Summary
Overview
Work History
Education
Skills
Certification
Competence Areas
Interests
Timeline
Generic
Ashish Nayar

Ashish Nayar

Associate Director And Business Head (Strategy & Business Planning)
Gurugram

Summary

Sales Marketing and Strategy professional with over 27 years work experience across various functions in the Retail Asset Lending Business, with reference to New/Used Car loans, Two wheeler loans & Housing Loans. Exposure to various roles such as Underwriting, Product Management, Customer Relations, Marketing Communications as well as Business Analytics and Sales/ Relationship Management. Core competencies include Alliance building and management. Strong leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Uses independent decision-making skills and sound judgment to positively impact company success. Encouraging manager and analytical problem-solver with talents for team building, leading and motivating, as well as excellent customer relations aptitude and relationship-building skills. Proficient in using independent decision-making skills and sound judgment to positively impact company success. Dedicated to applying training, monitoring and morale-building abilities to enhance employee engagement and boost performance.

Overview

24
24
years of professional experience
2
2
Certifications
8
8
Languages

Work History

Associate Director and Business Head

Paisa Bazaar.com
09.2022
  • Tasked with creating a new stack for Secured loans for the organisation
  • Intention to parallely augment the existing customer base , hitherto focussed around unsecured loans/credit cards
  • Initiated foray as a full time consultant
  • Later on joined the organisation as full time employee
  • Creation /operationalising the architecture of these businesses for the organisation
  • Alliance Building with Banks, Fintechs and NBFCs for executing operations of these product stacks
  • Creating the Strategy, Analytics ,Marketing , Financials and operations
  • Management of internal call centre operations
  • Operating the businesses at a targeted margin which has been achieved
  • Achievement of planned scale and profitability for these stacks of Businesses.

Senior Vice President

HDFC Bank Ltd
09.2008 - 05.2021
  • Head Product & Portfolio - New/ Used Car loans, Home loans & Two wheeler loans
  • Responsible for handling Product and programmes management for the New/ Used Car loans, Two wheeler loans as well as Rural Sales for Secured loans, inclusive of Tractor loans & Commercial vehicle loans
  • AUM of over INR 1,75,000 crores over 2.2 million customers
  • Management of a team, responsible for product and programs, channel management, process, business intelligence, marketing, analytics and MIS and digital interventions
  • Head of quality initiatives for the products in terms of continual process refinement and customer delight along with a team of 7 zonal resources in addition to 25 central product management resources
  • Responsible for the Digitisation of the businesses, by creation of processes which were key to ensuring Straight through delivery for the Businesses
  • Creation of an architecture to ensure immediate disbursal of New/ Used Car loan and Two wheeler loan top ups to customers on real time basis
  • A first of its kind industry intervention
  • Responsible for profitability and maintenance of key financial parameters on the New/ Used Car loan, Two wheeler loan, Inventory funding and Rural Vehicle loans products
  • Managing OEM relationships /other strategic partnerships - New/ Used Cars & Two wheelers to exact key synergies on the retail finance side
  • Monitoring the business mix through product line creation and channel mix in order to ensure proper cost optimization as well as ensuring key strategic objectives are met
  • Product management of Channels - Internal Branch and Digital Channels as well as engagement with E commerce horizontal and vertical players, in terms of overall strategy, engagement and integration
  • Responsible for overall CRM management for the product
  • Driving cross sell initiatives with other product groups with a view to strategic customer retention as well as product penetration
  • Responsible for the Product Architecture, monitoring and management of the Rural Vehicle Sales vertical, a separate operation of over 171 Bank Staff, generating business for New/ Used Car loans, Two wheeler loans, Tractor loans and Commercial vehicles, a one of its kind, integrated unit set up to close end the Bank's rural strategy on Assets Business
  • New/ Used Car loans & TW loans sales processes are consequently ISO:9001-2008 certified, a first for any financial institution in this space

Deputy Vice President

HDFC Bank Ltd
12.2004 - 09.2008
  • Product and programs implementation on Pan India basis for New car loans and Car overdraft product for the Bank
  • In charge of creation and monitoring of policy for New car loans and Car overdraft for the bank as well as other critical salients such as Cost of acquisition, yields management as well as overall profitability of the product
  • Head the manufacturer relationship function for the bank Responsible for handling and liaison with Auto Manufacturers on the retail finance side
  • Responsible for creating Top of the line and Below the line campaigns with manufacturers using internal data bases in coordination with the Marketing team
  • Implementing and driving the Alternate channel vertical for auto loans through new age channels such as Web, ATM, Net banking as well as top of the line campaigns, Retail Assets, New Delhi.

