Jyoti Kalra

Mobile: +91 9871537383

Email: jyotisyakalra@gmail.com

Professional Synopsis
A dynamic professional 15 years of rich experience in Branch Administration, Business Development,
Client Relationship Management, Channel Management & Team Management in the Banking Sector.
❖ Presently working with Alice Blue as Sr. Area Manager
❖ Before this working with Nirmal Bang as Area Manager
❖ Prior to this worked with India Info line as Area Manager.
❖ Earlier worked with ICICI direct.com as Area Sales Manager.
❖ Expertise in managing the HR operations with key focus on top line profitability by ensuring
optimal utilization of resources.
❖ Track record of consistently achieving the projected/set targets at branches, building dynamic
sales teams, identifying high-yielding services and products during the career span.
❖ Demonstrated abilities in cementing healthy relationship with the clients for generating
business and leading workforce towards accomplishing business and corporate goals.
❖ Possess excellent interpersonal, communication and analytical skills with demonstrated
abilities in customer relationship management.

Core Competencies
Branch Administration
• Implementing competent strategies for boosting the business with a view to penetrate new
accounts and expand existing ones for meeting pre-determined business objectives and targets.
• Identifying new streams for revenue growth and developing marketing plans to build consumer
preference across the assigned regions.
• Maintaining MIS reports and periodically submitting the reports to H.O for decision-making
purposes.

Sales & Marketing / Business Development

• Overseeing the sales & business development activities, thereby achieving increased business
growth.
• Identifying streams for revenue growth & developing sales plans to build consumer preference.
Business planning and analysis for assessment of revenue potential in business opportunities.

Client Relationship Management

• Managing customer centric banking operations, forwarding customer instructions to the
concerned department & ensuring customer satisfaction by achieving delivery & service quality
norms.
• Interfacing with high net worth clients for understanding their requirements & suggesting the most
viable solution and cultivating relations with them for customer retention & securing repeat
business.
 Channel Management
• Identifying and networking with financially strong and reliable advisors / agents resulting in
deeper market penetration and improved market share.
• Developing and appointing advisors / agents to expand product reach in the market and
coordinating to assist them in promoting the product.

Team Management
• Recruiting, Training leading, mentoring & monitoring the performance of Sales Managers, Team
members to ensure efficiency in process operations and meeting of individual & group targets.
• Creating and sustaining a dynamic environment to foster development opportunities and
motivates high performance amongst Team members.

Organisational Experience

Presently working with AARYAH’s Group ( Online Vertical )

As Sr. Area Manager
From Jan 2020 to till Date
• Responsible for profit for company
• Handling Team of multi projects Insurance- Life Insurance, General Insurance, Mutual Funds,
Loans
• Handling North India network. Developing & Motivate the sales team for Products in the assign
territory Vis ensuring a perfect coordination and equilibrium..
• Help to achieving the Sales target in the terms to adding new customers for Company from
different location
• Communicating with Team leaders and brokers for Business.
• Major role in expanding teams
• Research the new areas focus for business expansion
• Responsible to increase the volume of business and retain employees.

Alice Blue Group. As Sr. Area Manager

From Nov 2016 to Dec 2019.

• Responsible for profit for company.

• Handling Team of multi projects Insurance- Life Insurance, General Insurance, Mutual Funds,
Loans -Mortgage , LAP, Home Loan, Business Loan ,Personal loan and Real Estate
• Handling North India network. Developing & Motivate the sales team for Products in the assign
territory Vis ensuring a perfect coordination and equilibrium..
• Help to achieving the Sales target in the terms to adding new employees for Company from
different location.
• Communicating with Team leaders and brokers for Business.
• Major role in expanding teams
• Research the new areas focus for business expansion
• Responsible to increase the volume of business and retain employees.

• Generated highest revenue from the product of Insurance & Mutual Fund.
 • Distribution management process implementation & focusing on segment sourcing and increasing
of Business
• Conceptualised and implemented new strategies like establishing healthy relations with Channels
&Business planning and analysis for assessment of revenue potential in business Opportunities
through HNI clients.
• Synchronising with the HR Managers & Administration Managers of various corporate to obtain
permission for performing help desk related activities to sell the products
.
Since Sep14 – Aug 2016 with Nirmal Bang Ltd...

Area Manager

• Spearheading a team of Territory Manager, Branch Manager, and Relationship Manager.

• Developing & Motivate the sales team for products in the assign territory Vis ensuring a perfect
Coordination and equilibrium among the Whole Delhi / NCR, Team with Admin & HR.
• Achieving the Sales target in the terms to adding new business for Company
• Communicating & Coordinating with Zone & Branch Managers for Business.
• Distribution management process implementation & focusing on segment sourcing and increasing
of Business
• Coordinating with the Regional Manager of Bank of Baroda for Local Promotional activities and
cross sell opportunities for selling Demit & trading account.
• Managing various functions related to Financial & Investment Products.
• Reviewing the performance of Team on weekly basis.
• Boosted up the business from all regions.
• Conceptualised and implemented new strategies like establishing healthy relations with Channels
&Business planning and analysis for assessment of revenue potential in business Opportunities
through HNI clients.

