Mohit Puri

U-14/41, Ist floor DLF Phase– 3, Gurgaon, Haryana 122003

Mobile: 9999088156/9555451445 E-mail: mohitmba2009@gmail.com

Seeking position in: Senior Management positions in Banking/Insurance/Telecom

Dynamic, achievement-oriented professional with 8 years and 4 Months of Sales, Middle and
Senior level management experience. Expertise in handling all operational aspects of sales.
Recognized as an enthusiastic team player and a creative/resourceful problem solver.
Professionally aggressive in pursuit of company goals and delivering impressive bottom-line
impact.

CORE STRENGTHS
 Sales Planning/Forecasting/ Implementation
 Channel sales-build, manage & develop
 Build customer relationships-inspire confidence/credibility
 Market share rating enhancement
 Recruit, train, manage, mentor, motivate team-leadership by example
 Negotiation, presentation, communication, interpersonal & skills.
HDFC Standard Life Insurance Co. Ltd. 20th July, 2010 to till present.
BSM - Branch Sales Manager.
• Handling Team of SDM’s/BDM’s/ASM’s into retail channel DLF CITY Sector –
53 Branch.
• To manage branch comprising of sales team od 12-115 SDM.BDM/ASM. AND
BUSINESS LEADERS. Collectively in order to achieve key performer’s indicators
such as MTD and YTD Premium targets, activisation, productivity and other
National Initiative’s.
• Organizing business opportunity presentation to promote recruitment of
insurance advisor’s and arranging 50 HRS training hours and III examination
conducted for Insurance Advisor’s.
• Organizing corporate presentation in Government departments, and Industrial
Units at various upcountry locations such as Hindustan Zinc, BHEL, and other
private institutions like IBM/SAIPAINT/SONY ERRICCSON/GENPECT/STAR
NEWS/STAR TV/ORACLE ETC to procure bulk corporate business.
• Conducting financial reviews and providing financial advice to HNI Individuals
about taxation planning,Financiasl Planning, Asset Allocation and portfolio
management by educating them about investments ULIP’S and same to the
managers working under me to have the kind of knowledge and zeal towards
working and finding out prospective to generate good amount of business for the
month.
• Risk Management of procured proposals by ensuring compliances of AML and
KYC guidelines, underwriting guidelines and client confidential reports by
verification of date of birth proofs and financials docs. Etc.
• Administrating and monitoring support function employees such as sales MIS
COORDINATOR, House keeping and cash management services executives and
 coordinating departments such as operations, training, customer services and risk
department for the smooth functioning of sales team.
• Responsible for developing channel partners for delivering quality services to
customers and also for achieving targets.
• Responsible for handling the sales at corporate and individual level.
• Building strong customer relationship.
• Consistent achievement of allotted targets.
• Develop and manage relationships with clients, resulting in sales and
profitability and ensuring a long-term association with the organization.

Handling HNI $ Semi HNI Group of more than 200 Customers, out of which top 50
HNIB Giants are directly viewed and admire by me (Worth more than 250 Corers)

