Manager (NVCL)

• Apr 2022 - Present

Handhold early stage startups from NER and provide Venture Capital assistance for supporting their growth. Portfolio companies:1) Brightcrop Agro Products Pvt. Ltd. (Brand: Organics Food Market) Available on Amazon2) Binbag Environmental Services Pvt. Ltd. (e-waste management company)3) Respirit Healthcare Pvt. Ltd. (Brand: Breathe Clinic)4) Image 3D Conversion (Digital dentistry)

Manager (PFD)

• Jun 2016 - Apr 2022

Handled a diverse portfolio of projects and key accounts in the NER. Skilled in Business Facilitation, Project Appraisal, Credit Risk Assessment and Spreadsheet based financial modelling. Good understanding of the present industry trends and regulatory framework of various industries. Updated on the specific guidelines and key master circulars issued by RBI from time to time to Banks/NBFCs regarding IRAC norms, Stressed Asset Management, Restructuring etc. Well versed in the preparation of Credit Appraisal Memorandums and presentations to Credit Committees for facilitating credit decision making. Involved in the entire lending process of loan sanctioning, loan documentation, loan disbursement, loan monitoring to loan follow- up & recovery. Demonstrated ability to multi-task and prioritize deadlines in a work-intensive environment by collaborating with team members and other support functions such as Legal Department and Finance & Accounts Department. Mentoring and nurturing first generation entrepreneurs and new hires.Key projects handled:1) Classic Grande, 4 Star Hotel in Imphal2) Shija Hospitals, 200+ bedded multispecialty hospital in Imphal3) Unacco School Meitram, Imphal4) Babina - AOI Cancer Hospital, Imphal5) Adarsh Medicare Services, Imphal6) Rayburn College, Churachandpur7) HVS Contructions Pvt. Ltd., Imphal8) Paramount Grande (Residential apartment), Guwahati9) Syndicate Arena (Residential apartment), Guwahati10) Springdale International School, Guwahati11) Sai Vikash Vidyaniketan School, Guwahati12) Norphel Retreat Dirang, Arunachal Pradesh13) Acme Fertility, Imphal14) Trevi Hospital (Cancer Hospital), Imphal15) Royal Demazong, Sikkim16) Tashiling Residency, Sikkim17) Marriott Courtyard (5 star hotel), Shillong18) Hotel Floria (3 star hotel), Aizawl19) Thangjam Agro Industries (Likla), Imphal20) Hotel Yaiphaba, Imphal21) Kumecs City Center (Commercial complex), Imphal22) Paramount Square (Commercial complex), Guwahati ...& many more Show less

Assistant Manager

• Nov 2010 - May 2016

Addressed the financing needs of the MSME sector through proper evaluation and screening of project proposals, assessment of risks and carrying out detailed appraisals. Handled Branch operations as Branch Manager and elevated the performance of the branch by increasing Sanctions & Disbursements while curbing fresh slippages and resolving NPAs and stressed assets. Trainings attended:-1. CRISIL Executive Training on Credit Risk Management (30 - 31st July, 2015)2. CRISIL Executive Training on Identification of Early Warning Signals and Managing Stressed Assets in current times (16 - 17th July, 2015)3. Certificate Training Program on Project Appraisal conducted by Indian Institute of Bank Management, Guwahati (21- 25th July 2014)4. Training Program on Project Appraisal, Monitoring & Follow-up conducted by Entrepreneurship Development Institute, Ahmedabad (20- 24th Nov, 2012)5. Certificate Training Program on Project Appraisal conducted by National Institute of Micro, Small and Medium Enterprises, Hyderabad (23 - 27 August, 2010) Show less

Management Trainee

• Nov 2009 - Oct 2010

Hire Purchase Manager

• May 2009 - Sep 2009

Assessed Loan applications at the Dealer level on behalf of Tata Motor Finance by undertaking risk assessment procedures such as generation and analysis of CIBIL and DEDUPE Reports and RSPM (Risk Scoring Pricing Model) Reports for facilitating credit decision making. Led a team of 4-5 loan documentation experts and facilitated loan documentation for smooth on boarding of clients to the sales team. Assessed Loan applications at the Dealer level on behalf of Tata Motor Finance by undertaking risk assessment procedures such as generation and analysis of CIBIL and DEDUPE Reports and RSPM (Risk Scoring Pricing Model) Reports for facilitating credit decision making. Led a team of 4-5 loan documentation experts and facilitated loan documentation for smooth on boarding of clients to the sales team.

Sr. Process Advisor

• Aug 2008 - Dec 2008

Part of offshore Retail Banking Customer Services team for Barlcays Bank Plc. UK based in India. Addressed customer queries and did cross-selling of various retail products of the bank such as mortgages, insurance, overdraft facilities etc. Part of offshore Retail Banking Customer Services team for Barlcays Bank Plc. UK based in India. Addressed customer queries and did cross-selling of various retail products of the bank such as mortgages, insurance, overdraft facilities etc.

Sr. Customer Service Associate

• Jun 2005 - Sep 2005

Part of a UK based critical process involving motor insurance claims for UK based Motor Insurance company - Equity Red Star (ERS). Awarded Best Trainee during Culture & Soft Skills Training. Part of a UK based critical process involving motor insurance claims for UK based Motor Insurance company - Equity Red Star (ERS). Awarded Best Trainee during Culture & Soft Skills Training.

Process Associate

• Oct 2003 - Aug 2005

Part of US based captive outbound collections team of Retail Sales Finance unit of GE Capital (which later became GE Money Bank). Made recoveries from delinquent accounts of various private label credit cards through phone calls while maintaining service quality by meeting CTQ (Critical to Quality) standards. Resolved billing disputes on calls by offering tangible solutions and escalating critical disputes to the appropriate level of Customer Complaints Handling Team. Delivered 4.5 sigma on all CTQs on YTD basis. Show less