Jul ’10 – Jul 14’ with India Infoline.

As Area Manager

• Spearheading a team of Territory Manager, Branch Manager, and Relationship Manager.

• Developing & Motivate the sales team for products in the assign territory Vis ensuring a perfect
Coordination and equilibrium among the Whole Delhi / NCR, Team with Admin & HR.
• Achieving the Sales target in the terms to adding new business for Company
• Communicating & Coordinating with Zone & Branch Managers for Business.
• Distribution management process implementation & focusing on segment sourcing and increasing
of Business
• Coordinating with the Regional Manager of Bank of Baroda for Local Promotional activities and
cross sell opportunities for selling IIFL Demit & trading account.
• Managing various functions related to Financial & Investment Products.
• Reviewing the performance of Team on weekly basis.
• Boosted up the business from all regions.
• Conceptualised and implemented new strategies like establishing healthy relations with Channels
&Business planning and analysis for assessment of revenue potential in business Opportunities
through HNI clients.
 ➢ Placed the n No. 1 position across PAN India in Collecting highest Margins & generate
Highest Brokerage continuously during the month of Sept 10 to Dec 11 then in Feb 2012
To oct 2012

Company Name: - ICICI DIRECT

Jun' 07 – May’10

Growth Path
June ’07 - May ’08 - As Centre Manager

June’ 08 - Jun ’10 - As Area Sales Manager

Key Deliverables
As Area Sales Manager:
• Spearheading a team of 10 Sales Managers with each Sales Manager having 20 to 30 Agents.
• Rendering guidance & motivating the subordinates for accomplishing the pre-defined sales
targets.
• Reviewing the performance of team members on daily basis and rendering feedback to the
Territory Manager on the same.
• Coordinating with the Centre Managers of (ICICI direct outlet) ICICI Securities Ltd., Branch
Managers of Bank and other ICICI Bank Groups like Salary Account Team & Investment Services
Team for local promotional activities and cross sell opportunities for selling ICICI direct accounts.
• Synchronising with the HR Managers & Administration Managers of various corporates to obtain
permission for performing help desk related activities to sell ICICI direct accounts.
• Identifying and developing new channels for business expansion.

Boosted up the business from 100 accounts to over 1500 across the assigned region.
➢ Successfully organised the same into profitability through revenue generation.
➢ Conceptualised and implemented new strategies like establishing healthy relations with banks
&corporate to generate business in festival season.
➢ Received Appreciation Certificate from the Executive Director in Mar’08 for maximum NCA (New
Client Acquisition).

As Centre Manager:
• Accountable for handling the Branch activities through a team of Sales Managers & Relationship
Managers for various products like Personal Loan, MBL (Micro Banking Loan), Home Loan, Loan
Against Property, Credit Cards, Loan Against Security, Auto Loan and Two Wheeler Loan,
Insurance & Mutual Funds.
• Responsible for handling the DST’s of Investment ( Insurance& Mutual Fund ), Asset, Securities
and Credit Card.
• Managing various functions related to Financial, Investment, and Mortgages & Asset Products.
• Monitoring and ensuring the achievement of benchmarked productivity.
• Ensuring maximum customer satisfaction for expanding the client base.
 ➢ Performed a vital role in generating maximum revenues through the Investment plan for the branch after
joining the company.
➢ Placed the branch in No. 1 position across PAN India in Personal Loan during the month of Sept’06.

➢ Continuously Placed the branch in No. 1 position across PAN India in Investment Products during the
month of Sept’07 & Mar’ 08.
➢ Generated highest revenue from the product of Insurance & Mutual Fund.
➢ Successfully launched several schemes like Loan Mela during festivals& Generated maximum revenue
from Assets Products. ( Micro Banking Loan, Personal loan, Business Loan, Loan Against Property)
➢ Significantly engaged in developing efficient teams for every product.

Dec ’05 – May ’07 with MET LIFE as Sales Manager

Key Deliverables
• Leading and motivating a team of 30 Advisors for concept selling and sale of financial products.
• Conducting trainings for the subordinates to enhance the professional skills.
• Imparting product training to the new joiners.
• Tracking and ensuring the achievement of benchmarked productivity.

Qualifications

Master’s Degree in Business Administration (MBA).

Master’s Degree in Arts (M.A) from Delhi University.

Bachelor’s Degree in Arts (B.A) from Delhi University.

Personal Details

Residential Address : 33/1, West Patel Nagar, New Delhi- 110008.