Aims Stock Broking Co. Ltd. (Gurgaon) 1 Feb 2009 – 19th July, 2010.
Senior-Branch Manager. (HNI $Semi HNI Group and their Portfolio Management)
• Own manage optimize customer life cycle by driving engagement and retention
of existing customer base.
• Responsible to achieve the targets of PMS/Sip’s/new customers/IFA’s $
market share enhancement.
• Responsible for achieving respective targets of Equities, Liquid Debt
Funds/Life-Insurance/General Insurance/MT/F$O.
• Client acquisition $ servicing of existing clients for commodities cross selling
other financial products.
• Handle activities of sales, servicing $ operations.
• Call up client on regular basis and share with them research information
provided by the research department.
• Drive attention of the customers by owning $ managing E-mails, SMS $ other
direct channels while continuously testing$ empowering new channels like mobile,
marketing and social Media. Responsible for customer segmentation $ targeting
strategies throughonlinechannels, on site $ offline channels.
• Identifying key process gaps and ensuring timely closure of the same.
Activities Done To Enhance Relationship Building and Enhancement of Business in
HNI GROUP.
• Have conducted seminars for HNI $ Semi HNI,$ pension plans for seniors
citizens in large public gathering places, Like Clubs, Golf Clubs, Resorts $ so on.
• Business Development by establishing business contacts with
boards,corporates, clubs, non-profit organizations, trusts, schools, $ colleges.
• Mobilization of Term Deposits.
• Providing after sales services to HNI’s $ timely execution of transactions $
other operational aspects.
• Proper $ timely coordination with Operation In-charge for issues or queries
related to HNI clients within the TAT Period.
Abilities to Retain the HNI’s with the Organization.
• Acquisition of key clients $ high-end customers $ adding these clients to
His/Her existing portfolio’s for future cross sells.
• Ensure proper execution of orders given by clients in highly timely manner.
 • Providing trade communications to client.
• Own manage $ optimize customer life cycle by driving engagement and
retention of customers by owning and managing E-mails, SMS and other Media’s.
• Providing accurate and detailed financial advice related to investments,
Insurance.
• Maintaining strong relationship $ building client RAPPORT with corporate
sector/NR Clients.
• Ensuring standardized services for all the customer is spread out in all the
locations by ensuring standardized processes.
• Delivering the quality invests to the customer and according to customer
Delight.
• Tick Off activities on daily basis customer complaint report.
Strengths as Wealth Manager.
• The overall marketing strategy is implemented correctly, modifying it if
needed to accommodate.
• Role in the development of marketing strategies, identifying products that
would sell well in the local market.
• Complete ownership of the product in terms of value targets, volume, market
share & profitability, Brand Image & Visibility.
Launching of new products, market research, technical feasibility studies & the
development of Product pricing strategy.
• Experience in executing marketing strategies, running advertising campaigns
and PR events.
• Setting objectives for each promotional activity.
• Planning creative promotional material.
• Planning and researching on ways to promote the organization i.e. designing
effective Promotion Mix strategies.
• (Online, outdoor, direct, special offers, public, relation)
Significant Achievements:
• Have won all the titles and Awards, which belongs to Regional Level.
• Got the award for highest activities done of creating Brand image in the
market consistent in the ZONE.
• Awarded for the highest number of Students Conversion (Regions)
• Awarded for the highest number of students placed in the Institute.
• Awarded for the maximum HNI background students conversion and activities
for promoting the brand in High Societies.
• Clear expectations for 100% on time repayment, minimal complexity means
less learning demands on staff.
• minimization of accounting and administrative procedures
• On-going checks and balances for transactions (e.g. reconciling cash and
program numbers) borrowers make frequent repayments of small amounts.
• Maintaining detailed estimates of projected cash inflows and outflows for the
Next few weeks or months so that net cash requirements can be identified.
• Using branch procedures to limit unexpected increases in cash needs. For
example, some MFIs, such as ASA, have put limits on the amount of withdrawals
 • that customers can make from savings in an effort to increase the
• MFI’s ability to better manage its liquidity.
• Maintaining investment accounts that can be easily liquidated into cash, or
Lines of credit with local banks to meet unexpected needs.
• Anticipating the potential cash requirements of new product introductions or
seasonal variations in deposits or withdrawals.
ICICI Prudential Life Insurance Co. Ltd. 1stApril 2008 to 10th January, 2009.
Area Manager (Udaipur)
• Managing the Sales and Marketing operations for insurance products/services.
• Handling team of thirty unit/agency/senior agency managers and alternate
channel (CBD)
• Consistent achievement of allotted targets.
• Recruit, train, mentor, motivate and guide the team to achieve sales
objectives of the organization and grow up the value chain.
• Responsible for developing channel partners for delivering quality services to
customers and also for achieving targets.
ICICI Prudential Life Insurance Co. Ltd. October 2006 to march 2008.
Sales Manager {(Banswara, Udaipur)} Started branch with scratch from
