Pronob Paul

Overall 14 yrs of experience on Portfolio Management, Budget for the dept, Policy Implementation, market Survey, Employee Management

Product: Business Loan, Working Capital, Lap, HL, Gold Loan, JLG Microfinance Loan, TW

Regional Credit Head (Business Loan) | ASHV Finance Limited | April 2023 – Present | Location: Kolkata and Lucknow

 Lead a team of Credit Manager to consistently performance on quality credit underwriting of the proposals.

 Implemented a new credit strategy that increasedquality credit cycle efficiency.

 Portfolio analysis. Rejectection reasons analysis, Collection analysis, DSA/Channels office, Vendor office visit

 Conducted credit forecasting, analyzed market trends, and presented branch performance reports to the executive team.

Regional Credit Manager (Micro Home Loan) | Bandhan Bank | April 2022 – April 2023 | Location: Kolkata HO

 Taking care of organization entire Micro Home Loan portfolio for WB, .

 Collaborated with credit teams to delevered quality disbursment for HL application. Monitoring TAT, Collection performance, Enduse checking, Legal and technical follow up.

 Utilized data analysis to identify trends, monitor key performance indicators (KPIs), and make data-driven credit decisions.

 Collaborated with Dept. seniors and support team formulate budgets and Implementing to improve department requirements.

 Developed excellent working knowledge of industry trends and improvements in processes among within the dept.

 Inspected products and services to comply with quality standards.

 Promoted safe working environment by implementing regulatory standards, policies and guidelines.

Trained and mentored employees to maximise team performance.

Territory Credit Manager (BL, LAP, TW) | Fullerton India Credit Company Ltd. | Jul 2019 – April 2022 | Location: North

Bengal

 Evaluating the creditworthiness of potential customers of Unsecured BL, TW, LAP for the assign Territory.

 Ensure healthy portfolio for strategic business with minimum delinquency

 Monitoring Disbursement with maintaining with TAT, Vendor Management, loan payments and Collections

 Reviewing and updating the company's credit policy with ensure accurate submission of daily, weekly plan,

monthly MIS within the team.

 Thrived in fast-paced environment with energy and enthusiasm.

 Diffused challenging situations using conflict management techniques

Asst. Credit Manager (BL, LAP, HL) | Jana Small Finance Bank | Dec 2018 – July 2019 | Location: Kolkata

 Handling credit Underwriting of Unsecured BL, HL, LAP Cases

 Analysis of all customer related information in line with credit & risk policy to check eligibility

 Customer Business /Residence CPV, CAM preparation and recommendation to further stage to DB

 Maintain MIS, Data Managment and reporting to the seniors.

 Managed credit quality & control delinquencies, frauds, Understand credit policy as well as Credit environment of

LIP segment.

 Categorizing customer profile into Low, Medium, High risk with business profile, bureau reports, banking habits

,TRC

 Ensuring all loans and lending procedures comply with regulations

Cluster Manager-Microbanking | Ujjivan Small Finance Bank | July 2015 – Dec 2018 | Location: Kharagpur

 Individual visit and sanction with maintain end to end policy and process of Unsecure Business Loan and Personal

Loan

 Implement Credit policies and processes for Unsecured Microfinance Loans in the field and review existing IL policies/processes and raise recommendation.

 Sample visit check to ensure quality of customer acquisition.

 Supporting business flow by ensuring efficient resource allocation and productivity through daily & weekly planning & monitoring.

 Visit risk branches, sub lending cases, understand the field condition & recommend the corrective actions.

 File error, rejection reason analysis and updating of all rejection in system.

 Ensure timely & accurate submission of daily, weekly plan & monthly MIS reports for self and consoled for team.

 Drive on collection from NPA and Write Off cases of Group loans / Individual loans a/c's.

 Collection from death insurance, Write off settlement.

 Sample visit of NPA & W/off accounts and recommendation of LDN.

 Maintain compliance and fare collection process on field level.

 Provides helpful, behaviorally specific feedback to others by regularly meets with staff to review.

Gold Appriser | IIFL Gold Loan | Oct 2011 – July 2015 | Location: Kolkata

 End to end loan process like Gold analysis, testing & valuation & Disbursed

 Joint custodian of branch cash, gold & Vault room, maintain branch operation dept

 Customer calling & marketing activities to Achieve budget targets

 Custodian of branch petty cash, main cash And Vault

Officer | Manappuram Gold Loan | Feb 2011 – Oct 2011 | Location: Kolkata

 End to end loan process like Gold analysis, testing & valuation & Disbursed

 Joint custodian of branch cash, gold & Vault room

 Customer interaction for receiving Feedback & providing efficient customer service

 Maintain branch operation dept

 Customer calling & marketing activities to Achieve budget targets

 Custodian of branch petty cash, main cash And Vault

 Verify loan documents, KYC & process for next level

 Visit and collection from overdue a/c's.

Master of Business Administration (MBA) | IIBM Institute of Business Managment | 2023

 Relevant Courses: Banking and Financial service managment, Retail Managment

Executive Master Program in Business Administration (MBA) | IIBM Institute of Business Managment | 2021

 Relevant Courses: Finance managment, Risk Managment

B.Com | Barasat college ( Board : Calcutta University) | 2008

 Relevant Courses: accounts

Class XII | Aswini Pally High School (Board: WBBHSE ) | 2005

Class X | Aswini Pally High School (Board: WBBSE) | 2003