S R Saini
Area Sales Manager (AVP) – Rural Lending | Banking & Credit Operations Leader | Portfolio Management (₹200 Cr+) | Driving Business Growth & Team Performance
- Role
- Assistant Vice President at YES BANK
- Location
- Kota, RJ, IN
- LinkedIn followers
- 500 followers
About S R Saini
I am a Senior Banking and Rural Lending Professional with over 10+ years of experience across private sector banks, specializing in rural credit operations, portfolio management, sales leadership, and branch performance optimization.Currently working as Area Sales Manager (AVP) – FF Rural Lending at YES Bank, I manage a monthly disbursement portfolio of nearly ₹10 Cr and oversee credit exposure exceeding ₹200 Cr across multiple branches. I lead high-performing field teams, drive sales strategy execution, strengthen portfolio health, and ensure compliance with credit and operational policies.My professional strengths include: Rural Lending (KCC, OD/CC, Progressive Lending) Portfolio Health Management (Recovery, Renewals, Risk Control) Area Sales Leadership & Target Planning Multi-Branch Operations & Cross-Functional Coordination Team Development & Performance Coaching MIS Reporting, Productivity Tracking & Business ForecastingPreviously at Axis Bank, I handled rural lending and CASA business across multiple branches, introduced village-level sourcing channels such as VLE and e-Mitra, and consistently delivered area-level business targets. I was honored with the King of CASA Award (FY 2018–19) and qualified for the International Sales Contest – Quantum Leap 2018.I believe in building sustainable business growth by combining strong field execution, disciplined portfolio management, and people-first leadership. Open to leadership opportunities in Rural Lending | Banking Operations | Area Manager | Cluster Manager | Sales Leadership Roles
Experience
Assistant Vice President
Apr 2024 — Present · Kota, IN
Managing Kota Area Agri Business of Progressive Farmers
Education
Amity School of Insurance, Banking & Actuarial Science
PGDBS, Banking, Corporate, Finance, Insuance and Securities
2014 — 2015
Singhania University
Engineering (Specialization Major: ECE)
Amity University
Post Graduate Diploma in Business Analytics
SKNIE Sikar
10th - 12th, Pcm
2005 — 2008
Singhania University
Bachelor of Technology (B.Tech.), Electronics & Communication Eng.
2008 — 2012
Skills
- Microsoft Office
- Powerpoint
- Microsoft Excel
- Microsoft Word
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