Dashrath Parihar

Banking and Finance professional with over 15 years of experience in Sales, Credit, Collections, Business Development and Team Management. Proven track record of achieving business targets, managing loan portfolios, reducing NPAs, and building strong customer relationships. Skilled in handling secured and unsecured lending products, including HL, LAP, PL, BL, KCC, CC and OD.

Strong leadership, Communication and Problem-Solving abilities with a Commitment to delivering excellent business results. I have successfully achieved Promotion in this role.

Sangam Manager, Collection and Sales - SKS Microfinance Ltd. - Bhopal and Ujjain MP

(2009-10 - 2011-12)

As the Sangam Manager for Collection and Sales of JLG Loans at SKS Microfinance Ltd, I played a crucial role in managing and growing the company's lending portfolio. In this role, I was responsible for overseeing the collection and sales process, ensuring efficient and timely loan repayments from clients, and continuously seeking new opportunities to expand our customer base.

• Managed JLG loan collection and sales
• Ensured timely loan repayments
• Expanded customer base
• Identified new business opportunities

Collection and Sales Officer - Jana Small Finance Bank Ltd. - Bhopal MP

(2013-04 - 2014-05)

As a Collection and Sales Officer (JLG Loan) at Jana small finance bank in India, I was responsible for managing the collection of loans from Joint Liability Groups (JLGs) and promoting Jana small finance bank's loan products. This role required me to have a deep understanding of the local market and build strong relationships with JLGs to ensure timely collections and promote future business.

• Successfully managed loan collections from JLGs
• Promoted Jana small finance bank's loan products to potential customers
• Developed strong relationships with JLGs
• Loan collection management
• Product promotion to potential customers
• Building relationships with JLGs
• Deep understanding of local market

Branch Manager (HL & LAP) - Mahindra Housing Finance Ltd. - Dewas and Sonkatch MP

(2014-09 - 2020-04)

• Managed branch operation and overall business performance
• Led a team and ensured high levels of customer satisfaction
• Sourced Home Loan and Loan Against property business
• Manage collection and recovery of NPA accounts
• Lead Collection team of 8 members and handle end to end NPA recovery process
• Issued SARFAESI Notices u/s 13(2) & took possession u/s 13 (4) for 150 NPA Accounts
• Successfully regularized and closed 120+ NPA accounts through legal recovery & OTS settlements & more than Rs-150 Cr was recovered
• Reduced portfolio NPA From 8.3% to 4.7% within 18 month through aggressive legal follow-up
• Led a team of 15 employees
• Achieved 20% increase in branch sales
• Maintained high customer satisfaction ratings
• Implemented cost-saving measures
• Conducted regular performance evaluations
• Developed and implemented marketing strategies

Deputy Manager (KCC&LAP OD) - HDFC Bank Ltd. - Dewas MP

(2020-06 - 2022-03)

• Source business from urban market CC & OD limits for businessman like traders, manufacturers, taking care of WHR finance for mandi traders, stockist, seed traders. Simultaneously from rural and urban market for farmers for their Crop and term loan requirements, Manage sale of products like Kisan Gold Card, kishan shakti& Small.
• Worked collaboratively with credit team to ensure the accurate assessment of loan conditions
• Carefully analyse documents and submit to the operations team
• Follow-up with the customer and collection of all presanction documents required for logging of the file with CPA
• Managing team for collecting EMI and follow up of NPA Accounts
• Maintain compliances with government lending regulations and bank underwriting policies
• New customer acquisition along with maintaining existing portfolio by enhancement

Senior Sales Manager (PL&BL) - Fullerton India Ltd. - Dewas MP

(2022-03 - 2022-07)

• Led a team of DSA sales professionals
• Developed and implemented effective sales strategies
• Achieved sales targets and increased market share
• Conducted market research to identify new opportunities

Territory Manager (KCC, Insurance & Logistics) - E-FAARMS Solution Pvt.Ltd. - Indore and Dewas

(2022-07 - 2023-03)

As a Territory Manager at E-Faarms Solution Pvt. Ltd, I was responsible for overseeing the sales and marketing efforts in my designated region. This role required strong communication and leadership skills, as well as a deep understanding of the agricultural industry in India.

• Developed and implemented strategic sales plans
• Managed relationships with clients and distributors
• Conducted market research to identify new opportunities
• Trained and mentored a team of sales representatives
• Achieved quarterly sales targets consistently
• Conducted product demonstrations for potential clients
• Negotiated contracts and pricing with clients
• Collaborated with cross-functional teams to improve product offerings

Senior Sales Manager (KCC&LAP OD) - Yes Bnk LTD - Dewas & Indore

(2023-04)

• Leading and mentoring a team of sales professionals
• Driving business growth through customer acquisition and portfolio expansion
• Sourcing business from urban and rural markets for KCC, CC, OD and term Loan Product
• Managing relationship with traders, manufactures, stockists, mandi traders and farmers
• Monitoring a loan portfolio worth 15 Crore with a collection efficiency of 97%
• Managing of total portfolio hygiene parameters
• Ensuring compliance with bank policies and regulatory guidelines
• Managed a team of sales professionals
• Developed effective sales strategies
• Conducted market research to identify potential clients
• Provided training and guidance to team members
• Collaborated with cross-functional teams to meet goals
• Consistently exceeded performance expectations
• Managing team for collecting EMI and follow up of NPA Accounts
• Maintain compliances with government lending regulations and bank underwriting policies
• New customer acquisition along with maintaining existing portfolio by enhancement

10th - MP Board Bhopal (2002 - 2003)

12th - MP Board Bhopal (2004 - 2005)

Bachelor of Commerce - Vikram University Ujjain (2006 - 2009)

PGDCA - Makhanlal University Bhopal (2010 - 2012)

LLB - Vikram University Ujjain (2019 - 2022)