Summary
Overview
Work History
Education
Skills
Leadership Development
Timeline
Generic

Irshad Hussain

BUSINESS HEAD
Faridabad

Summary

Strategic Business Leader with over 15 years of success in scaling NBFC operations, tractor finance, and rural lending in India. Skilled in developing high-performance sales teams, fostering sustainable asset growth, and maintaining zero-NPA portfolios in competitive agricultural and semi-urban markets. Demonstrated expertise in leading pan-India business development, optimizing channel partnerships, and implementing revenue-enhancing cross-sell strategies. Proficient at navigating regulatory frameworks to surpass business targets and manage large regional/national teams for profitable growth in the financial service sectors.

Overview

17
17
years of professional experience
1
1
year of post-secondary education

Work History

National Sales & Collection Head

BAROTA FINANCE LTD
08.2017 - 07.2020
  • Company Overview: 100% subsidiary of Indofarm Equipment Ltd- A leading manufacturer and exporter of Agri equipments. Obtained RBI licence for setting up NBFC in Apr 2017.
  • Joined a start up venture Barota Finance Ltd as a founding member in a role of National Sales and Collections head.
  • Designing of Organizational hierarchy and reporting structure.
  • Setting up team of state heads and executives on PAN India basis who would give a kick start to business and collections.
  • Formulating business strategies & tie ups with various dealers of Indofarm Tractors.
  • Became part of team for setting up credit processes, screens with CEO and National credit head for financing of new & used tractors, implements and Channel funding programs for dealers.
  • Monitoring and review of receivables on monthly basis.
  • Training of manpower on execution of strategies.
  • Identification and Implementation cross sell products like general & life insurance for additional revenue generation.
  • 100% subsidiary of Indofarm Equipment Ltd- A leading manufacturer and exporter of Agri equipments. Obtained RBI licence for setting up NBFC in Apr 2017.
  • Ended closing of FY 18 without a single non performing asset in books.
  • Created AUM of 30 crores as of FY 18 with marginal profit in the very first year of operations.
  • As of month ending Aug 19 AUM stands at Rs 78 crores.
  • Additional revenue generation through cross sell of insurance of Rs 3.5 lacs.
  • Expansion of Business manpower footprint from 55 in Mar 18 to 110 in June 19.

Head Retail Finance – AED (Tractor & Combine Harvester)/Zonal Sales Head North-East

ACTION CONSTRUCTION EQUIPMENT LTD
05.2014 - 08.2017
  • Established Retail Finance Vertical for the ACE brand of tractors & agriculture implements.
  • Established MIS system for effective monitoring of all India retails in ACE tractors.
  • Build relationships with all Financiers & Bankers with a focused approach for higher penetration of finance.
  • Develop and deploy Innovative promotional & retail finances schemes with various financial institutions to accomplish annual sales plan.
  • Maintain a healthy retail finance portfolio by ensuring timely submission of PDD & extending support for collections to the financiers wherever required.
  • Design training modules for sales/dealer staff covering various aspects of finance to equip field force with retail finance tool.
  • Review financer service levels and adopt corrective action plans to solve issues and problems impacting lower service levels finally minimizing the RCT.
  • Monitoring, mentoring & motivating the retail team for effective functioning.
  • Successfully took strategic initiatives & started retail finance operations pan India.
  • Explored & nurtured new tie-ups with financial institutions like Banks/NBFC’s/Govt. bodies for retail finance of entire range of ACE tractors, combine harvesters & other agriculture implements.
  • Reduced all India average retail cycle time by 15 days.
  • Was Awarded “Star performer Award” for 2014-15 performance.

