Experience

Family Credit Limited

• Canada
• Financial Services

• Regional Manager – Branch Operations, East 2

  • Oct 2010 - Present

  Acquired by L&T Finance Holding Ltd in 2012. Growth Path Regional Manager – Branch Operations Jan 2015 - Date Centre Head – Central Processing Unit Jan 2010 – Dec 2014 Manager – Underwriting Oct 2010 – Dec 2010 In my current role, I am providing leadership and direction to branch operations while managing sales and business development activities in Odisha, Jharkhand & Bihar. This included entire gamut of customer service activities including branch operations, lending, collection coordination, cash management, customer service, security and safety in accordance with bank’s guidelines. Provide prompt and accurate resolution to customer queries and grievances; implement initiatives to enhance customer satisfaction I also significantly contribute to enhancing revenue and customer satisfaction by on-boarding new customers and selling / cross selling asset, liability and fee based products to existing customers. Formulate and implement sales plans for building a healthy asset and liability book and weeding out non-profitable accounts. Another key aspect of my role is to recruit, mentor and develop a team of executives and ensure they have the skills and tools to deliver excellent customer service. I am also responsible for ensuring compliance to statutory and organization guidelines. I also lead smooth conduct of audit operations and ensure audit finding are auctioned in a timely manner. Prior to this, I played a stellar role in enhancing efficiency of the Centralized Processing Unit for Pre-sanctioned process. The 5 member team was responsible for updating CIBIL status in comments of loan applications. Recommended and implemented process automation to increase accuracy and reduce cost. Deftly executed the project along with the IT team. Show less



HDFC Bank Ltd

• Banking
• 100 - 200 Employee

• Credit Manager

  • Jan 2005 - Sep 2010

  Growth Path Credit Manager – Auto Loans, Coastal Odisha Feb 2010 – Oct 2010 Credit Manager – Two wheeler loans, Odisha Jan 2005 – Feb 2010 At HDFC bank, I moved from Retail Asset Operations to Risk Underwriting. My ability to quickly grasp new concepts and apply them to my work area enabled me to learn nuances of risk underwriting and excel in my work. I undertook end to end responsibility of loan processing – from application scrutinizing to disbursal and loan closure. Conducted rigorous scrutiny of applications to ensure adherence to relevant eligibility criterion. Played a pivotal role in assessing credit worthiness of customers by analyzing fund flows, cash flows and ratio analysis. Liasioned with CPAs for smooth processing of loans within defined TAT and quality guidelines. Ensured safe custody and timely presentation and updation of PDC for auto and two wheeler loans. Led a team of customer service executives to ensure prompt and accurate resolution of customer queries and concerns. Responsible for forwarding and reconciling foreclosures. Also issued NOC’s for closed cases. Single point of contact for handling insurance claims for accidents, total loss, foreclosure, matured cases and resale cases. During this tenure, I significantly contributed in reducing NPA’s by increasing the collection of Post Disbursal Documents. My focused efforts reduced the PDD from over 20% to 5% in 4 months, resulting in portfolio security and increased collections. Show less



ICICI Bank Ltd

• 200 - 300 Employee

• Operations Executive

  • May 2003 - Jan 2005

  Growth Path Operations Executive Customer Care Executive I started my career with ICICI Bank, where I was responsible for timely disbursal of two wheeler, auto, commercial vehicle and personal loan. Growth Path Operations Executive Customer Care Executive I started my career with ICICI Bank, where I was responsible for timely disbursal of two wheeler, auto, commercial vehicle and personal loan.