infrastructure to recruitment.
• Increasing sales base by adding up new FOS.
• Maintained the activity ratio of 40% month on month.
• Have been rated as the best branch manager in F.Y year 2007-2008.
• Gained 35th rank pan India last financial year 2007-2008.
• Have won Alto car in HOS league challenge.
• Have been able to maintain the productivity of 1.65 cases per advisor.
• Have been able to maintain the manager productivity of approx. 15.33 cases
per manager in a month.
• Have won all the awards and titles that belong to Rajasthan.
Significant Achievements:
• Have won all the titles and Awards, which belongs to Rajasthan.
• Have won HOS League challenge By Head of Sales. (Won Alto car)
• Got the award for highest activisation consistent branch in the ZONE.
• Ranked 12th Pan India out of 3000 similar profile segment.
• Awarded for the highest number of policies in Health segment.
• Awarded for the highest number of Recruitments (248) and coded advisors.
• Awarded for the maximum HNI cases logged by the branch (1 Lac and above)
ICICI Prudential Life Insurance Co. Ltd. Sept.2005 to Sep 2006.
Agency Manager (Udaipur)
• Managing the Sales and Marketing operations for insurance
products/services.
• Direct strategy, planning and implementation.
 Direct a team of 30 insurance advisors.
• Recruit, train, mentor, motivate and guide the team to achieve sales
objectives of the organization and grow up the value chain.
Significant Achievements:
 • Promotion for outstanding performance with in the very first year of job.
• Escalated sales by folds from scratch to 1.98 crores premium.
• Received appreciation from head of sales for best manager.
• Won recruitment champion award and many more awards for best
performances.
• Winner of millionaire club consecutively for five times (criteria ten lakh and
above in a month).
• Contributed two MDRT’s 2006.
ICICI Prudential Life Insurance Co. Ltd. April 2004 to Sep 2005.
Unit Manager (Udaipur)
• Managing the Sales and Marketing operations for insurance products/services.
• Direct strategy, planning and implementation.
• Direct a team of 30 insurance advisors.
• Recruit, train, mentor, motivate and guide the team to achieve sales
objectives of the organization and grow up the value chain.
Significant Achievements:
• Promotion for outstanding performance with in the very first year of job.
• Escalated sales by folds from scratch to 1.67 crore premium.
• Received appreciation from head of sales for best manager.
• Won recruitment champ award and many more awards for best performances.
• Winner of millionaire club consecutively for five times (criteria ten lakh and
above in a month).
• Contributed two MDRT’S in 2005.
Support India Direct Ltd. Feb 2003 to Feb 2004
Management Trainee (Delhi, NCR)
• Management trainee at corporate and individual level.
• Responsible for handling the sales at corporate and individual level.
• Building strong customer relationship.
• Consistent achievement of allotted targets.
• Develop and manage relationships with clients, resulting in sales and
profitability and ensuring a long-term association with the organization.
Maxton Chemicals Pvt. Ltd. May 2002 - Feb 2003.
Marketing Executive (Delhi, NCR)
• Responsible for developing channel partners for delivering quality services to
customers and for achieving targeted revenues.
• Handle the entire sales process for identifying sales targets and making the
sales pitch, to closing the sale and providing customer service.
• Maintained and developed channel relationship in the marketing through
excellent service quality to retailers.
• Retail marketing, which includes query solving and increasing sale.
• Increasing sales base by adding up new retailers.
• Looking after distributor secondary sales.
• New scheme implementation.
Identifying, Assessing and prioritizing risks
• designing policies to measure risk developing
• cost-effective policies and procedures to mitigate risk
 • Assigning responsibility to the appropriate manager;
• Evaluating results.
• Making revisions as necessary. Since the process is ongoing, the
• Evaluation step links back to the risk identification and assessment step.
•
Obstacles to Risk Management
• Identifies some core obstacles and Challenges for MFIs as they shift to a
comprehensive risk management framework from the reactive, step-by-step
approach, and some of the resources needed to overcome them.
• Early warning system for potential problems: A systematic process for evaluating
and measuring risk identifies problems early on, before they become larger
Problems or drain management time and resources.
• Effective treasury management as MFIs seeks to maximize earnings from their
investment Portfolios while minimizing the risk of loss.
• Managing the probability or the severity of the adverse event to an acceptable
range or within limits set by the MFI.
• Design an integrated and comprehensive risk management system that helps them
focus on the most important risks in an effective and
• Efficient manner.
• Consciously designed system to protect the organization from undesirable
surprises (downside risks), and enable it to take advantage of opportunities (up-
side risks). A good risk management framework.
• Identifying, measuring, and monitoring many different types of risk to help
management keep an eye on the big picture.
• Uses a continuous feedback loop between measurement and monitoring, internal
controls and reporting, and involves active oversight by senior managers and
directors, allowing more rapid response to changes in internal and external risk
environments.
• Elevates responsibility for risk management and preparedness to senior
management and the boar.

