Presently working with XYZ Bank Limited as a Zonal Credit Manager (Personal Loans).

Domain expertise in managing the business development and implementing strategies towards enhancing market penetration, business volumes and growth. Proficient at analyzing market trends to provide critical inputs for business development initiatives and formulation of selling and marketing strategies. Ensured adherence to various audit and compliance guidelines.  An effective communicator with exceptional relationship management skills with the ability to relate to people at any level of business and management.

• Areas of Expertise

• Credit Administration
• Assessments/ Approval

• Retail Risk Assessment and appraisal
• Induction and Training of new Credit Managers
• Portfolio review, new product launches
• Suggestions and Inputs on policy changes based on market and portfolio indicators

• Process Analysis, design and standardization
• Productivity Management
• Review of Fraud Control Mechanisms and corrective measures

• Business Development: Developing Market Specific Products by portfolio analysis and internal feedback mechanisms

• Team Management:Effectively interfacing with people at all levels, managing healthy work environment and inculcating bonded teamwork with high work ethics. Mentoring, motivating and guiding the team members.

• Played a stellar role in standardizing and streamlining the entire processing of Personal Loans across the zone and reduced TAT drastically
• Instrumentally developed market specific products and filters which helped in reducing delinquency without compromising on the topline, based on portfolio indicators,
• Actively involved in the “centralized decision project” for Cross-sell customers in Personal Loans
• Distinctively awarded the best performance in Credit in 2003 in car loans
• Augmented more than 25 processing channels within a period of 2 years to increase the reach and speed
• Prominent part of the leadership team of the Level 3 process initiative and successfully implemented the process within a span of 6 months
• Maintained one of the lowest delinquency portfolios across the country
• Deftly designed more than 10 market specific products balancing portfolio quality and topline growth in Car Loans across the markets
• Effectually launched the new Autoloans policy alongwith the policy and the risk teams
• Selected for conducting RAPID Trainings  as a part of HR initiative in induction of new joinees .

• PREVIOUS ASSIGNMENTS