• Handled 42 branches with more than 200 staff associated with these branches.• Special assignment had been given to control portfolio in adverse situation and develop system and management recognized the efforts and effectiveness of the implemented strategies.• Managed NPA and bad accounts of bank and move in to positive direction.• Risk mitigation, portfolio Management, decision making and suitable action on staff thus people management.

Managerial Tasks:• Managing & Monitoring microfinance business of 37 branches of Madhya Pradesh and Rajasthan.• Managing Near about 265 Staffs (Including Area Sales Manager, Relationship Manager, MIS & Field Staff) attached to the Branches, including induction, training, deployment and performance appraisal. • Analyzing and acting according to future risks and competition.• Coordination and relationship building with internal as well as external stakeholders.• Compliance and risk mitigation.Portfolio Management:• Managing Portfolio of 115 cr. pertaining to these states.• Managing existing client base with an overall objective to satisfy the needs of clients, keeping in view bank’s goal as well.• Handling a healthy portfolio with minimizing financial threats.• Crisis management in times of need.Business Development Activities:• Identifying new potential area and starting operation in new branches to increase the growth of the company.• Responsible for achieving growth and profit targets for the following business lines as laid down in the Business Plan for the Branches (Meet sales/gross profit targets in line with dashboard)• Ensuring prompt on-time repayments, controlling overdue, and minimizing the level of non-performing assets in the loan portfolio. • Proven track record of driving growth and profit many fold for six States (Chhattisgarh, Orissa, Haryana, MP, Rajasthan and Uttar Pradesh East & West) handled.Client Management:• Achieving a high level of customer satisfaction in the Region, through reduced transaction costs, faster and simpler processing and documentation, and tailoring products to suit the demand profile, among other steps.Other Tasks:• Ensuring maintenance of all books of account related to loans, deposits and other financial transactions in the Regional office and maintenance and safekeeping of all documents, back-ups and records for all financial transactions.

• To Start & Manage Micro finance Business in Uttar Pradesh.• Identify potential Areas for Micro finance Business.• Coordination and Relationship building with different agencies.• Training and Recruitment (Team Building).• Compliance & Risk Mitigation

Portfolio Management, People Management, Risk Management, Administrative Management

Managing operations in seven districts in Uttar Pradesh.Managing operations of 18 branches.Managing over 40000 member base with portfolio of over 35 crores of the company. Managing a team of 6 professionals directly and more then 150 staffs indirectlyMonitoring the quality of portfolio against the political and systemic risk. AchievementsHanding over 65000 member base with portfolio of over 41 crores of the company. Handling operations of four districts.Helped company by identifying and expanding in new region by opening new branches and starting business operations there. Worked towards maintaining a healthy portfolio for the company.Handled crisis situation thus safeguarding my company’s and employees interests.Recruited and effectively handled a team of 160 employees.Have also handled insurance product of the company and the claim process of final settlement.Have also done reporting of 73 branches of Varanasi Regional office.