Experience

• 

  Jana Small Finance Bank

  • Odisha

  • Vice President /Zonal Head

    • Jul 2018 - Present
    • Odisha

• 

  Arohan Financial Services Private Limited

  • Bhubaneshwar Area, India

  • General Manager/State Head, Odisha

    • Jun 2015 - Present
    • Bhubaneshwar Area, India

    Responsible for the business establishment along with the P&L of the Company in the State, Overall management i.e., managing verticals of Operation/Sales, HR & Admin, Training, IT, MIS/HUB, etc. Acting like a mini CEO of the Company in the State.

• 

  Sa-Dhan (Association of community finance institutions)

  • Bhubaneshwar Area, India

  • State Coordinator, Odisha Chapter

    • May 2010 - May 2015
    • Bhubaneshwar Area, India

    • Coordination with Member MFIs, Govt. stakeholders, Bankers, Academicians, Social Activists, Legislators, Media, Agencies related & clients and providing a common platform to all for the benefit & interest of the micro finance sector. And acting as an intermediary between the stakeholders and head office. • Planning and strategy development for advocacy, dialogue with policymakers, meeting and interacting with regulators, Govt. officials, Legislators, Bankers on self regulation of MFIs, Governance and Social performance.• Ensuring Code of Conduct compliance report, Social Performance Matrix, DAS from members, sharing of Information with NABARD, SIDBI, RBI, Govt. Stakeholders and HO.• Need assessment of the members MFIs, Identifying Issues related to the sector and reporting to HO and coordinating with stakeholders to address the individual as well as sectoral issues.• Developing thematic papers, Newsletters, reports, issue based write-ups and developing donor proposals, meeting donors, fundraising, sponsorship, reporting, documentation and circulation & dissemination of sectoral information. • Coordinating with all district convener MFIs, District Micro Finance Forums and Odisha & WB State Chapters. Facilitating to ensure the district and state level monthly coordination meeting, renewal membership and new membership.• Instrumental in delivering Sa-Dhan State level Microfinance Conference, other high level conferences, Issues based roundtable discussions, Conventions, workshops & seminars.• Meeting and networking with members, international organizations and other stakeholders for the growth of the sector. Coordination and involvement in issue based studies undertaken by Sa-Dhan. • Acting as a resource person for member organizations in facilitating & imparting various training programmes like training of trainers on SHG-2 concept of NABARD for LWE districts of Odisha, High value crop production, storage, value addition & marketing.

• 

  Fullerton India Credit Company Ltd.

  • Hazaribag, Jharkhand, India; Cuttack, Odisha, India

  • Branch Unit Manager

    • May 2008 - Apr 2010
    • Hazaribag, Jharkhand, India; Cuttack, Odisha, India

    Over all management of the branch i.e., Managing verticals of sales, credit, collections & operations, creating a healthy and consistent asset portfolio.• Underwrite files for unsecured till 75K and secured till 200K and Control delinquency to avoid NCL from the portfolio. Managing productivity of the branch employees & profitability of the branch by achieving quick operative as well as cumulative break even. • Responsible for maintaining & building a good customer relationship, team building and team management.• Liaison with business partners & business expansion (ICICI Prudential, Lombard) and Generating fee income in form of Life insurance and general insurance.• Portfolio analysis, monitoring & review (including collection, loan disbursement & report to HO)• Conducting credit appraisal, personal discussion for loan processing, review of CAM, CFA and preparation & verification of Deal pack for credit approval.• Review and verification of exception resolution, uploading, processing and documentation of approvals as per policy and monitoring the work of Credit Manager, Relationship Manager, Executives and ROs.• Review and verification of the process for CIBIL & FCU check up & clearance.• Recruitment of branch staffs, organizing induction and imparting training to them regarding policy updates, compliance, audit and fraud and ensuring timely collection and proper disbursement of loans.• Efficiently implemented mass collection process

• 

  BASIX

  • Ramgarh, Jharkhand, India

  • Unit Head

    • Apr 2007 - May 2008
    • Ramgarh, Jharkhand, India

    • Facilitating & promoting Livelihood financial Services, Agri- Business development services and Institutional development services. • Coordinating for Capacity building of Producer Company, Producer & Farmers Groups, SHGs, Cooperatives and Federations. Promoting the Ag/BDS, Contract Farming, Crop insurance, Weather insurance and Credit linkages & IDS. Forward and back ward linkage support to Producer Groups and Producer Company.• Liaisoning with different companies and facilitate and act as an intermediary between farmers, producer’s group, producer company and SHGs.• Coordinating customer meet, farmers meet, farmers training and institutional building. Awareness on TRIAD services among the community and in the portfolio.• Planning sales and operations at unit level, portfolio analysis, monitoring & review (including FTOD & PAR analysis, follow up & report to HO)• Planning for collaborations & business expansion and conducting unit loan committee meetings.• Recruitment & training to branch staffs regarding policy updates compliance, audit and fraud.

