Looking Entire Jharkhand location Sales Secured , unsecured and Machinery Loan product

PL and BL unsecured Loan

•To drive achievement of sales targets by sourcing business and coordinating with internal teams to process the cases (LAP, BL & PL).•Handling a Channel & DSA and sales team of Jharkhand location. •Coordinate & Training with our Referral Partner and DSA and other channel partner for sourcing business. •Interact with customers to develop an understanding of their needs and collaborate with internal teams to meet their expectation adhering Utkarsh Bank norms/ policies.•Interact with each of the customers to assess their profile.

• To drive achievement of sales targets by sourcing business and coordinating with internal teams to process the cases (home loans, mortgages, TCPM, Insurance, fixed deposits, embedded products etc.• Handling a sales team of Ranchi branch. • Coordinate & Training with our Referral Partner and DSA and other channel partner for sourcing business. • Build and maintain relationships with corporate arrangements, developers, real estate agents, established societies, referral sources to drive business by constant interactions to explore current and future business opportunity for various products of DHFL (Home loans, Mortgages, Fixed deposits, TCPM, Insurance, Embedded products etc.)• Interact with customers to develop an understanding of their needs and collaborate with internal teams to meet their expectation adhering DHFL norms/ policies.• Interact with each of the customers to assess their profile. • Coordinate and interact with internal teams to drive the processing of loan/products adhering to DHFL policy and procedures.

Branch Head (Sales) PL and BL- UNSECURED Loan Ranchi, Jharkhand • To drive achievement of sales targets by sourcing business and coordinating with internal teams to process the cases (Personal Loan salaried + self employed).• Handling a sales team of Ranchi branch. (8 sales manager under my direct supervision) • Coordinate & Training with our Referral Partner and DSA and other channel partner for sourcing business. • Weekly visit of DSA’s and our other channel partner related to business development.• Interact with customers to develop an understanding of their needs and collaborate with internal teams to meet their expectation adhering Fullerton India norms/ policies.• Interact with each of the customers to assess their profile. • Coordinate and interact with internal teams to drive the processing of loan/products adhering to Fullerton India policy and procedures.• Coordinating with support function for appropriate and timely support to branches.• Managing huge workforce and keep them motivated towards work.• Manpower Planning and Recruitment.

•Approval Right – 25000 to 20 Lakh – All products(STPL Loan, Microfinance Loan) Rural Business (pm)•Carrying out the responsibility to handled People Management, including all HR related issues, as well as staff development.•Provides leadership to personnel through effective objective setting, delegation, and communication. Conducts staff meetings as required and informs personnel of policy and procedure changes. Discusses areas needing improvement.•Meeting with Area Credit Head and Credit Manger monthly basis.•Coordination with Regional Sales and Collection Mangers.•Field Visit as per requirement.•Verifying the payment history of the customer and acting as mentor for New joined associates.

SHUBHAM HOUSING FINANCE LTD (Housing Finance) November 2013 – Till date.Area Credit Manager (Home Loan and Home Improvement Loan) Jharkhand• Lending authority; performs and assists with approvals and denials of home loan underwriting.• Handling a team (Credit Team) under my direct supervision all branch in Jharkhand East Zone (4 branch)• Carrying out the responsibility to handled People Management, including all HR related issues, as well as staff development.• Provides leadership to personnel through effective objective setting, delegation, and communication. Conducts staff meetings as required and informs personnel of policy and procedure changes. Discusses areas needing improvement.• Planning, organizing, and directing Home Lending activities including production, underwriting, servicing, loss mitigation, budgeting and accounting processes. Ensures that loan servicing operations are in accordance with established regulations, policies, procedures, and legal requirements, and result in maximum volume, appropriate profit, and minimum delinquency ratios.

