Resume - Credit Manager & Relationship Manager

 
(Keywords : Worked as Micro finance, Credit manager)
  
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  Candidate Details
Position Sought :
Credit Manager & Relationship Manager
Age :
36 years     Experience : 11.3
Qualification :
BSc - HorticultureMahatma Phule Krishi Vidyapeeth, Ahmednagar 
MSc - AgricultureDr. Panjabrao Deshmukh Krishi Vidyapeeth, Akola 
Preferred Location :
Ahmednagar, Aurangabad, Kolhapur, Nashik, Pune
Job Category :
Accounts/Finance/Banking
Expected Salary :
6 Lacs Pa
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Resume

Working as Manager Agriculture and Rural Banking in Axis bank from 5th

March 2012.

Worked as Branch Head in Janalakshmi financial services Ltd., Banglore at

Aurangabad from 2nd August 2010 to 14 Feb 2012.

Worked as Unit Head in Bhartiya Samruddhi Finance Company Ltd.,

(BASIX) Hyderabad. From 11th Jan. -2009 to 3rd July 2010.

Worked as Field Executive in Bhartiya Samruddhi Finance Company

Ltd., (BASIX) Hyderabad. From 15 Feb. -2007 to 10th Jan 2009.

Worked as Village Secretary in World Bank Project as JALSWARAJYA at

Zillah Parishad, Solapur from Nov. -2005 to Jan-2007.

Worked as Assistant Professor of Agricultural Extension Education in

Lokmangal Horticulture College, Wadala, Tal. -North Solapur, Dist. -

Solapur. From- 4th Nov-2003 to 3rd- Nov-2005.
Job Profile

AS MANAGER

Looking after the Agriculture and Rural banking sales operation

Maintaining Healthy relationship with the customers.

Sourcing of eligible rural customers for financial inclusion.

Ensuring the Government schemes to the eligible candidate.

Cross selling of Life Insurance, General Insurance, Accident Shield, Kisan

Credit Card, Reuters Market Link to borrowers as well famrers.

AS UNIT HEAD (BRANCH MANAGER)

Job Profile: Incharge for day to day transaction of Unit, reporting, efficient

implementation of TRIAD services, to plan for growth in the business, to implement

the new strategies to mitigate any unforeseen risk and maintain good relation with

villagers to implement the TRIAD services efficiently.

Portfolio monitoring and review.

Identifying villages for expansion of services with help of Subordinates.

First time overdue analysis, follow up, and report to HO

Pre Disbursement visits

Conducting Unit Loan Committee meetings.

Ensuring Follow up timely and proper disbursement of Loans.

Legal follow up.

Promoting the Ag/ BDS and IDS with the help of Livelihood service advisors.

Timely human resources planning.

Control on achievement and targets of TRIAD services.

Fund management.

Monitoring of the bank Accounts and Signatories.

Ensure data entry of file in SFDC(Sales force dot com)

Ensure and monitor the CBS entries (Core Banking Solution)
AS FIELD EXCUTIVE

Job Profile: Loan Appraisal, Disbursement management, Delinquency management,

Team management, Portfolio management, Risk management, direct sales of Life &

Non life Insurance, Ag/ BDS ( Agriculture Business Development Services).

Details of key Job Responsibilities:

Annual Business Plan development.

Port folio monitoring and review.

Identifying villages for expansion of services.

First time overdue analysis, follow up and reporting.

Pre disbursement visit.

Conducting Unit loan committee.

Ensuring timely and proper disbursement.

Post disbursement visit.

Legal follow up.

Dealing with the statutory and Internal Auditors.

Recruitment and training of front line sales force (Customer Service Agent

- CSA), setting processes & systems and monitoring activities to achieve the

business target.

Handling and management of team in the working portfolio.

To prepare monthly Credit business plan as well as monthly Collection plans

for CSAs as per annual business plan and delegating the target.

Loan appraisal (Critically examining and analyzing the Credit proposals

originated by CSAs from all probable risk angles and cross-party checking)

Post disbursement follow up & End use monitoring.

Supervising the Collection/ Recovery (100 OTRR achievement)

Contd.

Overdue follow-up (if any).

Portfolio management

Disbursed 4 crore with 100 recovery rate.

Risk management

Selling of following Insurance product of different organizations:

AVIVA Life Insurance - Life Insurance.

ROYAL SUNDARAM - Non-life Insurance & health insurance.  
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