Relationship Manager/Area Sales Manager

09.2001 - 12.2004
  • Identification, recruitment and management of business sourcing channels
  • Products handled include car loans, housing loans, personal loans and two wheeler loans
  • Creation of marketing opportunities and execution of promotion/advertisement programmes for the Bank
  • Provision and execution/management of inventory finance to manufacturer dealers
  • Registering a proper channel mix in order to optimize cost and quality parameters.

Manager Marketing

Tata Finance Ltd.
10.2000 - 08.2001
  • Management of the car finance product for the North and East region with regard to initiation of lending norms, process flows, promotion, key relationships and overall positioning
  • Responsible for handling manufacturer relationships with regards to subvention schemes and allied promotional activities
  • Planning and executing the advertising and promotional activity for the Delhi area in close conjunction with the Area Manager
  • Instrumental in designing the new product criteria for car finance for the company benchmarking the same with competitor best practices.

Sales Manager

Esanda Finanz and Leasing Ltd
06.1999 - 10.2000
  • Relationship management of Direct sales associates with specific regard to recruitment, training, monitoring, servicing and execution of business sourced
  • Automobile manufacturer relationship with Maruti Udyog Ltd
  • With regard to coordination of subvention programmes in close coordination with Maruti Sales and planning personnel and the internal channel management team at the head office
  • Manufacturer dealer relationships with specific reference to trade financing and its operations with the aim to generate business from the dealership
  • Relationship management and overall coordination with the local Standard Chartered Grindlays personal bank network as well as driving all direct selling activity by the in-house retainer setup
  • Maintenance and upgradation of all sales and marketing related MIS with specific regard to competitor information.

Junior Executive

More Emballage Ltd
06.1997 - 06.1999
  • Acquisition of key accounts with corporates/ manufacturing relationships such as Godrej Foods, ParleA- gro, DHL Air Freight, Pepsi Foods with specific reference to packaging solutions of their products
  • As Key account manager, be the lead in terms of customer engagement on behalf of the company
  • Coordinating with all in-house departmental and functional chains ranging from design, research, quality assurance to production and supply functions of the company for these corporate relationships
  • Driving sales, supply chain, logistics and overall profitability for these customers on behalf of the company.

Education

Management Degree - Business Administration, Finance Marketing

Bharathiar University

Bachelors - Commerce, Advanced Accountancy

Gujarat University

Schooling - undefined

St Xaviers Loyola Hall, Ahmedabad

Skills

Strategic leadership

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Certification

Indian Institute of Management, Ahmedabad, Management Development programme, Business Administration, Finance, Marketing, 2017

Competence Areas

  • Product management experience.
  • Leadership, strong communication & presentation skills.
  • Results and Customer-orientation.
  • Business operations organization.
  • Sound Prioritization skills - Systematic approach to work/multitasker/deadline oriented.
  • Perceptive, analytical and problem solving abilities.
  • Early exposure to team handling activities

Interests

Multilingual Pursuits: Passionate about learning languages, fostering cross-cultural understanding and enhancing global communication skills, aligning with strategic planning in diverse markets

Literary Exploration: Avid reader with a diverse literary taste, leveraging insights gained to enhance critical thinking and innovative approaches in strategic decision-making

Writing and Communication: Engages in writing endeavors, from creative pursuits to professional content development, refining communication skills vital for effective strategic planning

Travel and Cultural Immersion: Enthusiastic traveler, exploring diverse cultures and perspectives, fostering adaptability and a broadened worldview—a valuable asset in strategic business planning

Family Connections: Values family time, recognizing the importance of fostering strong relationships and empathy, contributing to collaborative leadership and cohesive team dynamics in strategic endeavors

Timeline

Associate Director and Business Head

Paisa Bazaar.com
09.2022

Senior Vice President

HDFC Bank Ltd
09.2008 - 05.2021

Deputy Vice President

HDFC Bank Ltd
12.2004 - 09.2008

Relationship Manager/Area Sales Manager

09.2001 - 12.2004

Manager Marketing

Tata Finance Ltd.
10.2000 - 08.2001

Sales Manager

Esanda Finanz and Leasing Ltd
06.1999 - 10.2000

Junior Executive

More Emballage Ltd
06.1997 - 06.1999

Management Degree - Business Administration, Finance Marketing

Bharathiar University

Bachelors - Commerce, Advanced Accountancy

Gujarat University

Schooling - undefined

St Xaviers Loyola Hall, Ahmedabad

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Ashish NayarAssociate Director And Business Head (Strategy & Business Planning)