Vijay Pancheshwar

Result-oriented and highly experienced Finance Professional with 8 years of proven track record as a Branch Manager in the microfinance sector. Seeking a challenging managerial position in a reputed financial institution to leverage my expertise in business development, portfolio management, risk mitigation, and team leadership to drive organizational growth and financial inclusion.

Branch Manager - L&T Microfinance LTD

(2018-05 - 2026-04)

• Performance Recognition: Honored with the prestigious "Star Award 2024" for exceptional branch management and leadership
• Portfolio Management: Managed and expanded the rural loan portfolio, focusing on Joint Liability Groups (JLG) and women entrepreneurs to promote financial literacy.
• Credit & Risk Assessment: Oversaw the complete credit appraisal process, verified KYC/address proofs, and evaluated repayment capacities to minimize Non-Performing Assets (NPA).
• Disbursement & Recovery: Led quick loan approvals and ensured timely recovery of EMIs through digital and manual channels, maintaining an excellent recovery rate.
• Team Leadership: Managed, trained, and motivated a team of field officers and customer service representatives to achieve monthly business targets
• Audit & Compliance: Ensured 100% compliance with corporate guidelines and microfinance regulatory standards during branch audits

MBA - Marketing - Barkatullah University, Bhopal

BCA - Bachelor of Computer Applications - Makhanlal Chaturvedi National University of Journalism and Communication, Bhopal

Higher Secondary School Certificate - 12th - MP Board, Bhopal

High School Certificate - 10th - MP Board, Bhopal