Avinash Bharti Email & Phone Number

New Delhi, Delhi, India

Helping client in improving credit availability to skill education sector

Indore, Madhya Pradesh, India

Credit portfolio of INR 400 Crores+ with 27 MSME and C&I clients of various sectors such as Infrastructure, Confectionaries, polymer imports, toy manufacturing, machine manufacturing, plasticizers and packaging· Achieved 100% growth in advances in FY 2020-21 and received certificate of appreciation from Assistant General Manager(AGM) – SME, Indore in FY 2020-21 & 2021-22 and by AGM – Credit, Circle in FY 2021-22· Awarded AAA performance rating for FY 2020-21 & 2021-22 for being among top 10% in cohort· Collected data from the clients and analyzed to process the proposal, assess the credit risk & ratings · Prepared MIS reports for reporting business and operational matters to higher authorities for supervision· Performed due diligence of financial statements and assessed future forecasts for early warning signals· Communicated with promoters/directors & advised on finance & investment including COVID-19 support· Appraised advances on periodicity based on risk profile and compared to industry averages/peers using ratio analysis· Assessed the risk in large exposure based on quarterly financial results and initiated the corrective actions

Shujalpur, Madhya Pradesh, India

- Led Gold loan & personal loan portfolio growth- Worked on increasing footprint of formal banking in rural areas along with the increasing the penetration of digital products of the bank- Worked on awareness of customers towards OTP frauds and expedited the remedial processes.

Gwalior, Madhya Pradesh, India

- Worked on different segment of bank viz. Retail, SME and Agricultural advances. - Handled NRI and HNI business and communication with prime objective of improving overall customer experience and satisfaction.- Led Gold loan & personal loan portfolio growth from March 2019- Responsible for driving growth in digital advances and on-boarding customers to digital platform of the Bank especially in rural areas.

New Delhi, Delhi, India

- Coordinated in team of 15 to implement expansion strategies; facilitated market expansion 8 NCR colleges.- Ideated promotional avenues for 300+companies, increasing user base by 1000 with 30% outreach cost reduction.- Achieved 20% reduction in operational cost & increased transparency in supply chain accountability to sponsors.

Jaipur, Rajasthan, India

- Mechanized filtration assembly to separate biomass from used slurry to suffice the biomass demand for manure.- Assisted in designing gas scrubber to remove carbon dioxide from biogas increasing methane content by 20%

Dual, Biochemical Engineering And Biotechnology

Activities and Societies: Institute Dance Production: Performed in performances of Institute Dance Production, April 2012. NCC: Learnt.

Mba Scholar

Activities and Societies: Worked with team of 6 on Financial Inclusion Startup Idea of blockchain backed lending by community pooled.

Physical Sciences

Activities and Societies: School Captain, 2011: Led school council to organize the annual school festival. State Topper in National.