Sr. RSM– Tractor Loans

MAGMA FINCORP LTD
12.2010 - 05.2014
  • Efficiently established & developed Agriculture Finance Portfolio, Sales of Tractor / Farm Equipment’s loans in states of Haryana, Punjab & WUP.
  • Handled team of 3 State heads, 10 Area Sales Managers and 50+ business executives based at different locations.
  • Driving average monthly volume of 700 units amounting to disbursement of 28 cores approx.
  • Planning and achieving disbursement targets in terms of market share and value.
  • Target Allocation and monitoring the performance of team members and ensured that they achieved their individual targets and contributed to achieve Team targets as well.
  • Ensured smooth flow of the processes enabling disbursement of loans very well within the TAT guide lines specified by the company.
  • Successfully selling cross sell products- Life Insurance, General Insurance in order to increase the profitability of the business.
  • Regular training of team members to ensure highest level of efficiency in process operations.
  • Creating and sustaining a dynamic environment to foster development opportunities & motivates high performance amongst Team members.
  • Maintained good relationship with all the major Tractor OEM’S by conducting monthly/quarterly review meets.
  • Conducting competitor analysis by keeping abreast of market trends & achieving market share.
  • Implementing pre/post sales promotional activities for brand building & market development.
  • Since joining my team managed to achieve 100% budgeted business & IRR targets.
  • In a span of 3 years scaled the monthly business numbers from 140 PM to 700+ PM in the assigned region.
  • Joined as a state head in 2010, took 2 functional promotions with addition of 1 state every year.
  • Lead one of the best growing regions with good control over portfolio i.e. PDD & Collection.
  • Was team member of the MSTEP team which constituted of 26 members handpicked by the top management.

Manager

KOTAK MAHINDRA BANK LTD
02.2008 - 12.2010
  • As a LMH for Tractor & Rural auto loan Business, handled Haryana & South Punjab.
  • Managed to scale the monthly business numbers from 60 PM to an average to 350 PM within 1 year of joining.
  • Allocating and managing the business/collection targets for a team size of 30 people comprising of Cluster Heads, Assistant managers & finance Advisors.
  • Planning & Implementation of finance Schemes, Sale Strategies for achieving the monthly business targets.
  • Coordinating with Credit, Collection & Operation departments for faster processing of the tractor loans.
  • Handling various queries of tractor dealers/OEM regarding Dealer payments, customer issues & Dealer Payout etc.
  • Handling the soft collections of non-starter cases.
  • Achieved market leadership in Tractor Funding in the areas of presence.
  • Was Awarded best cluster Head Punjab/Haryana for FY 08-09 & 09-10.

Retail Finance Executive

L&T FINANCE LTD
10.2003 - 02.2008
  • Experience of handling of tractor Dealers of South Haryana/ GT road belt in Haryana, Jaipur region of Rajasthan & districts of South Punjab.
  • Handling soft collections of the funded cases & assisting legal/collection team in Collections of NPA Cases.
  • Successfully launched& established Tractor loan business in Haryana, South Punjab & Rajasthan.
  • Managed annual business worth 18 Crores.
  • Ensured NPAs and delinquency are below 0.5% of SOH as of Mar’07.

Education

Global Senior Leadership Programme - Advanced General Management & Specialization: Chief Operations Officer

Indian Institute of Management Lucknow
LUCKNOW
02.2024 - 02.2025

Skills

  • Business Development and P&L ownership
  • NBFC operations management
  • AUM growth and asset quality control
  • Regulatory and RBI compliance
  • Credit and risk management
  • Strategic market penetration and revenue enhancement
  • Team leadership and cross-functional training
  • Strong communication and interpersonal skills
  • Customer Relationship Management

Leadership Development

Global Senior Leadership Programme, Indian Institute of Management Lucknow, 02/24/24, 02/01/25, Chief Operations Officer

Timeline

Global Senior Leadership Programme - Advanced General Management & Specialization: Chief Operations Officer

Indian Institute of Management Lucknow
02.2024 - 02.2025

National Sales & Collection Head

BAROTA FINANCE LTD
08.2017 - 07.2020

Head Retail Finance – AED (Tractor & Combine Harvester)/Zonal Sales Head North-East

ACTION CONSTRUCTION EQUIPMENT LTD
05.2014 - 08.2017

Sr. RSM– Tractor Loans

MAGMA FINCORP LTD
12.2010 - 05.2014

Manager

KOTAK MAHINDRA BANK LTD
02.2008 - 12.2010

Retail Finance Executive

L&T FINANCE LTD
10.2003 - 02.2008

Similar Profiles

CREATE PROFILE
Irshad HussainBUSINESS HEAD