Niraj Lal

Niraj Lal Email and Phone Number

Corporate Finance |Dealer & Channel financing| Lending to MFIs | Agri Business-Marketing & Value Chain | Trainer-FPO | CSR | Farm & Non Farm Livelihood Projects @ HDFC Bank
bombay, maharashtra, india
Niraj Lal's Location
Lucknow, Uttar Pradesh, India, India
Niraj Lal's Contact Details

Niraj Lal personal email

About Niraj Lal

Uniqueness about my profile: A complete professional with in-depth experience in SME financing, Microfinance, Livelihoods, and CSR implementation with high credentials and various achievements/successful stories during career path. A systematic, organized and committed professional with an analytical bent of mind and excellent credentials. I qualified master of rural development with 17 years of career success across SME finance, Microfinance, livelihoods, Agri-Lending, Agribusiness (Procurement & Marketing of agri-commodities), implementing CSR(Corporate Social Responsibility) projects, Institution building etc. Currently I am working with Ananya Finance and looking after North Region. Clients varying from refineries, edible and essential oil processors, manufacturers, traders, poultries, solar, etc. 10 years of experience in NGO/Govt/CSR project implementation and 6 Years of experience in NBFC in financial services in SME and MFI lending.Experience Areas:1. Credit Appraisal, Credit Proposal Note, Financial analysis, due diligence and monitoring of partners, Prospecting clients, Coordination with various department engaged in loan disbursement and collection, FPO and MFI training and Capacity building, Project design etc.2. Launched cashless collection at different branches, monitor and support operation team at different branches3. - Large Team Handling- Multiple donor project implementation (including Digital Green, IFC, SIDBI, SFAC, NABARD, Solidaridad , SDTT, Trehan Foundation, State Agriculture department, Forest department-MP etc. - Report writing & Liasioning- Execution on management functions related to project like staff hiring, marketing commodities, financial budgeting reporting4. - Organic Certification and marketing of cotton and Soybean- Procurement and ginning of cotton- Direct dealing with buyers- Logistic and supply chain management - Monitoring & Due diligence of NGOs- Coordinated with DRDA across all districts- Organized various SARAS fair at Dehradun and coordinated across all the states