MANSAR FINANCE LTD- NBFC (Financial Sector- Home Loan, Two Wheeler Loan, Auto Loan, Consumer Loan, Personal Loan, Agriculture Loan, Business Loan), Ranchi, Jharkhand April 2013 – 18th Nov 2013.Assistant Credit Manager• Approval and disbursement of Two Wheeler Loan, Auto Loan, Consumer Loan, Personal Loan, Agriculture Loan, Home Loan & Business Loan)• Handling a team (Credit Team) under my direct supervision.• Carrying out the responsibility to handled People Management, including all HR related issues, as well as staff development.• Monitors the application of loan accounting system in all branches and ensures that loan accounts balance, commissions and interest are properly calculated. • Submits monthly credit statistics and reports to the CEO. • Submits quarterly reports to CEO on overall lending performance.• Regularly inspects the credit departments in branches. • Performs other duties that may be assigned from time to time.

KSRA (Financial and Social Sector), Ranchi, Jharkhand July 2009 – 31st March 2013.Assistant Credit Manager (Two-wheeler Loan, Home Improvement Loan, Agriculture Loan)• Associated with Indian Bank Loan Department (MFI) for financial support & UNICEF for social Project; managing and maintain computerized records of Funding Agencies. • Carrying out the projects related to SHGs (Self Help Group Project through Indian Bank, UNICEF - Health Project for women and Child).• Managing customer credit files and application of late fees; handling the responsibilities pertaining to Two-wheeler Loan, Home Improvement Loan, Agriculture Loan & SHGs Loan department and personally investigating the largest customer credit applications.• Accountable for approval and Loan Disbursement activity in Self Help Group members through Indian Bank (Microfinance); having Approval Right and Disbursement Right Rs. 4.5 Crore per year.• Handling a team of 17 members (office staff) under my direct supervision; providing accurate and timely information as required for Funding Agencies $ Head office management.• Holding regular meetings with Head Office Executive and Branch Office Executive as required related to work; supervising and coach Branch Operation Officer on a weekly basis.• Providing support to any operational work as required in Branch office or Head Office; looking disbursement of checks for agency expenses.

FAMILY CREDIT LTD (France based Finance sector- subsidiary of L&T Finance) Kalkaji, New Delhi 10th Jan. 2008 - May 2009Credit Senior Processor (Officer)• Successfully managed the Loan Disbursement Activity for Two Wheeler, Auto Loan (Used and New), STPL Loan, Home Loan and Personal Loan; handled checking of all post docks file before disbursement.• Led a team of 5 Credit Executive in my direct supervision in Credit Department.• Looked after the Loan Approval Activity under L-1 Right (Home Loan, Two Wheeler, STPL Loan, Personal Loan, and Auto Loan used and new); updated Insurance, Invoice and RC in Finnone.• Prepared & monitored staffing assignments consistent with volumes and programs to assure maximum productivity at all times; handled Cheque/PDC/ECS update in Finnone.• Involved in generation & compilation MIS of All Customer Service Process; knowledge of Banking/Finance Software CAS, FINNONE, FINNACLE, FCRM Customer request Management.

ICICI BANK LIMITED, New Delhi 4th Jan. 2006 - 3rd Jan. 2008Senior Processor (Home Loan Department)Core Area: Retail Banking Operation• Managed a team of associates to perform the operation part for pan India Customer Service, Address Change, Home Loans, Two-wheeler Loan, Personal Loan, STPL Loan North India Swap Updation, Home Loans and Customer Loans; knowledge of Banking Software FINNONE & FINNACLE Customer request Management.• Handled the responsibilities of (FCRM) and MIS generation & Compilation of all customer service process.• Prepared & monitored staffing assignments with volumes and programs to ensure maximum productivity at all times.• Trained & nurtured the new hires for the process to deliver error free performance.

TATA AIG Life Insurance Company Ltd., New Delhi Feb. 2005 – Dec. 2005Sales Officer• Was involved in the sale of Insurance Product; established healthy business relations with clients for securing repeat business & long term customer loyalty and worked towards solving their queries and complaints efficiently.• Maintained monthly MIS; coordinated with the senior management over the required data to generate more sales plan & set new bench marks as an individual as well as a team.