Chandra Prabhat Email & Phone Number

Muzaffarpur, Br, In

Muzaffarpur, Bihar, India

Highlights :Liaising with local banks in the district for the opening of saving accounts of SHGs & CBOs and for their credit linkage with banks, coordinating with regional offices of banks and Lead District Manager for the smooth functioning of micro finance & banking activities through financial inclusion Facilitating in building capacities of community institutions and its cadres for making better relationship with banks and other financial institutions for getting credit and other financial services (e.g. micro insurance) in more sustainable mannerAppraising & overseeing the credit screening of CBOs & SHG's through their micro planning for disbursement of community investment funds, like initial capitalisation fund, revolving fund, health risk fund, food security fund & livelihood fund on the basis of economic activity & livelihood of prospective SHGs in the loan committee meeting at BPIUs or VOsCoordinating with financial institutions, insurance agencies and other stakeholders (both public and private) for facilitating financial inclusion interventions including micro insurance and other financial servicesFacilitating, supporting and building capacities of district and block team in preparing plan and its implementation strategies for financial inclusion initiatives and activitiesConducting workshops & meeting with bankers for proper co-ordination in filling the gap among CBOs, SHGs & banks for financial inclusion & active participation in DLCC meeting for banking issues & possible solutionCoordinating with State Project Management Unit & Block Project Implementation Unit for achievement of annual action plan target for financial inclusion of SHGs formed in the whole district, by acting as a bridge among different branches of Banks, CBOs and SHGs in the district

Koderma, Dumka

CORE COMPETENCIES• Appraised & overseen the credit screening of rural & agricultural loan proposals, mainly micro finance, on the basis of economic activity and livelihood of prospective customers• Administered the complete credit operations encompassing verification of documents, coordinated with different teams on the disbursement exercise for all sanctioned micro finance loans• Ensured compliance with corporate credit policies & norms of company, RBI & other regulatory guidelines Highlights:• Implemented a marketing strategy, in which product comparisons among competitors like repayment structure, interest rate, insurance, Agbds etc have done which had resulted in increased customer base by 21%• Led the sales team in the generation of quality business in catchment areas; executed assignments related to training and knowledge up gradation of the business and credit team • Implemented aggressive marketing strategies and plans to ensure asset & liability products' daily sales, service, and marketing goals were met • Played a key role in suggesting appropriate pricing on the basis of risk return framework along with stipulating/negotiating various terms and conditions for the loan facilities to be sanctioned• Facilitated a detail credit analysis through an independent and robust credit appraisal process; generated approval notes for sanction of loans through unit loan committee• Effectively ensured profitability with balance in risk and return; successfully recovered secured and unsecured loans within stipulated timelines• Participated & conducted various village meetings with prospective clients like village leaders, women, farmers, SHGs & JLGs for promoting & providing financial inclusion services & technical assistance in an integrated manner• Taken care of leading delinquent accounts, planning for recovery, effectuating risk policies, managed risk and implemented mechanisms to mitigate the same

Noida Area, India

 Ensured maximum sales of financial liabilities products like insurance, mutual funds.  Driven sales force for revenue generation & profit maximization. Met prospective clients, convinced them and converted them into our clients. Achieved business targets and maintained & retained the client base. Maintained customer relations and cross-sold liabilities products. Handled & motivated a team of Relationship Officers for target sales.

Master Of Business Administration (M.B.A.), Marketing, Finance, 71

Activities and Societies: Project completion through summer training at Standard Chartered Bank, Gurgaon. Won the First Prize for the Quiz.

B.Sc, Botany/Plant Biology, 64

Activities and Societies: Annual Sports Fest at VBU, Hazaribagh.

10+2; Intermediate, Science, 70

Activities and Societies: Won the Second Prize for the Inter - Collegiate Science Exhibition.

10Th; Matriculation, Academics

Activities and Societies: Given GK Test Exams conducted by UNO (United Nations of Organisation) & secured good marks. Took participation.