State Project Manager - Microfinance - Women and Child Development Corporation, Bihar (Social Welfare Department, GoB) - Bihar
(2022-02)
Looking after the implementation of the Microfinance, Livelihood and Financial Inclusion components of corporation's various projects. Liaising with Banks, NGOs and SHPIs working on microfinance and firms engaged in various processing.
- To look after the implementation of the Microfinance, Livelihood and Financial Inclusion components of corporation's various project.
- To look after liaising with Banks, NGOs and SHPIs working on microfinance and firms engaged in various processing (farm & non-farm), access and implementing to facilitate interaction between various stakeholders.
- To look after the Women and Child Development Corporation's system for financial inclusions to individualentrepreneurs, SHGs, and federations.
- Identify financial inclusion priorities and develop project objectives and strategies. Conduct research and analysis to understand the needs and challenges of underserved communities.
- Develop project plans, budgets, and risk mitigation strategies.
- Build and maintain relationships with government agencies, financial institutions, NGOs, and community organizations.
- Conduct meetings, workshops, and presentations to engage stakeholders and communicate project updates, address stakeholder concerns, negotiate agreements, and resolve conflicts when necessary.
- Develop monitoring and evaluation frameworks to assess project effectiveness and impact.
- Collect and analyze data on key project metrics, such as access to financial services, adoption rates, and customer satisfaction.
- Prepare regular reports and presentations to share project outcomes with stakeholders and senior management.
- Identify areas for improvement and recommend adjustments to project strategies and activities.
- Stay updated on relevant regulations, policies, and best practices related to financial inclusion.
- Looking after the procurement components of Women and Child Development Corporation's of sourcing, negotiating, and managing the procurement process, ensuring cost-effectiveness and quality while maintaining strong vendor relationships.
- Adhering to legal and ethical requirements in procurement practices. Regularly assessing supplier performance against agreed-upon metrics and taking corrective action as needed.
- Building and maintaining strong relationships with key suppliers to ensure smooth operations and access to quality goods and services.
Associate Vice President – Operations - Spandana Sphoorty Financial Limited - Deoghar Zone, Jharkhand
(2021-02-15 - 2021-06-14)
Looked after the overall microfinance operations of SSFL's Deoghar Zone of Jharkhand which included 24 branches with a portfolio of approximately ₹120 Cr. and 125 team members includes 5 cluster managers, 24 branch managers and theirs branch team.
Business Head - State - Vedika Credit Capital Limited - Jharkhand
(2019-09-18 - 2021-02-10)
- Looked after Jharkhand state, handling portfolio of approx Rs 67 Cr. of 21 branches
- Managing and leading 100+ member's team in hierarchy including 5 area managers, 21 branch managers and branch team
- Responsible for preparation of monthly business plan and to get it approved from management.
- Ensure achievement of business target with high label of customer satisfaction with good audit rating.
- Responsible for branch expansion, recruitment, training and capacity building, transfer and posting of HR within the state with prior approval from management
- Review and monitoring of collection and business on daily basis
- Conducting review cum planning meeting with team to identify the gap and plan its future strategies to overcome
Cluster Manager - Vedika Credit Capital Limited - Jharkhand
(2018-10-16 - 2019-09-18)
- Managed a portfolio of approx Rs 41 Cr. of 13 Branches in Jharkhand
- Managed and lead 65+ member's team in hierarchy including 3 area managers, 13 branch managers and branch team.
- Responsible for preparation of monthly business plan and to get it approved from management ensure achievement of business target with high label of customer satisfaction with good audit rating.
- Responsible for branch expansion, recruitment, training and capacity building, transfer and posting of HR within the assigned cluster with prior approval from management
- Conducting review cum planning meeting with team to identify the gap and plan its future strategy to overcome
Product Sales Manager - Ratnakar Bank (RBL Bank Limited)
(2015-08-05 - 2018-10-15)
Focused on low income customer segment to deliver micro credit, micro deposits, micro insurance etc with overall monitoring of 4-6 field supervisors of 3-4 branches.
- Focusing on low income customer segment to deliver micro credit, micro deposits, micro insurance etc
- Overall monitoring 4-6 field supervisors of 3-4 branches towards credit, deposits and insurance business of RBL Bank BC
- Training & capacity building unit manager, field supervisors and CSRs of respective branches
- Standardization of lending model & record maintaining among the branches
- Pre & Post disbursement visits across the assigned portfolio to insure quality portfolio, customer service, overdue, NPA follow-up and end-use monitoring.
- Ensuring timely completion of post disbursal documents to RPC
- Identification, survey and mapping of business potential in the area
- Achieve the desired target set by the organization from the particular portfolio
Unit Head - Bharatiya Samrudhi Finance Limited (BASIX)
(2013-10-01 - 2015-06-13)
Spread the sales & marketing operations and responsible for market development, revenue generation and client servicing.
- To spread the sales & marketing operations and responsible for market development, revenue generation and client servicing
- To define business targets and developing strategies for market penetration across various segments, for improvising the business of the organization
- To identify prospective clients, generating business from new accounts & developing them to achieve consistent profitability.
- To lead a team of competent executives, providing them training, guidance and motivation to enhance their quality and productivity.
- To carry out credit appraisals of borrowers (farm and non farm sector), performing risk analysis and deciding the quantum of loan based on the borrowers' credit score.
- To identify potential default cases and employing proactive measures to ensure that they do not become NPA
- Analyzing delinquent accounts on a case to case basis, developing strategies to recover the dues and offering debt counseling to facilitate them in settling the dues
- Addressing various issues, grievances, complaints raised by customers & staff members and resolving them at the earliest.
Team Leader - Bharatiya Samrudhi Finance Ltd. (BASIX)
(2011-10-17 - 2013-09-30)
- Carried out the same responsibilities and authorities of Unit Head in the Team Leader position
Field Executive - Bharatiya Samrudhi Finance Ltd. (BASIX)
(2009-10-09 - 2011-10-16)
- To organize village meetings to educate the villages about our products and services
- To do credit appraisal for loan purpose
- To provide Agricultural based services
- To provide livelihood services to customers
- To provide micro level insurance services to village people
- To monitor and manage team members with effective portfolio quality and growth
- To set the parameters to analyze the performance of team members
- To monitor monthly regular recovery
- To achieve the targets set by Unit head
Business Executive - Otsira Genetica (Aristo Pharmaceuticals)
(2009-02-12 - 2009-09-30)
- To increase brand equity
- To organize events
- To generate leads and achieve sales targets
- provide better service
- To maintain good relationship with doctors and channel partners
