Dhiraj Kumar

Welcome to my Professional Portfolio

Senior Auto Loan & Banking Professional | 15+ Years in Finance & Dealer Engagement | Growth Strategy & NPA Control Expert

With 15+ years of rich experience across India’s top private sector banks and automotive brands, I have consistently delivered business growth, reduced NPAs, and built dealer & institutional relationships that drive results. From managing branch operations to leading regional auto loan initiatives, my journey reflects commitment, performance, and leadership.

I have worked with leading organizations including HDFC Bank, Axis Bank, IndusInd Bank, and TSG Group (Hyundai/Ford). I bring a sharp focus on collections, compliance, and loan disbursement with deep expertise in field operations, open market strategies, and BCS channels. My strengths include people leadership, relationship building, and strategic execution.

My Expertise:

Auto Loans | Dealer & Institutional Sales | NPA Recovery Strategy | Retail & Commercial Banking | Customer Engagement | Branch Management | MIS & Forecasting | Loan Origination Systems | Team Development | Sales Target Achievement | Collections | Loan Documentation | Digital Lending Enablement | CRM Systems | Compliance & Process Improvement

Professional Journey:

I began my career in vehicle sales and worked my way up to managing end-to-end auto loan portfolios at top banks. From team management to client acquisition and collection recovery, I have consistently taken ownership and driven impact. My professional path shows a steady upward trajectory, fueled by commitment and business acumen.

Vision and Dedication:

I’m passionate about empowering retail finance and automotive lending ecosystems with sustainable strategies. I now look forward to taking on senior leadership roles in banking, NBFC, or fintech where my expertise in operational scale and financial discipline can contribute to regional or national growth.

Backed by strong field experience, customer insight, and data-driven decisions, I’m confident in aligning any organization’s goals with high-performing execution on ground.

Armed with a multitude of competencies and work experiences, I am confident to carry forward any organization's vision & objectives with sufficient ease and dedication to my job responsibility.

Dhiraj Kumar

Nick Name: Dhiraj Kumar

Email: kumardhiraj95@gmail.com

Mobile: +91 9899338115

Location: Patna, Bihar, India

My Skills

Having worked within the industry for over 15+ Years, I have developed a wide range of skills that would meet and exceed the expectations for the role.

I would relish the opportunity to bring this level of success to your company. If you would like to get in touch to discuss my application and arrange an interview, you can contact me.

AREAS OF EXPERTISE


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Well versed with


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Language Skill

Language is absolutely central to your learning: without it, you cannot make sense or communicate your understanding of a subject.

  • English
  • Hindi

My Exprience

15+ Years Exprience

Above and beyond my experience and capabilities I have been commended for my high level of interpersonal skills and my naturally engaging personality. My motivations include learning new things, the challenge of meeting the needs of an organisation, and ensuring high-quality outcomes.

HDFC

Manager – Auto Loans

HDFC Bank Ltd.
Dec 2021 – Till Date



Key Result Areas:

  • Driving BCS & Open Market Auto Loan business, ensuring branch profitability and market share growth.
  • Managing dealer network, institutional tie-ups, and corporate relationships.
  • Ensuring NPA reduction through structured collection strategies and repo vehicle management.
  • Supporting branch and collection teams with customer-centric solutions.
  • Building long-term customer relationships to enhance retention and cross-selling.
  • Conducting financial roadshows and campaigns to boost enquiry generation.
  • Collaborating with dealer sales teams to achieve monthly disbursement targets.
  • Monitoring competition strategies and implementing countermeasures to capture market share.
  • Driving portfolio growth while maintaining asset quality and compliance.
  • Implementing collection drives and recovery initiatives to reduce delinquency levels.
  • Mentoring and motivating branch staff to meet individual and team goals.
  • Strengthening corporate alliances and institutional tie-ups for bulk disbursements.
  • Ensuring regulatory compliance in loan processing and documentation.
  • Developing branch-level strategies to improve customer acquisition and profitability.
  • Coordinating with credit and risk teams to streamline approvals and reduce TAT.
  • Leveraging customer feedback and surveys to refine offerings.
  • Contributing to state-level business reviews and planning sessions.
  • Driving digital adoption in EMI collections, loan processing, and servicing.
  • Recognised for improving cross-sell ratios via insurance and allied product offerings.



