I specialize in Retail Agri Credit and Underwriting, assessing working capital and term loan proposals for agri-businesses. My expertise includes underwriting for Agri-based firms like Cattle, Dairy related farmers, and Food Processing companies, as well as progressive farmers under Kisan Gold Card, Krishan Shakti. I also handle Agri-based and commercial loans under tractor and group loans under SLI.I evaluate customer creditworthiness through in-depth analysis of financial and… Show more I specialize in Retail Agri Credit and Underwriting, assessing working capital and term loan proposals for agri-businesses. My expertise includes underwriting for Agri-based firms like Cattle, Dairy related farmers, and Food Processing companies, as well as progressive farmers under Kisan Gold Card, Krishan Shakti. I also handle Agri-based and commercial loans under tractor and group loans under SLI.I evaluate customer creditworthiness through in-depth analysis of financial and technical documents during proposal assessments. Additionally, I conduct portfolio analysis to monitor delinquency, losses, and fraud, ensuring the efficiency of operations. Collaboration with cross-functional teams, collection agencies, credit reporting agencies, and the sales department is integral to achieving target delivery.My responsibilities extend to data quality and process management, aligning with corporate credit policies. I conduct on-site visits to clients' farm and business premises to assess credit worthiness. Regular credit review reporting and insights sharing with management on disbursement, recovery, and productivity contribute to strategic decision-making. Show less

Conducting new business development in Agricultural Banking across Gujarat, focusing on FPOs for both Working Capital, CC and Term Loans. Managing a portfolio with an average ticket size of Rs. 10 Lakh and a maximum ticket size of Rs. 2 Cr. per client as per their ability based on policy. Actively engaging in cross-selling Agri Banking products and fostering partnerships with external stakeholders such as Corporates, NGOs, and the state government for FPO business expansion… Show more Conducting new business development in Agricultural Banking across Gujarat, focusing on FPOs for both Working Capital, CC and Term Loans. Managing a portfolio with an average ticket size of Rs. 10 Lakh and a maximum ticket size of Rs. 2 Cr. per client as per their ability based on policy. Actively engaging in cross-selling Agri Banking products and fostering partnerships with external stakeholders such as Corporates, NGOs, and the state government for FPO business expansion. Proactively sourcing new clients to build a high-quality portfolio while leading a geographically operational team of four members. Show less

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