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     Experience Synopsis:-

My overall experience is of almost 12+ Years & the majority of it being in the financial sector along with the qualification of PGDM @ MBA in Regular Mode focused in Marketing from IIBM Patna.

To elaborate, I have approximately 4 Years of experience across the MFI sector in JLG business development through Sales & regular monthly EMI collection along with PAR recovery from soft bucket  30 + PAR accounts and recovery of hard bucket 90+ days of delinquent NPA accounts up to Territory Manager level with reputed Industry leaders such as HDFC Bank SLI Vertical and L&T Finance along with HDB Financial Services. Therefore, I have proved myself as a performer in consistently achieving Business & Recovery Targets through the assigned teams with judicious man-management, motivation, and sincerity.

Moving on, I also possess experience in territory expansion. During my work tenure with L&T Finance, I launched 6 new branches of Microfinance in Bihar and developed the portfolio of JLG loan up to 80 Crores from the newly launched branches in just 8 months. I also managed the same portfolio of near about 80 Crores for monthly EMI collection through the 5 branches assigned to me and during my term I was proven as a stupendous Territory Manager in maintaining OTRR % @ 100% in a consistent manner on a MOM basis.

Moreover, from December 2018 to 30th January 2020, I worked with HDB Financial Services as a Branch Head of the Lakhimpur Kheri branch in Uttar Pradesh & there I was responsible for Business Development (Sales) of lending products i.e; SAL PL, SEN-PL, LAP, GL & EBL and insuring quality business through the branch credit team for underwriting with proper risk assessment.
 	  Excellent team handling skill with man management skills. 
 	  An excellent strategist with proven abilities in accelerating growth and generating customer 
  loyalty levels. 
 	  Holds the distinction of exploring new markets achieving goals. 
 	  Exceptional communicator skill with good analyzing and problem solving skills.

I am confident that I possess the required skills & knowledge along with the relevant experience in handling a team of up to 45 direct reporting Employees belonging to salesforce along with employees for business support vertical for Credit, Operations, Recovery along with RIC field officer.

Previous Employer: HDB Financial Services Ltd.

Designation: Branch Manager Lending Vertical

Grade :  E3 @ Manager

HDBFS CTC: Approx 659275/- Per Annum

HDBFS Take-Home Salary: Approx Rs 50265/- (Monthly ).

Notice Period:  Immediate Joining.

My updated CV is attached for your kind perusal.

With highest regards,

Suraj Mishra
Mob: 7485063304, 8210833907
E-Mail: suraj.mishra19@yahoo.com
Patna ( Bihar)

IIBM Patna

BSEB

Branch Head 

Suraj Mishra

Arohan Financial Services Ltd

Area Recovery Manager

Roles Responsibilities : 
 
 	 Complete analysis of NPA accounts 
 	 Responsible for target analysis - planning, forecasting, resource allocation, field operational 
 	 activities for accountability of company. 
 	 Execution for recovery process with executive	 Branch Head along with Area Sales 
 	 manager for Reinforcing the credit discipline in centre and develop the culture of timely 
 	 repayment along with to increase the width and depth of the portfolio 
 	 Managing the data base of the NPA customers and Categories the same on the basis of 
 	 root cause of OD on the basis of identifying the genuine reason for the OD among the 
 	 various parameters, 	 bifurcate	 categorize on the basis of NPA duration, intentional 
 	 defaulter, wrong customer selection, external fraud, death claim dispute, Slackness in 
 	 Collection Effort, client residential status along with third party forward 
 	 ring leader 
 	 involvement	 many more different type of categories 
 	 Managed team of 17 RCSR, provided field training on convincing client, negotiation Skills 
 	 influencing skills along with how to handle objections	 most importantly motivating collection 
 	 executives towards incentive earning . 
 	 Taking proper monitoring of other branches as per company requirement. 
 	 Complete analysis of area recovery target and fulfillment of the same with help of RCSR. 
 
 Team building 
 	 Various motivational activity for team member, I believe team building exercises is like 
 	 microcosm of recovery. 
 to train and lead the team comprising of recovery accounts and coordination along with 
 	 operational team, to upgrade job knowledge and increase productivity of the assigned territory. 
 
 2.

Band : Manager E3 Grade . 
 Base Location : Lakhimpur Kheri Uttar Pradesh 
 
 Roles Responsibilities : 
 	 Responsible	 for	 business	 development-	 planning, 	 forecasting, resource allocation, 
 	 Underwriting analysis	 operational activities for Audit purpose and marketing activities. 
 	 Helping the team of managers and executive in lead generation to increase the width and 
 	 depth of the portfolio of HBD Financial services .Conceptualizing and implementing various 
 promotional schemes. 
 	 Managing the data base of the customers and resolving their quires for ensuring high 
 	 customer loyalty levels. 
 
