Senior Branch Manager - Spandana Spoorty Financial Ltd. - Prayagraj, Uttar Pradesh
(2024-04)
- Managing loan portfolio of ₹4.5 Cr+ with 99.5% collection efficiency.
- Overseeing end-to-end branch operations and ensuring achievement of business targets.
- Leading and managing a team of 5+ employees and driving performance.
- Mentoring PAR/NPA and implementing effective recovery strategies.
- Ensuring compliance with RBI guidelines, KYC norms and company policies.
- Building strong customer relationships and enhancing customer satisfaction.
- Preparing MIS reports and analyzing portfolio quality & performance.
Branch Manager - Muthoot Microfin Ltd. - Azamgarh, Uttar Pradesh
(2022-11 - 2024-03)
- Managed day-to-day branch operations and microfinance loan portfolio.
- Achieved monthly business targets for disbursement and collections.
- Conducted customer verification, credit appraisal and risk assessment.
- Monitored portfolio quality and took corrective actions to reduce delinquency.
- Handled team of field officers and ensured effective field operations.
- Ensured 100% compliance with company policies and regulatory norms.
Branch Manager - Fusion Microfinance Ltd. - Prayagraj, Uttar Pradesh
(2022-01 - 2022-07)
- Managed branch operations and microfinance loan portfolio.
- Improved collection efficiency and reduced PAR through effective follow-ups.
- Conducted credit appraisal and customer verification.
- Trained and motivated field staff to achieve business goals.
- Prepared daily, weekly and monthly reports for branch performance.
Audit Officer - Cashpor Micro Credit - Prayagraj, Uttar Pradesh
(2017-05-01 - 2020-06-26)
- Conducted branch and field audits to ensure adherence to company policies and procedures.
- Verified loan documentation, disbursement process and repayment tracking.
- Identified operational gaps and provided recommendations for improvement.
- Ensured compliance with RBI guidelines, internal controls and audit standards.
- Prepared audit reports and shared action plans for process improvements.
