• Supervising end to end application flow which includes, frontend sourcing management, scorecard management and credit underwriting management.• Portfolio analysis and management, which includes portfolio monitoring, root cause analysis of NPA, scorecard performance measurement, credit/sourcing quality maintenance.• Policy initiation by market study and competition mapping.• Credit underwriting for non-retail business and working capital proposals.• Strategize to support… Show more • Supervising end to end application flow which includes, frontend sourcing management, scorecard management and credit underwriting management.• Portfolio analysis and management, which includes portfolio monitoring, root cause analysis of NPA, scorecard performance measurement, credit/sourcing quality maintenance.• Policy initiation by market study and competition mapping.• Credit underwriting for non-retail business and working capital proposals.• Strategize to support business across various segments, locations and channels.Achievements:• Instrumental in setting up of a new business for the company. • Designed and implemented dealer classification model, which helped in offsetting risk cost and origination of good portfolio from dealers.• Being the second employee in Agri finance department have contributed significantly to the development of software/ Scorecard, processes, systems, recruitment of team, commencement of business across 16 states, ensuring process adherence and training of the team. Show less

• Identification of new business segments & initiation of policy changes.• Portfolio analysis, monitoring and management• Business development through bank branches.• Monitoring sources of revenue and departmental costs to achieve budgeted profits.Achievements:• Data mining and study of existing relationships for improving revenue streams.

• Managing pre credit quality check of Personal Loans (PL) & Business loan (BL) proposals.• On time processing of loan applications.• Handling of pre-disbursement activities for PL & BL proposals.• Cross selling Bank products to Personal loan and Business loan clients

• Ensuring compliance of Policies for Commercial Vehicles, Construction Equipments, Farm Equipment Business and Business loans.• Credit appraisal and approval of proposals.• Periodical review of portfolio, credit quality and processes for the above portfolios.

• Business Development in Automobiles, Commercial vehicles and Construction equipments business.• Approval and vetting of proposals.• Overall management of the state.