Hardik Vora Email and Phone Number

·      Increased  total business by 21.11 % by incorporating several quality process improvements within branch.·      Increased MSME Assets by 38.46 % by ·      Increased overall customer base by 15 % with customer service and customer satisfaction ·      Upgraded Branch Risk based Internal assessment from Moderate risk to Low risk·      Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.·      Credit underwriting and credit appraisal of potential borrowers and allocate credit risk grade·      Business Development and lead generation with keeping in mind target allocated under assets and liabilities by HO and dynamics of branch location·      Team Handing, work allocation, staff motivation and supervising day to day operation to achieve overall target·      Controlling operational risk for branch by ensuring adherence to laid down processes & agreed TATs thereby increasing customer satisfaction·      Managing internal / external audit and ensuring compliance with all regulatory & internal guidelinesNPA reduction, SWL management by controlling & achieving financial and non financial parameters

CREDIT RISK ANALYST/MANAGER, RMCR SECTION CO MUMBAICANARA BANK, MUMBAI ·      Credit risk analysis of potential borrowers with exposure of Rs 2.00 Cr and more and allocate credit risk grade·      Credit appraisal of existing borrowers with  exposure of Rs 2.00 Cr and more annually to allocate risk grade for renewal of limits·      Credit risk management of existing borrowers with various risk analysis tools like SAR, CAR, CMA, LCM, MTR etc and suggest risk mitigating actions·      Managing internal / external audit and queries, providing data; ensuring compliance with all regulatory & internal guidelines·      Review credit proposals sanctioned by branches and ensure that bank guidelines and processes are followed·      Follow up with branches for SMA and SWL reduction and prevent NPA

·      Increased total business from Rs 18.00 Cr in Oct, 2018 to Rs 44.00 Cr in June, 2021·      Increased Retail Asset portfolio by ACGR  of 35 % ·      Converted NPA centric Branch to Customer preferred branch in the area·      Reduced NPA % significantly by rigorous follow up and recovery·      Increased customer base by ACGR of 30.00 %·      Team Handing, work allocation, staff motivation and supervising day to day operation to achieve overall target·      Managing internal / external audit and ensuring compliance with all regulatory & internal guidelinesCreated strategies to develop and expand existing customer sales, resulting in increase in annual sales.

·      Credit risk analysis and credit appraisal of potential borrowers with exposure of less than Rs 2.00 Cr and allocate credit risk grade·      Credit appraisal of existing borrowers with  exposure of less than Rs 2.00 Cr annually to allocate risk grade for renewal of limits·      Quarterly and half yearly review of the existing clients and inspection of stocks/book debts·      Managing internal / external audit and ensuring compliance with all regulatory & internal guidelines

·      Credit risk analysis of potential borrowers with exposure of Rs 2.00 Cr and more and allocate credit risk grade ·      Credit appraisal of existing borrowers with  exposure of Rs 2.00 Cr and more annually to allocate risk grade for renewal of limits·      Credit risk management of existing borrowers with various risk analysis tools like SAR, CAR, CMA, LCM, MTR etc and suggest risk mitigating actions·      Managing internal / external audit and queries, providing data; ensuring compliance with all regulatory & internal guidelines·      Review credit proposals sanctioned by branches and ensure that bank guidelines and processes are followedFollow up with branches for SMA and SWL reduction and prevent NPA

·      Supervise day to day banking operation like CASA, term deposits, daily transactions etcEducate the customer for new deposit products & provide appropriate solutions as per their need

·      Supervise day to day banking operation like CASA, term deposits, daily transactions etcEducate the customer for new deposit products & provide appropriate solutions as per their need

VISITING FACULTY ( MANAGEMENT & COMPETITIVE EXAMSFUTURE INNVERSITY & IIMT, AHMEDABAD ·      Taught Consumer & Retail Activation For MBARS Program at Future Innoversity (A Future Group Initiative)·      Taught Retail Management For MBA Program ( Regular) at Idea Institute Of Management & Technology (IIMT)·      Taught Retail Management For MBA Program (Exec) at Idea Institute Of Management & Technology (IIMT)·      Taught Quantitative Aptitude For MBA Program at Reliance NIS Academy, A' bad Campus·      Mentored Students To Crack Competitive Exams like Bank PO, GCET, IELTS, TOEFL, MAT, GRE etc Through Right Knowledge & Right Attitude at Career line & RBE

VISITNG FACULTY ( MANAGEMENT & COMPETITIVE EXAMS)IIMT, FUTURE INNNOVERSITY & UNIVERSITY OF ATLANTA, AHM CAMPUS·      Taught international Marketing & e-Marketing For MBA Program ( Regular) at Idea Institute Of Management & Technology (IIMT)·      Taught E-Marketing & Retail Management For MBA Program ( Executive) at IIMT·      Taught e-Commerce For MCA Program ( Executive) at IIMT·      Taught Quantitative Aptitude For MBA Program at University Of Atlanta (UOFA), A' bad Campus·      Mentored Students For Goal Setting & Self Perception Through" Karma Rekha" Series at Future Innoversity·      Mentored Students To Crack Competitive Exams like Bank PO, GCET, IELTS, TOEFL, MAT, GRE etc Through Right Knowledge & Right Attitude at Career line & RBE

VISITNG FACULTY ( MANAGEMENT & COMPETITIVE EXAMS)|IIMT, CAREER LINE & RBE, AHMEDABAD ·      Taught Brand Management & Marketing Research For MBA Program ( Regular) at Idea Institute Of Management & Technology (IIMT)·      Taught Marketing Management & Retail Management For MBA Program ( Executive) at IIMT·      Taught POM & Research Methodology For MBA Program ( Executive & Regular) at IMA·      Focused & Worked on Holistic Development Of Students For Skills, Attitude & Knowledge Required By Industry·      Mentored Students To Crack Competitive Exams like Bank PO, GCET, IELTS, TOEFL, MAT, GRE etc Through Right Knowledge & Right Attitude at Career line & RBE