Branch Credit Manager at Moneyboxx finance Ltd. (2023-03 – Present)
I am taking care Satna branch as Credit department MSME (LAP/HIL 5lakh to 50 Lakh), Additional responsibilities taking care 06 Branch Credit Officer team. I have Santion Authority 05 lakh to 10lakh LAP & HIL cases.
- We have deployed 6 BCOs as team handling.
- Team management and training motivation, planning.
- Branch visit & branch observation.
- Business visit at customer place and PDs with the client.
- Cash flow analysis.
- Assessing client's financial status.
- Evaluating creditworthiness and risks.
- Legal and technical Report.
- Daily visit to customer house and analysis customer behavior income source and cash fellow Handling.
- Branch portfolio supervision for branch staff in implementing for credit policy.
- Personal communication and customer satisfaction and quality and exceptional service in customer Analysis creditors. Approve or reject loan request. Contact client together financial data and documentation. Manage the relationship with all risk team members while running the implementation of new process for the risk control.
Area Head-Agri- at Jana Small finance Bank (2022-12 – 2023-03)
3 month experience. I am taking care of Unsecured Loan portfolio Bhatapara branches Sales/Credit/Risk factors. Santion Authority 2 lakh.
- We have deployed 6-7 CREC&CREM as team handling.
- Team management and training motivation, planning.
- Branch Business and Risk observation.
- Focuses on team management and schedule the Business Plan.
- Finalized the branch business and santion of given TAT.
- Analyze Risk and credit portfolio Management of branch.
- Versification of branch activities and field, co-operate with branch quality.
- Risk controlling & assessment, accounting standards benchmark.
- Ensure maintaining quality of branch agri portfolio by using checklists, thorough documentation of the finding and to the highest professional standard of quality, objectivity, integrity and honesty.
- Data analysis-identification and reporting of early warning signals.
Sr.Relationship officer at Aavas finenciers Ltd. (2021-12 – 2022-10)
9 Months experience.
- Self new Business sourcing ticket size 5lakh to 1Cr..
- Post disbursement and Pre disbursement Documents pendency clearance on TAT.
- Final Check Clarence on TAT.
Loan Advisor at Aye Finace Ltd (2019-09 – 2021-12)
2.3 Year experience.
- New Business Sourcing Ticket Size 50k to 02 lakh.
- Pre- disbursement Documents Complete on TAT.
- FI visit and Collection efficiency Maintain 99.5%.
Credit Officer at Utkarsh Small Finance Bank (2018-06 – 2019-09)
1.2 Year experience.
- New JLG Business Sourcing.
- Pre- disbursement Documents Complete on TAT.
- Conduct New CGT.
- FI visit and Collection efficiency Maintain 99.5%.
