State Risk Manager for Rajasthan & Gujarat

Facilitation:• Co-ordinating with various department in the interest of business• Building test scenarios for product testing(UAT)• Preparation and circulation of various MISExecution:• Credit processing/underwriting of cases• Building relationship with external stake holders such as market participants and govt bodies etc.• Process managementMonitoring and Control:•… Show more Facilitation:• Co-ordinating with various department in the interest of business• Building test scenarios for product testing(UAT)• Preparation and circulation of various MISExecution:• Credit processing/underwriting of cases• Building relationship with external stake holders such as market participants and govt bodies etc.• Process managementMonitoring and Control:• Monitoring of Loan Utilization Check, parallel processes for sanctioned cases• Resolution and closure of audit queries• Monitoring quality of portfolioHuman Resource:• Coaching and monitoring of team and attrition management• Product training to newly joined employee from credit risk perspective• Training and on the job hand holding of Branch Credit Manager Show less

Steering a Team of Area Credit Officers for Axis BANK's Rural Lending initiatives in Retail Agri Lending - Fund & Non fund based products, Pledge finance against commodities, mortgage loan against residential & Commercial propertiesBusiness Development: Liasoning with RMs, Branch Heads and conducting knowledge based events in the Area.• Credit Management : Primarily includes credit appraisals , sanctioning and timely renewals.• Maintaining highest portfolio quality by… Show more Steering a Team of Area Credit Officers for Axis BANK's Rural Lending initiatives in Retail Agri Lending - Fund & Non fund based products, Pledge finance against commodities, mortgage loan against residential & Commercial propertiesBusiness Development: Liasoning with RMs, Branch Heads and conducting knowledge based events in the Area.• Credit Management : Primarily includes credit appraisals , sanctioning and timely renewals.• Maintaining highest portfolio quality by proactive account management and early alert process . Monitoring of account conduct, fulfilling the sanction terms, undertake stock and unit visits, complete pending security documents• Growth of the portfolio, ensuring targets are met and there is availability of an increased revenue stream.• Track the latest development in the industry, sector and regulations Team building, training and development exercise for the territory. Show less

Sourcing Business: Working capital (Fund & Non fund based facilities), Pledge finance, Commodity Traders , Kissan Credit Card, Term Loan , financing to Agri and ancillary clients• Credit Management : Primarily includes credit proposals preparations , get it sanctioned and timely renewals, obtaining and closing deferrals, plant and site visits and preparation of call memos, obtaining and deciphering stock statements, quarterly results, insurance. TOD management. Assessing Balance sheets… Show more Sourcing Business: Working capital (Fund & Non fund based facilities), Pledge finance, Commodity Traders , Kissan Credit Card, Term Loan , financing to Agri and ancillary clients• Credit Management : Primarily includes credit proposals preparations , get it sanctioned and timely renewals, obtaining and closing deferrals, plant and site visits and preparation of call memos, obtaining and deciphering stock statements, quarterly results, insurance. TOD management. Assessing Balance sheets and putting up credit proposals Responsible for monitoring profitability of the the portfolio by closely tracking the yield, the quality of Portfolio & be on the lookout for stress signs in the client operations / activity and address them Cross sell: Ensuring lead conversion of leads generated by branches Ensuring the quality of Portfolio for the six branchesDocumentation: pre-sanction and post sanction. Responsible for budget of six branches branches Managing , guiding and providing trainings to the Relationship Managers Show less

with major responsibilities in the areas of Portfolio Quality, Growth & Business Development, Customer Satisfaction, Productivity/ Profitability, Monitoring & Internal Audit Compliance, Reporting and Risk Mitigation. Managing portfolio 40 crores.Operations Management Contributing to the development of profitable SBUs. Leading the set up of new offices/ centres, with responsibilities including budgeting, defining targets, business development & timely achievement of… Show more with major responsibilities in the areas of Portfolio Quality, Growth & Business Development, Customer Satisfaction, Productivity/ Profitability, Monitoring & Internal Audit Compliance, Reporting and Risk Mitigation. Managing portfolio 40 crores.Operations Management Contributing to the development of profitable SBUs. Leading the set up of new offices/ centres, with responsibilities including budgeting, defining targets, business development & timely achievement of collections. Guiding teams in adhering to lending policy & procedures and practicing customer service guidelines. Providing support & guidance to the Business Teams in delivering desired performance targets.Business DevelopmentIdentifying and developing new streams for long-term revenue growth and maintaining relationships with customers to achieve repeat/ referral business. Tapping new markets and coordinating with channel partners to penetrate thesesegments, thereby expanding business & generating incomePeople Management Hiring, managing, developing and coaching staff for the assigned region. Ascertaining standard HR practices are followed in all offices in the assigned area. Formulating and implementing standard training practices. Managing delivery of the same for Unit Managers and Branch Managers as per business requirements. Imparting training to the staff members in soft skills (Leadership, Communication, etc.) during staff meetings as well as in different training sessions. Facilitating staff orientation towards the core values and culture of the company.External Communications and Relations: Liaising with customers as well as all major stakeholders. Acting as the Chief Spokesperson of SKS in the region. Show less