Jan Ranjan Patel

About Me

Hi, I’m Jan Ranjan Patel.

I am a seasoned professional with over 5+ years of experience in Commercial Vehicle (CV) Financing, Collections, and Branch Operations, currently working in a leadership role within the NBFC sector.

My expertise lies in:

• Building strong collection systems

• Understanding customer behavior at ground level

• Improving portfolio performance through practical strategies

Beyond my corporate role, I am also a startup builder, working on ventures like DavaExpress, LegalMitraAI, DrCharak Swasthyam AI & AgentixAI focused on solving real-world problems using technology and execution.

I believe: “Execution at ground level is the real differentiator in financial services.”

Insightful guidance that drives results.

Suraj

"

Professional Experience

EXPERTISE (WHAT I SOLVE)

CV Financing Strategy

• Customer segmentation (Fleet, Retail, FTU)

• Asset mix optimization (New vs Used)

• Yield vs risk balancing

Collections Optimization

• Bucket-wise collection strategies

• Roll-forward reduction

• Agency vs in-house models

Underwriting & Risk Insights

• Practical credit assessment models

• Income surrogate evaluation

• Risk-based pricing strategy

Branch Productivity Improvement

• Team performance optimization

• File productivity benchmarks

• Ground-level execution frameworks

Skills

• Regional Product Management

• Team Handling & Leadership

• Sales Strategy & Expansion

• Vehicle / LAP / Business Loans

• MIS & Reporting

• Advanced Excel & PowerPoint

• Power BI & Analytics

• Meta Performance Marketing

• Process & Sales Automation

• Rural & Urban Market Penetration

Call to Action

Let’s Build Scalable, Impact-Driven Growth

Open to leadership roles, advisory opportunities, and strategic collaborations.

• Managed ₹20+ lakh performance marketing spend on Meta platforms

• Built ROI-focused digital acquisition funnels aligned with lending products

• Executed offline rural outreach programs, including door-to-door campaigns

• Integrated digital + field sales models for wider customer penetration

DIGITAL & OMNI-CHANNEL GROWTH EXPERIENCE

My Expertise

Driving scalable growth through finance leadership, analytics, and performance marketing.

Financial Services & Lending Expertise

9+ years of hands-on experience in Vehicle Loan, LAP, and Business Loan sales, collections, portfolio management, and regional performance optimization across urban and rural markets.

Performance Marketing & Acquisition

Proven expertise in Meta performance marketing with ₹20+ lakh ad spend, driving ROI-focused digital acquisition combined with rural and semi-urban market penetration.

Specialized in sales automation, strategic product placement, and scalable growth models. Founder and investor experience with a strong focus on efficiency and long-term value creation.

Business Growth & Strategic Investment

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