Ravish Panghal

Branch Manager at GIC Housing Finance Ltd (GICHFL)
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Contact Information
us****@****om
(386) 825-5501
Location
Gurugram, Haryana, India, IN
Languages
  • English -
  • Hindi -

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Experience

    • India
    • Financial Services
    • 100 - 200 Employee
    • Branch Manager
      • Mar 2022 - Present

      •On-boarding of Direct selling agents (DSA) , Channel partners and Liasioning with Developers for Project approval and Training New recruits-DST's, Sales team and Support staff.•Meeting channel partners on a regularly basis to build strong relationships with them.• Managing the operations of branch and leading the team to achieve the sales targets .•Assess the credit worthiness of both employed and self employed customers, doing personal discussion with them, suggesting them optimal solutions to their loan needs, verification of customer’s documents and recommending the proposal for approval.• On boarding clients, manage pre-disbursal, disbursal and post disbursal activities for individual loans.• Grievance redressal of customers and our sales partners. Show less

    • Assistant Branch Manager
      • Nov 2019 - Feb 2022

      •Managing the Sales through different sources like DST's ,DSA and Channel partners. •Coordinating with cross departments to smoothen the sales process of branch.• Developing new channel partners for business growth.•Managing operations of the branch and different departments like sanction, disbursement and Recovery.

    • Administrative and Recovery Head
      • May 2018 - Oct 2019

      • Smoothing the sales process from login stage to disbursement and with internal departments (Operations and Credit) for completion.• Preparing reports related to branch functioning and performance.• Weekly analysis of MIS reports and security deposition of critical NPA cases and strategizing collections and recovery based on in-depth analysis.•Works closely with the Collections team in providing support for the resolution of delinquent cases.• Ensure audit-related deliverables, both internal and external are met as per the prescribed norms. Show less

    • Executive
      • Mar 2016 - Apr 2018

      • Responsible for sales through all channels - DSAs and Digital channel.• Meeting the channel partners regularly to generate business and building long term relationships.• Responsible for credit underwriting and processing the file from the initial phase to the disbursal phase.

    • Italy
    • Telecommunications
    • 100 - 200 Employee
    • Summer Intern
      • May 2015 - Jun 2015

      • Mobile Internet Trends and AD Campaign Enhancement Strategies • Studying about Mobile Internet, Consumer Behavior and Competitor Analysis. • Testing of different banners being done on various handsets. • Acquisition flow performance on 3G networks of their apps banners. • Mobile Internet Trends and AD Campaign Enhancement Strategies • Studying about Mobile Internet, Consumer Behavior and Competitor Analysis. • Testing of different banners being done on various handsets. • Acquisition flow performance on 3G networks of their apps banners.

Education

  • Balaji Institute of Technology & Management, Sri Balaji Society, Pune
    PGDM, Telecom Management
    2014 - 2016
  • Dr. D. Y. Patil Institute of Technology, Pimpri, Pune
    Bachelor of Engineering - BE, Electrical, Electronics and Communications Engineering
    2008 - 2013
  • Kendriya Vidyalaya
    Student, Non medical
    2006 - 2008
  • C.R.P.F Public School
    1998 - 2006

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