DGM
Mahindra Finance
Total years of experience :24 years, 1 Months
Mentoring and supervising the overall regional team of credit, operational & accounting functions along with checks through assisting the internal audit mechanism.
•Detailed and in-depth analysis of profitability statements and variations report for the positive as well as reverse movement of growth statistics for the purpose of identification of financial exposures, initiating preventive / remedial measures and providing guidance / support to regions in a timely manner for future course of actions towards desired improvement and correction.
•Monitoring of advances and limits sanctioned to various business associates as per terms and conditions of the arrangement and their dilutions for the retails business. Proposing and recommending the revisions wherever required for enhancing as well as reducing the limits.
•Reviewing the internal audit reports of the branches especially in terms of the average rating branches and red flags highlighted by the auditors for the objective of incorporating their suggestions in the zonal / regional policy framework.
•Regular conduction of training programs for the operations and accounts team updating the market changes, requirements, updating the processes and systems, any negative variations and reports, assessment of credit risk mechanism, market trends, portfolio behavior, red flag raised by auditors etc
Achievement
•“ Mission 30k “ project development, planning and execution with 100% success
•Consistently performance achievement with rating at highest level 5 since joining.
•Streamline the credit, documentation and operational issues across regional branches for smooth functioning.
•Development of various MIS reporting systems for R.O. / Z.O.
•Effectively improving the customer service delivery mechanism through timely sanction & disbursements
•Correlation and balancing between the cross functioning operation and credit teams
•Reduction of turnaround time at Regional and branch level for faster services to the channel partners and the customers through defined process and polices with min deviation level
•Minimization of fraud and mal practices as well as strengthening of internal controls mechanism through defining the process, system and procedures
•Significant improvement of audit rating and scoring of the branches across the region through the mechanism of analysis of observations, consistent training and development
•Significant growth in regional profitability through consistent good portfolio quality with Q & Q mantra
•Defining and implementation of settlement mechanism across the zone for effective recovery of bad debts and disposal loss cases as well as 100% provision portfolio.
Sanctioning of Housing Loan applications of branch & camp locations in Rajasthan.
•Coordination with sales team of the branch
•Disbursement of loans including Legal and technical appraisal.
•Submission of branch periodical reports relating to business, operational, accounting etc to H.O.
•PDCs management, recoveries / collection of Pre-EMIs / EMIs and other cash collection.
Managing overall the state of UP, Uttranchal, Bihar, Jharkhand & Gujarat previously and now at Zonal office - Thane - comprising the state of Maharashtra & Goa with a network of 6 Regional Offices comprising of over 100 branches)
Roles & Responsibilities
•Overall monitoring and managing the zone in terms of quality checks & control, adherence of defined credit policies, processes and system, procedural improvements and redefining as per the requirements.
•Synergizing with the operational function in terms of business and profitability growth with the acumen of customer centricity and procedural modifications requirements for balancing the twin objectives.
•Appraisal / Sanctioning of financing proposals relating to various retail assets like commercial vehicles, construction equipments, Auto loan products, refinance, personal & Housing loans within the defined limits.
•Managing the loan portfolio quality in terms of provisioning and delinquency level by way of early and timely warning signals for any negative area, products, branch, customer profile etc. Default account settlement through one time settlement system for chronic defaulting customers as part of zonal committee members.