 	 Responsible for mobilizing sales and business with the help of Entire Branch. 
 	 Building and strengthening relationships with HNI Clients	 opinion leaders, thereby 
 	 ensuring high customer satisfaction by providing them with complete product support. 
 
 Team building 
 	 Recruitment of team member according to the need of branch. 
 	 Handling entire branch and take periodic follow-up to maximize the business of branch. 
 to train and lead the team comprising of sales and credit along with operational team, to 
 	 upgrade job knowledge, motivation level and productivity of the team. 
 
 2. 
 
 
 Company : L T Financial Services Micro finance Division

HDB Financial services Private Limited

Branch Manager

Band : Deputy Manager E2 
 
 Branch : Patliputra Patna : The credit category for the branch has been revised due to 
 higher ratio of PAR@27%	 excessive increment of NPA ratio up to 4.63% of total portfolio along with highest downfall in OTRR% from 99% 67% policy team revised credit category 
 	 branch was put under C credit category and in C credit category 1st Cycle JLG loan was not 
 allowed	 many other limitations are also imposed due to of which the possible prospects for 
 business development is almost squeezed for the branch	 until the PAR	 NPA ratio gets reduced up to the required ratio for credit review. 
 and during my work duration of at Patliputra SLI branch with the team .of 14 field 
 executive we reduced the soft bucket 30+ days of delinquent account almost zero OTRR 
 Percentage has been remarkably increased from 63% to 99+% with consistency. The hard bucked 90+ days of NPA delinquent accounts were also decreased by the joint effort of entire 
 branch team	 was brought down from 4.63% to 0.47%	 because of that the credit category of 
 SLI branch was revised put under B credit category in which all imposed limitations were removed and the Branch was allowed to do fresh business. 
 Roles Responsibilities : As a Relationship Manager my Prime Responsibility was to increase the portfolio of JLG business 
 	 insuring quality	 maintaining on time recovery run rate of the branch at 100% through the 
 	 adherence of prescribed policy	 process of the bank for sales along with monthly emi collection 
 	 also responsible to insure for achieving the bank's productivity benchmark by each every 
 	 employee of SLI vertical assigned with branch along with the Performance parameters of SLI 
 	 Branch including the below mentioned.Key Activities. 
 		 Keeping The Team Motivated and Ensure Optimization Of Resources and Productivity. 
 Monitoring Performance Of Field Officers and Ta. Quality Sourcing Of Business and Team 
 	 Should Be Very Clear on Adhering to The Guidelines Specified By the Management. 
 		 I was Responsible for Processing Individual Saving Account As well As Group Current Account 
 	 under Respective Product Code, RM Is BDA For His Respective Branch. 
 		 As a Relationship Manger I Have to achieve the allocated annual budget for the entire Financial 
 	 year on MOM basis through the sales team of Sales officer by Supervising as well as Monitoring 
 	 Approx 10 to 12 On role Direct Reporting Sales Officers and One On Role 2Nd Line Reporting 
 	 Credit Field Executive Along With Two Training and Quality Assessment Field Executive As Well 
 	 As For Collection Of DPD Accounts Bucket Wise Is There Prior Responsibility as well as 
 countable Productivity. 
 		 As a Relationship Manger I have to Visit Group Centers On Random Basis to Check Whether The 
 	 Collection Meeting Are Happening At All centers On Their Scheduled Date Or Not, Also to verify 
 How Many Customer's Are Present During The Meeting Etc When Our Field Officer Visit This 
 	 Group and whether There Is Any Disconnect Or Not, and If So Then I Have to Resolve The Same, 
 	 About All These, Reports Are to Be Prepared	 Maintained By The Rm For Subsequent 
 	 Verification By The Cluster/Regional Manager 
 		 Ensure Repayment Of Loan On There Collection Meeting Date 
 		 Assuring Quality Business Through Bank Lead Down Policy Process Only and for the same after 
 	 sourcing of JLGDL group by Sales officer as a RM I have to visit the centre of the allocated group 
 to verify whether the group is sourced from positive or negative area, ring leader or third party 
 	 involvement should not be in the sourced group, members residential status verification, purpose of 
 	 availing the JLGDL and all the policy stipulation are being mate or not as per bank credit policy 
 	 stipulation, In general language this verification process done by RM is known as PSV which stands 
 	 as Pre Sanction Visit which requires to be done by RM for each and every sourced group through 
 	 the sales officers on mandatory basis and same gets updated on our official VYMO application on 
 	 Android mobile and only If RM recommendation is updated on VYMO then further processing of 
 	 group and Credit burro report can be verified by the credit field officers and further verification by 
 	 Credit FE could be conducted by them at group centre also known as Borrower Eligibility Test in 
 short BET. 
 		 Ensure On Maintaining Prescribed TAT For All The Activities Related to Loan Disbursement and 
 	 Adequacy In all Documents Through All Aspects, This Is Very Important Particularly For Audit 
 	 Purpose . As A RM I Am Primarily Responsible For Satisfactory Rating Of The Branch By The 
 Audit Team. 
 		 Involved In Entire Office Administration, Settlement Of Cases, Customer's Complaint and 
 	 Grievances and Their Rectification. 
 		 Instrumental In Handling The Entire Credit Operation, Loan Appraisal, Loan 
 Recommendation	 Scrutinize	 Relevant	 Documents	/Burro Reports Before 
 	 Recommending/Ensuring Compliance With Organizational Credit Policies In Order to Minimize 
 	 the Market Risk. 
 		 Maintenance Of The Branch In Term Of Look and Feel, Statutory Requirements and Basic 
 	 Discipline Among Staff. 
 		 Coordinate Weekly Meetings to Review Weekly Plans and Work Done By Team Members. 
 5. 
 Company : Kotak Mahindra Old Mutual Life Insurance Ltd

