency, tenor and Market Capability.
BMW Fin-Invest Pvt. Ltd
Director Of Business Development
May 2015 - April 2018 (3 years)
Surat Area, India
BMW Fin-Invest Private Limited, in year 2014, is a Non-Banking Finance
Company, registered with Reserve Bank of India Under Section 45-IA act 1934
with Certificate no. B-05.05626, under the provisions of the Companies Act,
1956.
• Formulate the NBFC's future direction and supporting tactical initiatives.
• Monitor and direct the implementation of strategic business plans.
• Reduce operations cost and focus on increased profitability.
• Provide advice on market segments, prepare risk and review policies, ensure
compliance and other necessary planning aspects of NBFC.
• Lead and motivate subordinates to advance employee engagement to
develop a high performing managerial team.
• Promote a high performance culture by setting clear expectations.
• Enforce adherence to legal guidelines and in-house policies to maintain the
company's legality and business ethics.
• Build trust relations with key partners and stakeholders and act as a point of
contact for important stakeholders.
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• Human resources and organizational development: This includes
• Recruit NBFC personnel/officials.
• Motivate and develop employees.
• Define and document primary responsibilities for employee.
• Establish HR policy.
• Operational duties:
• To achieve targeted profitability and fee income
• To achieve periodic sales targets of assigned portfolios
• To undertake new client acquisition, retention and growth plan for larger
customers and location base
• To identify potential clients (Corporates, Institutions, HNIs, MFs through
referral networks)
• To stay abreast of the client requirements and monitor close relationship
• To ensure effective and proper client servicing, resolving queries and
complaints
• To ensure policy adherence and documentation
• To be aware of all critical policies, procedures and ensure compliances
• To formulate periodic MIS
• To formulate risk and review policy to zero down NPAs
HDFC Bank Ltd
10 years 1 month
Head of Branch
January 2009 - April 2015 (6 years 4 months)
Surat Area, India
Handling Team of 10 Onroll staff and 5 Coex where profile like RM,ABM,
PRM, PB, Coex For Sales and other PBA,TA, Teller, WD for operations. Also
Cross Reporting for CASA Team Sales for business of Account product.
> Responsible for managing the Branch Profitability, ensuring high quality
service and Customer Relationship Management. Managing all branch-
banking objectives and overall branch supervision.
> Managing achievement of overall Branch Targets of CASA, FD Business and
cross sales of third party products like Mutual Fund, Insurance, Gold bar and
RetailAssets Product Like PL, BL, Business Banking Working capital, EEG,
Agri Lending,Morgatge, Home Loan, TW, Gold Loan, Education Loan, Loan
against Security, Auto Loan etc.
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> Managing Key Customer Relationship Management & supervision of all High
Net Worth customer programs on daily basis.
> Managing all components of the branch sales model function as per design
by Management
> Review Branch Operations reports on daily basis to track the daily asset
base of branch and to grow next level.
> Managing Branch Merchandising & co-ordination with Marketing at product
level for Market awareness & sales promotions through Lobby Mangement,
Hordings,event management, direct customer meetings and other activities
> Review vault register of daily Activity of Branch
> Review Suspense & Dummy accounts daily basis.
> Managing compliance with Banking rules, Regulations & Procedures on daily
basis
> Managing Periodic review of progress vs. objectives for productivity of the
staff.
> Managing of Business objectives among staff to deliver training on right time
to sale all the product of Banking to achieved good no. for Branch profitability.
Area Sales Manager
April 2005 - January 2009 (3 years 10 months)
Surat & Baroda (Central & South Gujarat Area)
DSA) and Direct Sales team (DST) For allocation of Resources as a Area
Sales Head Overall accountability for disbursement of Business Loan in Surat
& Baroda Area.
Managing 20 Branches of Surat and Baroda Location12 branches of Surat
and 8 Branches of Baroda for Business Loan Product. Doing business through
direct Intraction with Branch Head/PB/RM and Cluster Head.
Direct interaction with the Regional sales Head for (West-2 ) & The Regional
credit Manager for (West-2) Managing Area Surat & Baroda with 7 Location
Sales Managers, Direct sales associate & Area Credit Manager - Gujarat for
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Managing Productivity, Pricing, Efficiency, recruitment, training, and Office
Management for the team.
Managing Cross Sell Business Like CASA Account, FD, Prefered Account,
Jeevan Suraksha Insurrance with Loan saver from Bajaj Alliance General
Insurrance Co Ltd.
Setting of targets, development of sales strategy & action plan in line with
market Share & volume objectives of organization for the region.
Market awareness & sales promotions through event management,
sponsorships via Market blitz, direct mailers customer meetings & lead
generation activities.
Competition Analysis- keeping a track of volumes achieved by competitors &
their Pricing strategies and out approach to counter them.
Review of quality of sourcing and analyzing the sectors and business profiles
where Greater business opportunities are available
ICICI Bank
Team Leader
July 2003 - April 2005 (1 year 10 months)
Managing work force 45 persons and allocation of resources as a Business
manager in the direct sales team and overall accountability for disbursement of
loans.
Direct interaction with the sales manager for Surat and south Gujarat and the
Area credit manager for Managing Productivity, Pricing, Efficiency, recruitment,
training, and office Management for the team.
Setting of targets, development of sales strategy & action plan in line with
market Share & volume objectives of organization for the region.
Market awareness & sales promotions through event management,
sponsorships via Market blitz, direct mailers customer meetings & lead
generation activities.
Competition Analysis- keeping a track of volumes achieved by competitors &
their Pricing strategies and out approach to counter them.
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Review of quality of sourcing and analyzing the sectors and business profiles
where Greater business opportunities are available.
Education
Sikkim Manipal University - Distance Education
Master of Business Administration (M.B.A.), Finance · (2003 - 2005)
South Gujarat University
Bachelor's Degree, B.com · (1999 - 2002)
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