Abhishek Jain

ABHISHEK JAIN-;-Aspires to pursue challenging assignments in Operations, Credit Management & Relationship Management with frontline organization repute CAREER ABSTRACT ✔ A competent professional with over 11 years of experience in Credit Management, Business Development and Customer Relationship Management. ✔ Worked with Holystar Infrastructure Pvt. Ltd, Kishangarh as Manager. ✔ Deft at managing the overall branch operations including credit appraisal, loan assessment, verifications of documents, liaison with vendors and client servicing. . ✔ Pivotal in implementing risk policies & managing wide risks before sanctioning / disbursing the credit, ensuring compliance with organizational credit policies. ✔ Maintaining quality standards for operational areas by ensuring outstanding services to clients. ✔ Adept at scrutinizing documents, sanction of credits after crosschecking credentials of the borrowers. ✔ Resourceful at maintaining cordial relations with customers & intermediaries and providing value added customer service, ensuring customer delight. THE PROFICIENCY FORTE Profit Centre Management & Branch Operations: Setting up and heading complete branch operations with the key focus on bottom line profitability by ensuring optimal utilisation of available resources. Formulating operating budgets to ensure optimum utilisation of available funds towards accomplishment of corporate goals. Leading training and motivating workforce to achieve organisational objectives. Undertaking initiatives for credit control and planning recovery strategies in case of payment default thereby reducing NPA’s (Non-Performing Assets). Credit Management Credit Appraisal/Assessment ✔ Reviewing and evaluating loan applications to determine company’s financial risk in accepting the applications according to the underwriting authority. ✔ Assessing credibility of the clients, risks involved and approving the applications as per the procedures laid down and regulatory guidelines. ✔ Forwarding the files for sanctioning after duly scrutinizing the credit documents and processing loan applications. ✔ Undertaking internal audits and recommendations to the business on process improvements ✔ Performing the functions of assessing creditworthiness of clients and taking adequate steps to ensure receipt of payments and recovery of debts. ✔ Overseeing loan file structure and documentation processing procedures. ✔ Supervising loan document preparation to ensure all loans are being processed in a timely and proper manner. ✔ Verifying that all loans are processed in accordance with established regulations, bank policies, and secondary market processing guidelines. Credit Approval (Post Sanction Activities) ✔ Coordinating with various agencies working to ensure that all Post Disbursal Documents are in order. ✔ Authorizing Disbursements after checking Legal documents, forwarded by relationship Managers and forwarding files after verifying legal procedures for disbursements. Sales and Marketing/ Business Development: Managing sales and marketing operations thereby achieving increased sales/maximizing profit in assigned territory. Developing relationships with key decision makers in target organizations for business development. Dealing and coordinating with dealers and vendors etc. Ensuring optimum staff levels for each stage. Relationship Management: Coordinating with the Legal department for Clearance of the Legal papers and with the Technical department for Technical verification. Managing delivery of customer services for improving client satisfaction levels for high value corporate accounts as well as individual customers for achieving regular targets. Conceptualizing customer retention strategies by offering value added services, sales support services etc. Interacting & developing rapport with all external/internal constituents of client at all levels; for maximum client retention and achievement of revenues. Team Management: Monitoring the performance of team members to ensure efficiency in operations and meeting of individual & group Targets: Streamlining efforts for attainment of short and long term goals of the company taking into care the mission and vision. Last Drawn CTC: 3.5 Lacs P.A. with Indian School Finance Co. Pvt. Ltd. CAREER FEATURES Jan’17-till date Working as the Faculty with Samyak Institute & RSLDC for Soft Skills Training & Personality development Programme . Sep’16- Jan’17 Indian School Finance Co. Pvt. Ltd. Credit Process Associate ✔ Adeptly handled complete banking & financial processes including accounting, client serving & statutory compliance etc. ✔ Managed complete credit operations including conducting verification, counselling clients regarding documentation requirements and making recommendations for the loan disbursement up to INR 1-25 lacs. Distinguished efforts in recognizing enhancement areas; planning and implementing adequate measures to maximize customer satisfaction level Nov’15-Aug’16 Sundaram BNP Paribas Home Finance Ltd. Customer support officer. ✔ Adeptly handled complete banking & financial processes including accounting, client serving & statutory compliance etc. ✔ Managed complete credit operations including conducting verification, counselling clients regarding documentation requirements and making recommendations for the loan disbursement up to INR 1-25 lacs. ✔ Distinguished efforts in recognizing enhancement areas; planning and implementing adequate measures to maximize customer satisfaction level. Jul’15-Oct’15 Global Research & Development Services Pvt. Ltd. Asstt.Manager Managing the entire back office operations& looking after the administrative activities of the Firm. Supervising team of 5 members. Jan’15-Apr’15 Astute Corporate Services Pvt.Ltd,Jaipur Asstt.Manager Managing the entire back office operations and looking after the client escalation activity. Assessing the credibility of the clients,risks involved and sending the assessment report to banks/financial institutions after the due scrutinization and verification of the necessary documents. Supervising team of 9 members. Administering daily credit operations and sending MIS REPORTS to HEAD OFFICE. Oct`12-May’13 Holystar Infrastructure Pvt. Ltd, Kishangarh Manager ✔ Successfully developed and implemented business plan for attaining YOY growth of the organization. ✔ Monitored the complete sales and business development functions in the organization. ✔ Resourcefully developed new clients and retained existing clients for enhancing turnover of the organisation. ✔ Spearheaded team of 7 members. ✔ Successfully achieved targets duly set by the company on time. ✔ Directed business operations across regions Northern India and the entire Rajasthan. the overall Sep`01-Sep`12 HDFC Ltd., Jaipur Officer-Operations & Resources ✔ Adeptly handled complete banking & financial processes including accounting, client serving & statutory compliance etc. ✔ Managed complete credit operations including conducting verification, counselling clients regarding documentation requirements and making recommendations for the loan disbursement upto INR 1-25 lacs. ✔ Distinguished efforts in recognizing enhancement areas; planning and implementing adequate measures to maximize customer satisfaction level. ✔ Skilfully administered daily credit operations and send the reports to Head office. ✔ Planned and organized training programs for staff involved in deposit operations overall Rajasthan. ✔ Boosted the sourcing channels and developed various new processes. ✔ Efficiently handled timely and accurate MIS generation process and portfolio analysis. ✔ Involved in making and strategising critical decisions with the management. ✔ Capably maintained accounts and statutory record activity ensuring adherence to the RBI and pre-set company guidelines. ✔ Significant contribution towards business development through development of service offerings and impressive demonstration of service delivery excellence during client dealings. ✔ Successfully managed complete branch operations for Alwar branch opended in 2002 in capacity of a Resident Manager at Alwar branch, handled several activities viz.: o Responsible for the administration & daily operation of a full service branch office, including operations, lending, product sales, customer service, security and safety in accordance with the bank's objectives. o Developing new deposit and loan business. o Providing a superior level of customer relations and promotes the sales and service culture through coaching, guidance and staff motivation; achieves individual & branch sales goals through new business sales, referrals and retention of account relationships. o Providing leadership, training & supervision; delegates day to day operations to the Operations Officer or other branch personnel. o Attaining established Bank and branch goals through active participation in sales management. o Participates in community affairs to increase the Bank's visibility and to enhance new and existing business opportunities ✔ Developed & maintained work flows for all stages of document preparation, closing, file documentation, and collateral management. ✔ Distinguished efforts in establishing the scanning process (Deposits Division) in liaison with the head office which resulted in the reduction of errors and processing of the deposit receipts and payments on time which resulted in the overall satisfaction of the customer. ✔ Strategized and organised training programs for the key partners/agents providing them with the entire picture of the deposit product & features, etc. ✔ Skilfully conducted recruitment drive/ empanelment programme for appointing new agents/ key partners in liaison with Head Office. Mar`01-Aug`01 Bharti Teletech Ltd. (BETEL) ✔ ✔ ✔ ✔ Sales Executive Resourcefully developed and maintained dealer network. Communicated and coordinated with dealers regarding issues faced. Developed questionnaire for the market research . Acquired feedback from the dealers and prepared the report & provided same to the management. ACADEMIC CREDENTIALS- Date of birth: Address: Shanti Nagar, Scrum Master Certification and Scrum study Agile Master Certification from Scrum Study Centre. PG Diploma in Business Management (Marketing) from Advance Institute of Management, Ghaziabad Diploma in Systems Management from NIIT, Ghaziabad B.Com (Pass) from Delhi University PERSONAL DOSSIER 24th June, 1974 Flat A-004, Ground Floor, Virag Anukampa Residency Apartments, near Rukmani Birla School, Durgapura Jaipur-302016, Rajasthan