• Encourages cost-effective decision-making and more efficient use of resources.

Identifying, assessing, and prioritizing risks.
• Developing strategies and policies to measure risks
• Designing policies and procedures to mitigate risks
• Implementing and assigning responsibilities
• Testing effectiveness and evaluating results.
• Revising policies and procedures as necessary.
Creates an internal culture of “self-supervision” that can identify and manage risks
long before they are visible to outside stakeholders or regulators.
• Credit Risk
• Transaction risk
• Portfolio risk
• Liquidity Risk
• Market Risk
• Interest rate risk
• Foreign exchange, risk Investment portfolio risk..
Effective approaches to managing credit risk in MFIs include:
• Well-designed borrower screening, careful loan structuring, close monitoring,
clear collection procedures, and active oversight by senior management.
Delinquency is understood and addressed promptly to avoid its rapid spread and
potential for significant loss.
• Good portfolio reporting that accurately reflects the status and monthly trends
in delinquency, including a portfolio-at-risk aging schedule and separate reports
by loan product.
• A routine process for comparing concentrations of credit risk with the adequacy
of loan loss reserves and detecting patterns (e.g., by loan product, by Branch,
etc.).
Common approaches to interest rate risk management among financial
Institutions.
• To reduce the mismatch between short-term variable rate liabilities (e.g. savings
deposits) and long-term fixed rate loans, managers may refinance some
• Of the short-term borrowings with long-term fixed rate borrowings. This might
include offering one and two-year term deposits as a product and borrowing five
to 10 year funds from other sources. Such a step reduces interest rate risk and
liquidity risk, even if the MFI pays a slightly higher rate on those funding
sources.
• To boost profitability, MFIs may purposely “mismatch” assets and liabilities in
anticipation of changes in interest rates. If the asset liability managers think
interest rates will fall in the near future, they may decide to make more long
term loans at existing fixed rates, and shorten the term of the MFI’s liabilities.
• To reduce its exposure to fraud risk, K-Rep employed the following mechanisms:
• Introduced an education campaign to encourage clients to speak out against
corrupt staff and group leaders.
• Standardized all loan policies and procedures so that the staff cannot make any
decision outside the regulations.
• Emphasized management training to increase managers' capacity and to Introduce
strict supervision processes.
• Established an inspection unit that performs random operational checks.
• Enforces the following human resource policies:
• fire staff involved in fraud immediately
• maintain a profile of fraudulent staff and use it to refine recruitment
• refrain from posting staff to home areas to reduce the opportunity and
• temptation to collude make loan products available to staff pay staff well relative
to other available job opportunities in the area
• Rotate staff regularly within a branch fraud prevention should be built into the
design of the MFI’s policies and Procedures.
• The best way to discover fraud is for someone other than the loan officer to
visit the client to verify accounts BAL.
• Careful attention to staff recruitment and training. The MFI can reduce
operational risk by carefully growing staff and ensuring that employees’ interests
are aligned with those of the goals of the organization.
• Control growth to allow time to develop internal systems and prepare staff for
• Changes resulting from the expansion.� carefully monitor loan growth and
portfolio quality to better understand growth (e.g., number of loans per client,
average loan size, growth in number of borrowers) and to not let growth mask
increases in delinquency.
• Good communication from senior managers to reinforce the MFI’s culture and
commitment to quality service and integrity. These efforts should motivate new
employees, as well as existing employees who are being asked to do more.
Identify, assess, and prioritize risks
• The first step in risk assessment is to identify risks.
• To identify risks, the MFI reviews its activities, function by function, and
asks several questions.
• Assess each product’s specific risk profile.
• To determine the probability of risks occurring and their potential severity.
To assess the probability and severity of risks, a risk management chart or
matrix.
• quality of existing risk management, or how well management currently
• measures, controls, and monitors the risk (e.g. Strong, Acceptable, Weak);
The aggregate risk profile for that risk, combining the first two measures (e.g.
• High, Moderate, Low); and the trend or direction of that risk (e.g. Stable,
Increasing, or Decreasing).
EDUCATION & CREDENTIALS:
• PGDBM (Specialization in marketing management), 2002-2003.
• Symbiosis College, Pune.
• Bachelor of Commerce 1999-2002.
• Pacific College of Commerce and Management Studies, Mohanlal Sukhadia
University, Udaipur, Rajasthan...
Personnel Details:
• Date of Birth : 26th September, 1981.
• Marital Status : Married
• Languages Known : English, Hindi, Punjabi, and Rajasthan.

Mohit Puri Dated: