Regional Credit Manager
Poonawalla Fincorp Ltd.
Total years of experience :22 years, 5 Months
Worked as a General Manager -II
(Regional Credit Manager-Haryana &Punjab)
Stationed at Chandigarh Office
Key Result Areas
Responsible for Credit & Financial activities of Pre owned cars
Previously handling all products i.e. CV, CE, Refinance, Car & Tractor for Punjab, Haryana and implementation of controls and policies.
• Responsible for Credit appraisal
• Responsible for implementation of policies and procedures, controlling of field activities etc.
• Branch Profitability analysis and guiding branches to improve performance
• Delinquency Analysis & Handing initial 1 year Portfolio under
• Preparation and Analysis of MIS for business and collection and highlighting exceptions
• Review of nonstarter cases-analysis, follow up and solution
• Interfacing Government authorities in the area .Like Patwari, Tehsildar, Sarpanch, RTO
• Liaison and maintenance of relationships with NDSA/channels & customers for smooth and effective functioning.
• Focus on TAT
• MIS (Feedback of Market Realities)
• PDD follow up
• Clearing Audit reports on monthly basis
• Educate and training to other employees understands system usage
• PD visits for high ticket size cases & delinquent cases
Previous Assignment:
handling credit appraisals $ audit part of the region
MBA finance & having MS office certification