Naveen Gupta

About Naveen Gupta

A successful Sales and Marketing professional with over 20 years of experience in Retail Lending and currently catering to women borrowers in Bharat, as a part of micro finance industry. Worked on Retail Assets strategy for HDFC Bank and managed the Profit & Loss for a crore Mortgages Book. Presently, as Zonal Business Head since 2019, have grown the banks crore Micro Finance book by 50% in 2023. The new sourcing since Covid, has a 99.5% collection efficiency. In my view, even though financial services sector is hugely regulated from lending to recovery to data protection laws, a new entrant can disrupt the financial super market model by making use of the entire India stack (Aadhaar, e sign, eKYC, UPI, ONDC and the account aggregator framework) to build speed to market & scale. Thereby fulfilling financial needs of a large section of the indian economy mainly in the informal and underserved sectors, using cost effective digital first approach.

Experience

1. Senior Vice President - Ii & Zonal Business Head, Micro Finance

   HDFC Bank

   Jul 2019 — Present · Mumbai, IN

   A successful Sales and Marketing professional with over 20 years of experience in Retail Lending. Worked on Retail Assets strategy for HDFC Bank and managed the Profit & Loss for a crore Mortgages Book. Presently, as Zonal Business Head since 2019, have grown the banks crore Micro Finance book by 15% in 2021, with a team of over The new sourcing since Covid, has a 99% collection efficiency. As a manager of large sales team, I have always ensured that my team is closely aligned with the bank’s overall strategy and accordingly have provided active support across levels, to scale up numbers while drawing synergies from various businesses and stakeholders. As a zone, we drive 50% more profitability, however, realising the need of the bank to build top line, we drove the Q4 targets by breaking them down into the simplest form, thereby disbursing INR 915 cr (102% achievement). I am a strong believer of Driving Change & as the Head of Analytical Campaigns for Credit Cards, I launched over 300 targeted campaigns during Oct to Dec 2005. These campaigns identified 18 specific actionable segments, by breaking down our 2.5 million credit card customers then; thereby playing a pivotal role in sowing seeds for the longstanding “test and grow” culture in the bank.

Education

• Shri Ram College of Commerce

  Bachelor of Commerce (B.Com.)

  1990 — 1993

• Jamnalal Bajaj Institute of Management Studies

  MBA

  1994 — 1996