Yes 2020

Excellent organizational skills and the ability to multi-task and be flexible.

Strong Relationship

Management skills with Excel at interfacing all levels to ensure company goals are attained. Skilled at effective negotiations and upselling techniques. Utilises excellent organisational skill to enhance efficiency and lead teams to achieve outstanding sales. Dedicated and quick learner and adaptable to changing situations.

Area Business Manager at Cholamandalam Investment and Finance Company (2023-08 – Present)

• Handling supervisory role for delivering Business Targets of Unsecured loans.
• Portfolio Quality Management To ensure lower delinquency ratio while maintaining Business Flexibility fot Term Loans & Over Drafts.
• Maintaining good quality of portfolio with zero % non starter and defaulter case.
• Responsible for Audit and Regulatory compliance for the Location.
• Quality check of all the Advances as per the KYC guidelines with 100% accuracy

Branch Manager at Fullerton India Credit Co Ltd. (2022-06 – 2023-08)

• Handling supervisory role at branch for delivering Sales Targets of Unsecured & Secured loans as per Policies.
• Quality check of all the Advances as per the KYC guidelines with 100% accuracy
• Processing of Customer instructions within stipulated timeframe without any error
• Vendor Management Vendor Billing/Ensuring Vendor quality in terms of process and policy adherence

Branch Manager at Yes Bank (2016-07 – 2022-06)

• Handling supervisory role at branch for delivering Sales Targets of Assets (Lap/ HL/ PL / GL) and Liabilities with efficient customer Services & managing operational activities as per the guidelines of the Bank.
• Responsible for Audit and Regulatory compliance for the Location.
• Processing of Customer instructions within stipulated timeframe without any error.

Manager Customer Services & Ops at Indusind Bank (2011-02 – 2016-07)

• Source and Review the files of various (Lap/ HL/ PL) &Liabilities with the concerned team, and ensure all documentation emplace as per the Policy & Guideline and timily processing.
• Validate the audit conclusions and ensure factual accuracy. Escalate audit issues, as appropriate

Branch Incharge Underwiting at Bharti Axa Life Insurance Co. (2008-02 – 2011-02)

• Lead Manage and develop the Team on operational areas of New Business, Banking, Branch Underwriting, Customer Service, Policy Owner Service, Renewals and Revivals, Training etc
• Taking care of Branch Admin Related Activities consist of vendor management, Petty Cash, Branch Development &Maintence activities etc.

Associate Underwriter at ICICI Prudential LIC Ltd. (2007-01 – 2008-02)

• Underwriting & Stamping Off cases-Non Medical-10 lacs
• Quality Check of STP cases & Stamped cases of other Branch Underwriters
• Coordinating with support units and internal service areas at Home Office- Customer Service, Underwriting, IT, Issuance, Agency Management.

Executive at Capital Local Area Bank (2006 – 2007-01)

• Attending day to day customers, providing information & convincing customers regarding Deposits and Assets in various schemes of bank, handling customer's queries.

MBA – IGNOU (2005)

Graduation in BA – Lyallpur Khalsa College (1998)

Advance Diploma in Computer Applications – Tata Infotech Jalandhar