-Financial Consultant for All kinds of retail loans & Insurance -Tie up with 75 Banks & Financial Institution (NBFC's) for Home loans ,LAP,OD ,CC Limit ,Car Loan,Education loan ,Unsecured business Loans & Personal loans -Financial advisory services -Insurance Solution (Life & General )- Mortgages - Corporate Lending- Developer Funding - Real Estate Advisory

Management Reporting ,Budgeting ,Taxation ,Statutory Compliance ,Loans ,Audit ,Finance & accounts

Budgeting & Fund ManagementFormulating budgets and tracking of variance analysis to determine difference between projected & actual results and implementing corrective actions.Identifying financial trends & Cost saving opportunities Setting up of Budgeting system in Modi Academic International Institute.Managing treasury function involving optimum utilisation of funds.Cash / Fund Flow Management and supervision of day to day Banking operation.Maximising return on investment (ROI)by investment of available fund in best available investment opportunities Continuous Portfolio analysis of fund invested Expense control to meet established target as per Budget Accounts & CostingDesigning and implementing accounting systems & procedures; supervising the timely preparation of statutory books of accounts, financial statements & annual reports. MIS Reports for the Top Management & respective departments in respect of Monthly Profit & Loss Account, Variation with Budgets & tracking of the same Driving Productivity improvement in various areas & controlling of costsEstablishing Costing system in KEI Industries Ltd which helps in identification of actual cost and their pricing which resulted in 35% increase of S.S.Wire thick wire turnover due to price rationalisation. Cost management systems for monitoring various overheads and achieving maximum cost control in operations.Profitability evaluation of departments & Centres Statutory Compliance & AuditingPreparing tax plans and ensuring timely assessment and filing of direct & indirect tax returns in compliance with statutory tax acts.Preparation of annual return for ROC, board notice, segmental reporting and financial reports etc for filing to stock exchanges etc..Conducting annual audits; evaluating internal control systems to highlight shortcomings & implementing necessary recommendations.Preparation of feasibility report for new project

Key Performance AreasCredit proposals & scrutinizing relevant documents before sanctioning / disbursing the credit, ensuring compliance with organizational credit policiesImplementing recovery strategies in case of payment defaults and maintaining quality standards for operational areas by providing services to corporate / individual clientsMaintaining cordial relations with customers. Maximizing customer satisfaction level by on time delivery, monitoring customer complaints, providing efficient services. Handling customer grievances and resolving issues.Managing branch operation & ensuring smooth operation of all the branchManaging marketing and sales operations of financial products like F. D's, Life insurance, Gold, H.N.I A/C, etc Attainments:Significantly contributed toward opening new operations of retail assets service branch with entire responsibility of establishing branch Accredited as the most Productive Manager with month on month highest disbursement figures & won trip to Europe for Maximum achievement of Business CommitmentBagged an award as being the Best BCM month on month for cross selling credit insurance along with the home loan products.Winner of "Cruise to Victory", contest for overseas trip

I was looking after team of around 50 people responsible for Sanctioning & processing of retail loans ,Customer Service,Selling of Insurance & allied product.

Joined as Branch Credit Manager and successfully rose up to the level of Asset operation head

an ISO 9002 Company, a renowned name in the field of Electrical wire & Cable & Stainless Steel Wire, operating in four plants in India engaged in the manufacturing of Power, Control, Instrumentation & Jelly field Cables, Winding & Flexible Wires & Stainless Steel Wires.Key Performance Areas Managed the complete factory accounts involving maintenance of necessary stock records & Excise records of Delhi plant.Supervision of corporate banking operation and cash/ fund flow management.Receivable management through proper follows up with Marketing Personnel & Parties.Involved in discounting of sales and purchase bills from various banks at a low rate of interest.Filling of Excise, TDS, ROC, sales tax returns & export of consignments under excise sealing, issuance of Bond for export of material without payment of duty and redemption of bond and issuance of Sales Tax declaration forms. Appearing & finalising Sales Tax Assessments with Asst. Commissioners.Reduction of procurement Cost of Raw Material by adoption of proper benefits available under Excise & Import and Export Policy.Receivable management through proper follows up with Marketing Personnel & Parties. Attainments:Conversion of dealer's payment system from DD mode to RTGS/ E-banking mode.Introduction of CMS (Cash Management system) services from ING; Implementation of Salary payment from HDFC bank Setting up a Costing and Budgeting System in the organization and established viability proposition of the product by depth analysis.