Prabhjot Singh Luthra Email & Phone Number

• Successfully managed and administered a wide range of loan products, including unsecured loans, group loans, individual loans, and housing improvement loans.• Conducted thorough credit assessments and risk analysis to ensure responsible lending practices and maintain a healthy loan portfolio.• Developed and implemented efficient loan processing procedures, resulting in reduced turnaround times and improved customer satisfaction.• Collaborated with cross-functional teams to design customized loan solutions that catered to individual and group borrowing needs.• Utilized strong analytical skills to evaluate loan applications and determine appropriate loan terms and interest rates.• Maximum Number of Branches Handled are 54, Maximum Portfolio handled is 705cr. Maximum Team Size handled is 11 Area Managers, 54 Banking Unit Managers and 320 Relationship officers.• Developed in-depth understanding of the business environment in Gujarat and the distinct characteristics of the 12 districts in Madhya Pradesh.• Demonstrated strong leadership in overseeing and maintaining a healthy portfolio by implementing proactive strategies to reduce delinquent accounts.• Analyzed financial data and risk profiles to develop effective recovery plans, resulting in decreased delinquency rates.• Conducted regular performance reviews with branch teams to monitor progress and provide guidance on maintaining a healthy portfolio.• Fostered a culture of compliance and adherence to established credit policies, minimizing the risk of delinquent accounts.• Implemented process improvements and automation to streamline collection efforts, enhancing overall portfolio health. Conceptualizing and implementing sales and collection strategies to achieve targets Of Division• Managing Internal Process and Audit Compliance

Listed skills include Powerpoint, Customer Contact, Customer Relations, Sales, and 16 others.