Experience

• 

  Pepsico

  May 2010 - Jun 2010

  Trainee

  Internship Project on Distribution Channel

• 

  O2o technologies pvt. ltd.

  May 2011 - Jun 2011

  Management trainee
• 

  Rei six ten retail ltd.

  Nov 2011 - Apr 2012

  Purchase executive

  Nature of job - Looked after all the purchase activities at Head Office for MyGrahak.Com & 6Ten Stores that includes Purchase of Imported FMCG Food, Non-Food, Grocery items & Health Supplements. o Business role as leader of a categoryo Handling end-to-end business managemento Setting financial targets & co-ordinate within relevant departmentso Procurement/stock/catalogue of productso Merchandizing/Promotions of productso Partnership strategy with brands & vendorso Build the category through Vendor & Stock Management o Generating PO through ERP & handling received stock. Show less

• 

  Union bank of india

  May 2012 - Apr 2013

  Customer relationship executive

  Looked after Promotion & Marketing of various Financial Products, Credit & CASA in Given Territory for Regional Office, Chandigarh, India.o Promotion of Financial Productso Organising Campaigns o New Business Development through Market Scanning & Targetingo Customer Handling & Relationship Buildingo Query Handling & After Sale Serviceso Training of Branch Staff for Maximum Involvement in Campaigns

• 

  Bank of baroda

  May 2013 - now

  Being Credit In-charge, following duties are being discharged by me -•Research and evaluate clients’ creditworthiness.•Create credit scoring models to predict risks.•Approve or reject loan requests, based on credibility and potential revenues and losses.•Calculate and set interest rates.•Negotiate loan terms with clients.•Monitor payments.•Maintain records of loan applications.•Follow up with clients to manage debt settlements and loan renewals.•Ensure all lending procedures comply with regulations.•Ensure achievement of portfolio targets Sector/Segment wise a set by higher office. Show less o Leading a team of Officers and Operations staff for day to day branch operation which involves activities pertaining to retail deposit and advances along with cross selling other banking products like Life Insurance, General Insurance, Gold, Government sponsored Schemes (Social banking) etc. o Leading and delegating the jobs and responsibilities to staff for smooth working and high profitability & Ensuring proper functioning of the branch in all respects.o Conducting staff meetings for business maximization and staff motivation.o Periodic review of branch progress for achievements of branch deposits, advances and other targets.o Business development, customer relationship, customer retention and resolving customer queries and grievances to ensure customer satisfaction.o Special attention to credit portfolio of the branch through new business development, credit appraisal, sanctions, inspections, follow ups and recoveries. o Review and update credit and loan files, Review loan agreements to ensure that they are complete and accurate according to policy, Compute payment schedules, Pre- sanction and post sanction follow- ups and Inspection, Monitoring of loan accounts, transaction mechanism and trends, Recovery and follow ups.o Compliance of various directives and Legal aspects of banking which includes Auditing and reporting of accounts to various concerned departments.o Meeting over all targets of Deposit, Advances & Govt. Business as set by Bank Management and Regulators. Show less I. Provide quality and exceptional services to customers.II. Assist Branch Manager to achieve sales target and projected profit.III. Select, train, supervise and evaluate the branch staff to enhance individual productivity and enable them to function according to job description.IV. Assist Branch Manager to operate the branch in line with company procedures and policies.V. Ensure that the branch personnel comply with prescribed code and conduct.VI. Maintain operational standards to provide an excellent working environment for employees.VII. Ensure the facility is kept clean, safe and orderly.VIII. Communicate personally with customers to ensure customer satisfaction.IX. Resolve customer complaints promptly and efficiently.X. Support sales promotion activities including promotional campaigns, micro-marketing events, and trade shows.XI. Ensure operational excellence and integrity of the branch.XII. Develop action plans to enhance operational controls and optimize customer service.XIII. Manage daily operations of branch in the absence while assisting branch manager.XIV. Provide warm, friendly and welcoming atmosphere for both employees and customers. Show less

  • Credit Manager

    Oct 2020 - now

  • Regional Recovery Officer

    Jul 2019 - Sept 2020

  • Processing Officer Credit

    Jun 2018 - Jun 2019

  • Branch Manager

    Jun 2017 - May 2018

  • Assistant Branch Manager

    May 2013 - Jun 2017