Regional Sales Manager - Midland Microfin Ltd - Gopalganj
(2024-09 - 2026-02)
- Managed regional sales, operations and collection performance across assigned branches.
- Drove monthly disbursement targets and ensured portfolio quality through regular monitoring.
- Controlled PAR/NPA by tracking hard bucket cases and implementing recovery plans.
- Conducted branch visits, productivity reviews, and staff performance monitoring.
- Supported manpower planning, recruitment, staff training, and performance management.
- Ensured audit readiness and strict compliance with company policies and SOPs.
- Improved collection performance through structured recovery follow-ups and field control.
- Strengthened operational discipline and reduced process deviations through regular reviews.
Regional Manager (Promoted) - Muthoot Microfin Ltd - Sitamarhi
(2023-09 - 2024-08)
- Managed overall regional operations with responsibility for business growth and portfolio health.
- Handled 40 branches and led a team of 250+ employees across multiple levels.
- Managed portfolio outstanding of approx. INR 350 Cr and ensured repayment discipline.
- Led reporting structure including 4 Divisional Managers and 13 Area Managers.
- Ensured timely disbursement, repayment tracking, and achievement of monthly targets.
- Maintained strict compliance with process, policy, and audit requirements.
- Maintained strong collection efficiency and improved recovery in hard bucket cases.
- Reduced audit deviations through compliance monitoring and corrective action planning.
Divisional Manager - Muthoot Microfin Ltd - Purnea
(2021-03 - 2023-09)
- Managed operations of 22 branches with complete responsibility for sales and collections.
- Achieved monthly disbursement targets while maintaining portfolio quality.
- Ensured repayment discipline through structured field monitoring and branch controls.
- Conducted performance reviews and productivity improvement planning with branch teams.
- Ensured adherence to SOPs and compliance standards.
Area Manager - Muthoot Microfin Ltd - Samastipur
(2018-12 - 2021-03)
- Managed 17 branches with focus on business development and collection improvement.
- Ensured branch-level disbursement targets and operational performance.
- Monitored loan disbursement, repayment discipline, and portfolio quality.
- Guided branch teams to improve productivity and ensure process compliance.
Assistant Unit Manager - Fullerton India Credit Company Ltd - Varanasi
(2018-06 - 2018-12)
- Managed group lending operations including client sourcing and group formation.
- Conducted GCO (Group Customer Orientation) and ensured documentation completeness.
- Ensured timely disbursement and repayment monitoring.
- Controlled delinquency through field visits, follow-ups, and surprise checks (GRT).
Senior Risk Officer - Svatantra Microfin Ltd - Robertsganj
(2017-03 - 2018-06)
- Conducted center visits, client verification, and loan utilization checks.
- Verified registers, center files, and operational documentation for compliance.
- Prepared branch grading and risk reporting to reduce operational risks.
- Ensured adherence to organizational rules and compliance standards.
Audit Executive - Utkarsh Small Finance Bank Ltd - Bihar
(2016-07 - 2017-03)
- Conducted branch audits and ensured compliance with process and policy.
- Verified client loan utilization, center meeting registers, and documentation.
- Prepared audit reports and supported management with operational review insights.
Customer Relationship Executive - Jana Small Finance Bank Ltd - Deoria
(2014-12 - 2016-07)
- Opened new centers and sourced customer groups for lending operations.
- Conducted customer eligibility verification and supported account opening processes.
- Managed center meetings and ensured timely field collections.
- Built strong customer relationships and ensured repayment discipline.
