Abhishek B.
National Head- Rural Unsecured Loans | 21 years | Built & scaled Microfinance, Rural Wheels, Mortgages portfolio | Turning priority sector lending into profitable businesses
- Role
- National Head-unnati (Unsecured Loans) at IDFC FIRST Bank
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Abhishek B.
I believe that in the heart of \"Bharat,\" business is not just about transactions; it is about Relationship Infrastructure. Be it with channel partners, or the team members or the stakeholders at the central office.With over 22 years of experience spanning the high-intensity world of FMCG sales in Delhi to leading a Rural assets vertical I have built my career on a unique hybrid foundation: 10 years of aggressive Sales growth and 10 years of disciplined Risk Management.Currently, as National Head at IDFC FIRST Bank, I lead a on-roll workforce. My mission is to prove that \"Scale\" and \"Quality\" are not mutually exclusive.My Core Competencies:Scaling up businesses from zero: Leading large team to deliver consistent results across Microfinance, Used Cars, Tractors, CVs, MicroLap, rural Housing loan and Retail Liabilities.The Sales-Risk balancing: Having spent a decade in Risk and a decade in Sales (at ICICI and IDFC FIRST Bank), I specialize in building \"Clean Books\" driving P&L growth that remains resilient across credit cycles.Multi-Product Mastery: A proven track record of scaling diverse verticals, including Asset sales (HL, LAP, TW, Used Cars, tractor loans, rural CV) and Liability growth (CASA & Deposits).Rural Distribution Strategy: Leveraging my FMCG roots to build branch infrastructure across Tier 2 & 3 locations. Scaling up priority sector lending profitablyI am passionate about the \"Bharat\" story and am committed to building financial institutions that are as durable as they are profitable.Let’s connect to discuss Rural Finance, Scaling Teams, or the Future of Banking in India.
Experience
National Head-unnati (Unsecured Loans)
Jun 2024 — Present · Mumbai, IN
Handled rural unsecured products -Individual Loans, JLG Loans, Personal Loans, Rural Cross-sell- Overseeing P&L ownership, strategy, sales, collections & compliance for rural unsecured loans- Driving process adherence, fraud prevention and Operational risk mitigation.
Education
Navyug School
High School, Science & Mathematics
Xavier Institute of Management(XIM Bhubaneswar)
PGDRM
Delhi University
B.Sc. Honours, Chemistry
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