Prafulla Salunkhe
Product Head Personal Loan (Xsell) @IDFC FIRST Bank
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WORK HISTORY
Product Head Personal Loan (Xsell) @IDFC FIRST Bank
EDUCATION
COEP Technological University
Bachelor of Technology (B.Tech.), Mechanical Engineering
Indian Institute of Management Mumbai
Master of Business Administration (M.B.A.), Business Administration and Management, General
ABOUT PRAFULLA SALUNKHE
Proven banking and fintech leader with 12+ years of experience driving digital transformation, profitability, and customer-centric product innovation across leading Indian financial institutions. Known for architecting data-driven strategies and launching industry-first products that deliver measurable and sustainable business impact.In my current role as Product Head – Personal Loans (ETB Customers) at IDFC FIRST Bank, I lead one of the fastest-growing PL portfolios with a strong focus on digital enablement, efficient distribution, and advanced risk analytics.Key Achievements Growth LeadershipDelivered 15%+ CAGR in disbursals over five years through analytics-driven strategies—propensity modeling, hyper-personalized communication, and channel optimization.Scaled AUM at 15%+ CAGR while expanding PAT by 40%+, balancing strong growth with disciplined cost and risk management. Distribution & Sales TransformationLead channel management for a 1,200+ person ground sales force, driving 50%+ productivity gains via digitized sales journeys and data-driven performance frameworks.Designed KPI-linked rewards & recognition programs, keeping attrition ≤20% while boosting engagement and capability development. Customer-Centric Digital InnovationOrchestrated fully digital PL journeys—98% of applications processed end-to-end digitally, significantly improving TAT and customer experience.Before joining IDFC FIRST Bank, I held leadership roles at Fullerton India Credit Company Ltd.(AVP – Digital Finance) and IIFL (Senior Manager – Digital Strategy), where I led digital lending transformation, built national distribution and segment strategies, and scaled retail and digital PL businesses. This unique blend of frontline sales, channel ownership, and digital product leadership enables me to connect strategy with execution and deliver consistent value for customers and stakeholders.Passionate about shaping the next era of retail lending. If you\'re exploring transformational ideas or leadership for your next growth horizon, let’s connect.
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