KKG

KAMAL KRISHNA GOGOI

Regional Business Manager

https://talent.gravityer.com/kamal-krishna-gogoi

Regional Business Manager with 10+ years in NBFC & Vehicle Finance Operations

Key Strengths

Extensive experience (15+ years) in Vehicle Finance, Collections, Business Development, and P&L Management.
Proven track record of P&L accountability and achieving targets in sales and collections.
Strong leadership and mentoring skills, managing large teams and multiple branches.
Expertise in delinquency control, NPA management, legal actions, and repossession.
Demonstrated ability to drive market share expansion and cross-sell initiatives.
Consistent achievement of top rankings for lowest delinquency and highest profit/cross-sell income.

Cultural & Operational Fit

Cultural Fit Analysis

The candidate has a long tenure (over 10 years) with Cholamandalam Investment & Finance Co. Ltd., showing loyalty and adaptability within a single organizational culture. Their progressive roles within the same company, from Area Receivables Manager to Regional Business Manager, indicate a strong cultural alignment and ability to grow within a structured financial services environment. The experience across various verticals (CAR, MUV, Two-Wheeler, Three-Wheeler, Refinance) and regions (Upper Assam, Arunachal Pradesh) demonstrates versatility and a broad understanding of the business landscape. The candidate's consistent achievement of top performance metrics suggests a strong drive for results and a competitive spirit, which would fit well in a performance-driven culture.

Soft Skills & Operational Fit

The candidate demonstrates strong leadership, team management, and strategic planning skills through their progressive roles. Their experience in micro-managing delinquency, mentoring underperforming teams, and managing dealer relationships indicates a hands-on and results-oriented operational fit. The focus on P&L optimization, sales analytics, and continuous improvement aligns with senior management expectations. The candidate's ability to handle legal tools and NPA accounts also points to strong problem-solving and risk management capabilities.

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About

Results-driven financial services leader with 15+ years of progressive experience in Vehicle Finance, Collections, Business Development, and P&L Management across North-East India. Currently serving as Regional Business Manager at Cholamandalam Investment & Finance Co. Ltd., overseeing business and collections operations across Upper Assam and Arunachal Pradesh. Consistent PAN INDIA #1 ranking for Lowest Delinquency (Area-wise). Awarded for Highest Profit, Highest Cross Sell Income, and Lowest NCL across PAN EAST. Seeking a VP / AVP / Senior Leadership role to drive organisational growth at scale.

Education

Aarupadai Veedu Inst. of Technology

B.E. (Computer Sc. & Engg.) · Computer Science & Engineering

N/A – June 30, 2011

Anirrudha Devs Jr Science College

12th · Science

N/A – May 31, 2007

Don Bosco School

10th

N/A – May 31, 2005