HDFC Bank Ltd

Relationship Manager

Band : Assistant Manager L1 
 
 Job Profile : 
 
 Maintaining Relationship With Almost 6 PSU Partners Nationalized Banks, Micro Finance Institutions 
 Nbfc's At Bihar For The Sales Of Credit Life Insurance	 Group Life Insurance Also Providing Service After 
 Sales According to The Guidelines Of IRDA For Group/Credit Life Insurance For Kotak Mahindra Financial 
 Institutions Group Insurance. 
 5.

Branch Sales Manager

Job Profile : 
 
 Identifying and Developing New Streams For Long-Term Revenue Growth and Maintaining Relationships 
 With Customer's . to Achieve Repeat/Referral Business We Have to Maintain Cordial Relation With Them. 
 Utilizing Public Information and Personal Network For Developing Marketing Intelligence to Generate Leads. 
 Tapping New Markets and Coordinating With Channel Partners to Penetrate These Segments to Expand 
 Business	 Generate Enhances Revenue Parameters For Organizational Growth. 
 7.

BHAWANI BUSINESS ASSOCIATES PVT LTD, BRAND TAG AQUA PRIME

BUSINESS DEVELOPMENT MANAGER

Job Profile : 
 		 Sourcing Prospective Customer For Gold Loan. 
 		 Fulfilling Month On Month Basis Target Vs Achievement. 
 		 Coordinating With Respective Branch Heads	 Managers For Sales Achievement. 
 		 Managing All Sales Related Work With Close Coordination Of Operation Team. 
 		 Monthly Basis Sales Forecasting. 
 		 Maintaining All Sales Related Report. 
 		 Focused On Goal Sheet As Guided By Company. 
 		 Organizing Various Client Engagement Activity. 
 		 Focus On Client Relation Reference. 
 7.

Hdfc Bank HBL Global Pvt. Ltd

Sales Executive Gold Loan Vertical

Total Duration : Two Year One Month. 
 
 Job Profile : 
 		 Pro-Actively Hunt For Target Customer's and Establish Communications With Them. 
 		 Provide Proper Service to Customer to Assure Their Loyalty Towards Brand. 
 		 Design Businesses Planning That Can Benefit Company's Services. 
 		 Further, Develop Multi-Tier Relationships to Organically Grow The Clients' Accounts. 
 		 Build Referral and Lead Generation Network. 
 8.

M/S BINEET ENTERPRISES AUTHORIZED DEALER OF HERO HONDA

ASSISTANT SALES MANAGER

TOTAL DURATION : TWO YEARS ONE MONTH 
 
 Job Profile : 
 		 Managing Overall Sales Activity Through Dealer 
 		 Maintaining Mis For Target Vs. Achievement. 
 		 Develop The Corporate Brand Strategy. 
 		 Develop and Manage Marketing Tools and Collateral For Existing and New Clients 
 		 Implement Business Models to Create New Customer. 
 		 Forecast Long and Short-Range Market Potential In Bhagalpur

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