• 

  UNDP

  • Boden, Nuapada, Odisha,India

  • NUNV/Project Officer

    • Oct 2002 - Mar 2004
    • Boden, Nuapada, Odisha,India

    • Provide leadership in translating the project into implementation and developing the successful model.• Facilitating volunteers in conducting resource mapping, social mapping through PRA for Village Micro-planning. Formation and capacity building of SHGs and promoting Micro-finance through group lending.• Formation of Village Development Committee (VDC), Farmers group, producer Groups and promoting Micro-finance through group lending. Providing revolving fund to groups and linking them with bank for IGA and group lending. Over all Programme management and ensure coordination and partnership among stakeholders including local government officials.• Facilitating Food For Work & monitoring, creation of water bodies, institutionalization of water user group and promotion of livelihood through Community Based Rain Water Harvesting Project.• Assist the District collector in district project planning & budget formulation, review, quality control and preparing sectoral report with action points, to be followed up at the Programme level.• Coordinating partner NGOs, community based organization (CBOs) and over 500 village volunteers for the CBRWH activities and facilitating Social Audit process & monitoring, monthly meeting of VDC, village & Panchayat action plan through PRA and creating awareness on PDS & schemes (public distribution system & facilities available.) • Demonstrating village fruit orchard, community plantation through VDC and drought proofing Agri-models.• Facilitating nursery raising, its maintenance and waste land management.

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  CPSW

  • Bhubaneshwar Area, India

  • Programme Officer

    • Mar 1999 - Oct 2002
    • Bhubaneshwar Area, India

    • Coordination & Implementation of different projects of the Organization like Relief & Rehabilitation, FFW, Dry Land Agri, Watershed Mgt, NRM, SSALT, Community Development, IPM & INM, • NTFP procurement & Marketing, Rural Organic product procurement, value addition and it marketing.• Managing spices processing Factory funded by SIDBI as Manager cum MD and provide strategic support & directions in backward & forward linkage (Ginger & Turmeric).• Demonstration of drought proofing agricultural model and promoting crop diversification and crop intensification through Organic farming.• Mentoring relief & rehabilitation project in Orissa super cyclone – Yr 1999, flood-Yr 2001 & drought (Western Orissa)-Yr 2002.• Drought analysis and creation of water bodies to break the desertification process in Nuapada district.• Promoting Collective Farming and facilitating in betel vine cultivation, formation and facilitation of fisher men cooperative.• Monitoring construction of Cyclone Shelters and institutional development for disaster mitigation, facilitating Muck drill & identification of volunteers.• Facilitating need assessment, disaster awareness, disaster preparedness and ensuring participation of the community in disaster mgmt.• Promoting seed bank, grain bank, Village health care centre and village common fund to face the challenges of natural calamities.• Provide strategic support & directions (block level) for Indo German Social Service (IGSS) in flood relief & rehabilitation project in costal districts of Orissa. • Mapping & need assessment of Partner agency i.e. NGOs, SHGs, Cooperatives, Clubs...Etc • Liaisoning with CBOs, SHG & NHG and federations for credit linkages, group lending & micro-finance and networking with the Govt. functionaries and other stakeholders.• Creating awareness on role of women in decision making process and Coordinating Training and Extension for farm Women in Agriculture (TEWA).

• 

  JAGRUTI

  • Daringbadi, Kondhamal, Odisha, India

  • Horticulturist

    • Jan 1998 - Mar 1999
    • Daringbadi, Kondhamal, Odisha, India

    • Imparting training on Watershed Mgt, NRM and Facilitating and providing technical assistance in Watershed project development.• Providing technical assistance in translating village topo-sheet map to cadastral sheet, ridge line & watershed boundary identification.• Facilitating Formation of watershed Association and Committees, Waste land mgt, micro plotting and ownership distribution and Facilitating Village Resource mapping, Social Mapping and well being analysis through PRA.• Monitoring construction of WHS, Percolation Tank, contour bond, contour trench, gulley control work, gabion structure, check dam, 5% model, grass turfing, hedge row preparation, etc.• Managing Nursery raising and ensuring timely plantation, Promoting Income Generation Activities for village women and Imparting Training on cultural practices of high value crops, its storage and value addition.• Demonstration on crop cutting, mixed farming, mixed cropping, contour line identification through A- Frame, hedge row preparing & maintenance. Imparting Training on Organic Farming, Bio-Dynamic agriculture, Vermi-compost and marketing, grading & packaging of rural organic products.

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  DRDA,Phulbani(Govt. Of Odisha)

  • Daringbadi, Kondhamal, Odisha, India

  • Junior Horticulture Officer(J.H.O)

    • Aug 1996 - Dec 1997
    • Daringbadi, Kondhamal, Odisha, India

    • Undertake research and development on Turmeric & zinger and promoting HYV seeds and Promoting commercial production of floriculture.• Formation of farmers group and spices development societies & link up with producer’s network.• Impart training & orientation on package of practices, processing, Storage, grading & marketing of products.• Ensuring minimum support price fixation on Zinger, Turmeric, Mahua flower and other rural products with the help of district collector and Facilitate Input-output linkage for quality production & better pricing.• Undertake promotion camps in rural segments and popularize the best practices, demonstrate products and services. Procurement of Zinger, Turmeric, Mahua flower and Minor forest produces on behalf of Govt of Odisha