Axis

Manager – Auto Loans

Axis Bank Ltd
Location: Delhi NCR
Sep 2019 – Mar 2021



Key Result Areas:

  • Handled Auto Loan Disbursement through BCS and Open Market channels.
  • Built and maintained strong dealer relationships to enhance loan origination volume.
  • Executed collections strategies for overdue accounts, contributing to reduced NPAs.
  • Collaborated with credit & risk teams to streamline loan approval processes.
  • Monitored branch-level sales performance, ensuring achievement of monthly targets.
  • Cross-sold allied products including insurance and other financial offerings.
  • Led customer acquisition drives via roadshows and dealership partnerships.
  • Prepared performance reports and dashboards for internal business reviews.
  • Trained and supported junior staff to boost productivity and compliance adherence.



Indusind

Branch Head – Auto Loans

IndusInd Bank Ltd
Location :Delhi/NCR
Nov 2017 – Jul 2019



Key Result Areas:

  • Led the entire branch operations related to auto loan disbursement, collections, and team performance.
  • Achieved monthly disbursement and recovery targets through focused team management and strategic execution.
  • Implemented NPA control measures and drove recovery campaigns to reduce delinquency rates.
  • Managed dealer and DSA relationships to ensure continuous business flow and loan sourcing.
  • Supervised loan documentation, application processing, and ensured adherence to credit guidelines.
  • Trained and motivated branch staff to improve operational efficiency and customer service quality.
  • Handled customer escalations and provided prompt resolutions to ensure satisfaction and retention.
  • Reported key performance metrics to regional leadership and contributed to planning sessions.
  • Acted as second line to State Head, supporting zonal-level initiatives and reviews.



TSG

Manager – Corporate & Institutional Sale

TSG Group (Hans Hyundai / Harpreet Ford)
Location :Delhi/NCR
Jul 2009 – May 2017



Key Result Areas:

  • Managed corporate and institutional vehicle sales for Hyundai and Ford brands.
  • Handled fleet, CSD, CPC, and leasing segment sales across private and government clients.
  • Built and maintained relationships with key corporate decision-makers for long-term business.
  • Coordinated with banks and NBFCs for loan tie-ups and faster vehicle delivery.
  • Prepared competitive proposals and RFP responses for institutional sales contracts.
  • Conducted product presentations and demo events for bulk vehicle buyers and fleet operators.
  • Achieved monthly and quarterly sales targets through channel coordination and B2B marketing.
  • Supported after-sales service coordination for key accounts to ensure customer satisfaction.



Concorde

Team Leader – Commercial & Institutional Sales

Concord Motors Pvt. Ltd.
Location :Chennai / Delhi
Aug 2004 – Jun 2007



Key Result Areas:

  • Led the commercial vehicle sales team for Tata Motors across B2B and institutional clients.
  • Targeted government departments, PSUs, and large corporates for bulk sales and tenders.
  • Developed new business opportunities through strategic outreach and client onboarding.
  • Maintained documentation and coordination for vehicle registration, financing, and delivery.
  • Conducted field visits and product demonstrations to convert leads into sales closures.
  • Worked closely with internal teams and finance partners to streamline deal execution.
  • Achieved monthly sales targets while mentoring junior sales executives.



CAREER ACHIEVEMENTS:

  • Achieved 100%+ disbursement targets consecutively in multiple quarters across HDFC and Axis Bank branches.
  • Reduced NPA levels significantly through strategic collection drives and repo vehicle management initiatives.
  • Built and maintained over 25 key dealer relationships, enabling consistent loan sourcing and market presence.
  • Recognized for high cross-sell performance of insurance and other retail banking products.
  • Successfully handled branch-level operations as acting head and second line to the State Head at IndusInd Bank.
  • Increased customer retention and satisfaction scores by implementing client-centric service approaches.
  • Conducted successful financial roadshows and field activations to boost loan enquiries and conversions.
  • Awarded multiple performance recognitions for business growth, collections, and compliance management.
  • Expanded institutional sales volume through strategic corporate tie-ups at TSG Group (Hyundai/Ford).



Education

My Educational Background

KBS

Post-Graduation (Marketing & IT)

From Kohinoor Business School Mumbai

In 2009
NIT Patna

B.Sc. Computer Science

From N.I.T. Patna

In 2004

Training & Certifications:

  • NCFM – Capital Market (Dealer Module)
  • IRDA Certified – Life & General Insurance
  • Branch & Auto Loan Management Training – Internal bank programs (IndusInd, Axis, HDFC)
  • Sales & Customer Relationship Training – Focused on dealer tie-ups and customer retention strategies
  • NPA & Collection Management Workshops – Covering recovery strategies and compliance



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My Resume

Declaration

I hereby declare that the details furnished above are true and correct to the best of my knowledge and belief and I undertake to inform you of any changes therein, immediately.

Dhiraj Kumar

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