Niraj Lal's Current Company Details
HDFC Bank

Hdfc Bank

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Corporate Finance |Dealer & Channel financing| Lending to MFIs | Agri Business-Marketing & Value Chain | Trainer-FPO | CSR | Farm & Non Farm Livelihood Projects
bombay, maharashtra, india
Website:
hdfcbank.com
Employees:
101165
Niraj Lal Work Experience Details
  • Hdfc Bank
    Sr Manager Business Development
    Hdfc Bank May 2023 - Present
    Lucknow, Uttar Pradesh, India
    Joined HDFC Bank in May 2023 after working around 17 years with different organizations like NGOs, Govt, CSR and NBFC.
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  • Ananya Finance For Inclusive Growth Private Limited
    Associate Vice President -Sme Finance
    Ananya Finance For Inclusive Growth Private Limited Apr 2022 - Jun 2022
    Lucknow
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  • Ananya Finance For Inclusive Growth Pvt. Ltd.
    Regional Manager/Relationship Manager
    Ananya Finance For Inclusive Growth Pvt. Ltd. Nov 2016 - Mar 2022
    Ahmedabad Area, India
    1. Manage Agri and MSME clients for Lending relations. 2. Handling portfolio of more than 20Cr and more than 10 clients (All these clients are involved in Agribusiness)- managing currently. FPO(Farmer producer organizations) lending on priority. 3. Managed working capital loan for small to big sized SMEs working in Agri space4. Credit appraisal and underwriting, financial analysis, and credit proposal note preparation5. Due diligence and monitoring of partners 6. Credit proposal writing and coordination for loan disbursement to clients and Repayment7. Credit appraisal and analysis of financials of a partner organization8. Drafting sanction letter, incorporating lending terms and conditions9. Negotiating and convincing partner on lending terms10. Helping in operation, training, and capacity building11. Relation managed with SIDBI and IFC for project implementation. 12. Managed Lending relations with MFIs (more than 12 MFIs located in the North region of INDIA)and handled 60 Cr portfolio in the year 2018In the Year2016- 2018 practiced the following activities under the Microfinance verticals of Ananya Finance1. Monitoring and due diligence of MFIs(Micro Finance Company)2. Keeping track of MFI-Partner’s operations and their financial need3. Preparing Credit Proposal note and discussing in a Credit committee meeting4. Preparing various reports like monitoring reports, Credit proposals, etc.5. Regular field visit of various Micro Finance companies and interaction with their vertical heads and staffs at field operation level. Meeting MFIs clients and try to understand the operation efficiency of MFIs.6. Training to MFIs: Training on microfinance operations to MFIs operation staffs under the SIDBI-PSIG programProject handled at Ananya Finance As Program Manager Capacity building of FPO in India. Imparted training to more than 52 FPO across the four-state of India. Apart from capacity building initiated to link FPO /NGO with Insurance companies.
  • Access Development Services
    Senior Manager-Marketing Specialist
    Access Development Services Apr 2016 - Nov 2016
    Bihar Sharif Area, India
    1. Responsible for building capacity of VRP in dealing with Producer Group and support in marketing2. 155 MT of onion Marketed to institutional buyer and traders. 3. Module design on marketing for PC and VRP 4. Market development and establishing marketing linkage for vegetable commodities5. Linked with institutional buyers, Traders and commission agent6. Manage Agribusiness profile.
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  • Satin Creditcare Network Limited
    Manager Operations- Digital Cash
    Satin Creditcare Network Limited Sep 2015 - May 2016
    Patna
    1. Worked in coordination with ITZ cash.2. Supported in identifying retailers and executing payment through these retailers3. Imparting training at Branch level staff (including CSO) in digital cash transaction4. Ensure digital cash operation gets initiated in targeted branch5. Meeting with clients and aware them about Digital Cash.6. Monitoring SHG -financial linkages program
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  • Technoserve
    Project Manager
    Technoserve Apr 2014 - Sep 2015
    Bhopal Area, India
    Technical services to Farmers Producer Company.1. Responsible for state operations as a team leader and handling team of four professionals in a project being implemented by TECHNOSERVE in MP.2. Implementation of CSR project being supported by Syngenta- a MNC.3. Providing technical support (Training on Business plan, BP implementation, Capacity building of BoD, Backward and forward linkages)to three Farmers Producer Company formed under DPIP/MPRLP.4. Working closely with MP-DPIP/NRLM5. Linkages of Producers Company with Financial Institutions, Market (Backward and forward linkages) and other knowledge based agencies.6. Imparting training to Management and BoD of Producers Company.7. Writing proposal and Donor Report and liasioning. 8. Business Plan development and implementation9. Capacity building of management and BoD of Farmers Producers Company10. Team Management and other administrative work handling11. worked under CSR funded project- Kellogg Fundation, Syngenta and SDTT/SRTT
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  • Access Development Services
    Manager-Livelihood
    Access Development Services Apr 2011 - Apr 2014
    Bhopal
    • As a manager Livelihood Implemented various projects details are given below1. World Bank-Development market Place: Impact on 4000 small and marginal farmers2. UNDP-GEF and MP forest department's SME (Small Medium Enterprises) development program4. UNDP-GEF and MP forest department's TNA (Training need assessment) program.5. NABARD's 354 Farmers Club formation. 6. Digital Green's Agricultural Extension. (Managed implementation of ICT based project in MP under ACCESS with 8400 farmers) 7. Small farmers Agribusiness ConsortiumSFAC): Implemented this project with 7200 farmers and registered six Producer Company in MP.8. Responsible Soybean Practices, Funded by Solidaridad: Disseminated GAP among 1200 farmers and enhanced productivity of soybean9. Managed a project on Socio economic development through collective approach in Uttrakhand. Activated Farmers cooperative.• Linking farmers producer company with Financial institutions , markets and input supliers.• Establishing proper market linkages and promoted new non-farm micro-enterprises, sustainable livelihoods interventions.• Procurement of soybean, vegetables and other agri commoditites.• Maintaining close cordial relations with government departments, donor agencies and non government organizations at the state level to ensure smooth implementation of on-going livelihoods programmes and for mobilizing resources from the government.• Ensuring better operations & providing consistency in delivering service, excelling benchmarked service levels. Performing the task of resource mobilization for different parties.• Accountable for recruiting, training and development of support staff ensuring that they contribute effectively to the project and become effective leaders in the organization.• Strengthening farmers producer company and linking with mainstream markets. • Actively involved in business planning & analysis to assess revenue potential in business opportunities.
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  • Access Development Services
    Senior Project Coordinator
    Access Development Services Apr 2008 - Mar 2011
    Institution building and team management for social development projects
  • Chetna Organic Farmers Association
    State Marketing Officer-Maharashtra
    Chetna Organic Farmers Association Sep 2007 - Mar 2008
    Marketing of Orgnic Cotton, Processing Raw Cotton, and Marketing of Oil Seeds of Cotton and non Cotton Crops(Soya Bean,Pulses etc.)
  • Uttrakhand Rural Dev. Department- Pmu
    Project Management Officer
    Uttrakhand Rural Dev. Department- Pmu Aug 2005 - Sep 2007
    Marketing of SHG products, Monitoring & Evaluation, Events Management, Workshop orgnizing etc.

Niraj Lal Skills

Corporate Social Responsibility Ngos Livelihood Agribusiness Project Management Proposal Writing Leadership Strategic Planning Non Governmental Organizations Project Planning Rural Development Capacity Building Community Development Agriculture Research

Niraj Lal Education Details

  • Coady International Institute
    Coady International Institute
    Agribusiness/Agricultural Business Operations
  • University Of Allahabad
    University Of Allahabad
    Mba Rural Development
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  • Cms School, Bhagalpur
    Cms School, Bhagalpur
    Matriulation

Frequently Asked Questions about Niraj Lal

What company does Niraj Lal work for?

Niraj Lal works for Hdfc Bank

What is Niraj Lal's role at the current company?

Niraj Lal's current role is Corporate Finance |Dealer & Channel financing| Lending to MFIs | Agri Business-Marketing & Value Chain | Trainer-FPO | CSR | Farm & Non Farm Livelihood Projects.

What is Niraj Lal's email address?

Niraj Lal's email address is ni****@****ail.com

What schools did Niraj Lal attend?

Niraj Lal attended Coady International Institute, University Of Allahabad, Cms School, Bhagalpur.

What skills is Niraj Lal known for?

Niraj Lal has skills like Corporate Social Responsibility, Ngos, Livelihood, Agribusiness, Project Management, Proposal Writing, Leadership, Strategic Planning, Non Governmental Organizations, Project Planning, Rural Development, Capacity Building.

Who are Niraj Lal's colleagues?

Niraj Lal's colleagues are Tarkeshwar Kushwaha, Gulshan Sharma, Marilyn Antao, Jayesh Agrawal, Hariom Yadav, Satheesh Tawker, Abdeali Bohra.

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