Responsibilities:Business Development 1. Make the plan and execution of Product Promotion activities through by Loan Mela, Canopy, Gram Sabha, Cold Call also use the stage of CSR 2. Visit to Dealers, CA, Agent, Property brokers for Generate the business and assurance of Service (Especially in case of Mortgage, HPN, TW, and CV)3. Identify the potential area for New & Existing branch and start operation 4. Increase the Productivity of Team through by various ways. 5. Generate the business with Product mix (Secured & Unsecured)6. Empanelment of Vendors (Lawyer & Valuer) Risk & Collection Management 1. Maintain the good portfolio quality 2. Increase the collection efficiency 3. NCL Management 4. Reduce the Delayed Payment & PDD5. Control to Non Starter Cases 6. Improve the cashless disbursement and Collection through by NACH & ECS 7. Fully responsible for all feature repossessionCompetency Building:- 1. Training and Certification of All new staffs2. Reduce Attrition of Staffs and Clients 3. Full fill the hiring Gaps 4. Do the activity of business development 5. Analysis the area for CSR activities and SupervisionCredit & Compliance Management:- 1. Manage the TAT of PDs2. Ensure the all feature of PD should be Checked Properly, like Credit bureau, References, Cash flow etc 3. Quality of Valuation (Collateral Assessment)4. Responsible for Execute all rule and regulation according to Company & RBI5. All mandatory compliance documents should be available in Branch and as requirement also displayed on notice board Delegation Matrix:-1. Loan Sanction authority of All Product (PL, Home Loan, HL,LAP,TW, Three Wheeler, CV, Microfinance, Merchandise, HPN, Machinery, Consumer Loan)2. PD (CPV) Rights of all products3. Approving authority of CIBIL Score, DPD, Write-off loan 4. Authority of Portfolio allocation to IRO, and Branch Mangers and Sales zoning

1. New market identification2. Hiring and training of Relationship Officers3. Developing the team and lead them by engaging with them4. Sourcing and preliminary appraisal of Small Business Loans5. Build up quality assets, liabilities and third party products6. Put in daily review discipline for the leads and logins7. Responsible for P&L for the branch8. Create good working culture and facilitate efficient work environment for the team9. Proper & timely reporting on business performance to various level as required10. Responsible for Collections of Overdue accounts if any and ensuring delinquency within plan

 Identified customer needs through direct contact and came up with suitable strategies and products suggestions seeing the demands of the customers in the market of Loan and Retail both products. Managed the complete business operation of the Jabalpur Zone in State of MP comprising of 7 region (Jabalpur,Seoni, Burhar,Katni,Satna,Chaturpur, and Damoh), 35 Branches with a outstanding portfolio of over 60 crores plus and a client base of 77 thousand plus during March. 2014. Solely responsible for team of 200 plus. Formulated business development and marketing strategies for building a prominent brand image.. Successfully handled the cross selling of Insurance. Concentrated on the quality of product portfolio for long-term and profitability and business expansion. Lead the risk management team and made strategies to tackle the problems. Appointed, mentored and trained the team members to ensure that they performed effective sales operations and met individual and group targets. Developed healthy relations with district administration officials, Bank officials &Panchayat functionaries.Notable Highlights Highest achiever for in all working months among Zone of 4 states in the parameter of the retail sales Quality has improved of financial service / Branches and Compliance documentation  Staff’s Knowledge level did to increase about his weakness like product feature / service quality / KYC / Customer monitoring / mapping Competitor/ RBI policy by training meeting  Greatest Achievement of working life1. No OD has added 2. Any Staff did not fraud