Ashwani Saini
Annandale,VA
Summary
Professionally driven financial services and retail operations leader with over 12 years of experience owning and managing a bank-affiliated lending franchise, leading people teams, and delivering strong business results through client-focused service, operational excellence, and performance management. Proven ability to manage client traffic, coach and develop employees, execute organizational priorities, and ensure compliance with policies and regulations. Demonstrated success in creating world-class client experiences, driving client retention, and leading teams in fast-paced environments aligned with business and customer goals.
Overview
21
21
years of professional experience
Work History
Online Business Owner / Sales Manager
E-commerce
Annandale, VA
03.2019 - Current
- Own and operate an online retail business specializing in home goods, décor, and personal accessories.
- Manage customer engagement, order fulfillment, issue resolution, and repeat-customer retention.
- Monitor sales performance and customer trends to drive continuous improvement.
- Apply strong time management and prioritization skills to manage multiple responsibilities.
Store Manager of Operations
Liquor Store
, MD
03.2018 - 01.2019
- Managed daily retail operations including staffing, scheduling, inventory, and customer service.
- Led and coached a team of 4 employees, ensuring service quality, accountability, and operational compliance.
- Created a positive customer experience that increased repeat business and loyalty.
- Ensured adherence to company policies, procedures, and state regulations.
Financial Services Business Owner (Concurrent)
Independent Finance Ownership
Amritsar, IN
01.2005 - 01.2018
- Owned and managed a financial services business providing auto, personal, and mortgage financing solutions.
- Delivered needs-based solutions while following established processes and compliance guidelines.
- Managed complex client situations independently and collaborated with partners when needed.
- Maintained long-term client relationships through trust, transparency, and consistent follow-up.
Franchise Owner & Head of Lending Operations
HDFC Bank & ICICI Bank (Auto Loan Franchise)
Amritsar, IN
01.2005 - 01.2018
- Owned and operated a bank-affiliated auto loan franchise, with full responsibility for lending operations, sales performance, staffing, and client experience.
- Led and managed people teams of up to 8 employees, providing coaching, performance management, and accountability to achieve business goals.
- Managed daily client traffic, engaged clients, and ensured efficient service delivery aligned with a world-class client experience.
- Identified client financial needs and delivered appropriate lending solutions that improved clients’ financial outcomes.
- Drove business results through structured management routines, coaching, and performance tracking.
- Ensured strict adherence to policies, procedures, regulatory requirements, and risk management standards.
- Built strong, long-term client relationships resulting in high retention, repeat business, and referrals.
- Executed market-level initiatives in partnership with banking leadership to improve overall performance.
Education
Bachelor of Arts - History
B.B.K. DAV College
Amritsar03-2001
Skills
Financial Center & Business Operations
- Financial center–style operations management
- Lending operations oversight and execution
- Sales performance management and business results
- Risk management, compliance, and internal controls
- Operational excellence and process adherence
Leadership & Team Management
- People, leadership, and staff development
- Coaching, performance feedback, and accountability
- Talent development and onboarding
- Inclusive leadership and collaboration'
Client Experience & Sales
- Client engagement and needs-based solutions
- Client traffic management and service routing
- Customer retention and referral management
- Problem solving and conflict resolution
Execution & Communication
- Prioritization and time management
- Critical thinking and decision-making
- Clear, confident client communication
- Adaptability to new systems and processes
Languages
English
Native/ Bilingual
Hindi
Native/ Bilingual
Punjabi
Native/ Bilingual
Timeline
Online Business Owner / Sales Manager
E-commerce
03.2019 - Current
Store Manager of Operations
Liquor Store
03.2018 - 01.2019
Financial Services Business Owner (Concurrent)
Independent Finance Ownership
01.2005 - 01.2018
Franchise Owner & Head of Lending Operations
HDFC Bank & ICICI Bank (Auto Loan Franchise)
01.2005 - 01.2018
Bachelor of Arts - History
B.B.K. DAV College