Summary
Overview
Work History
Education
Skills
Accomplishments
Professional Qualification - C A
Article Ship
Language Proficiency
Parental Address
Timeline
AccountManager

Ankur Goyal

Tonk

Summary

Results-focused Senior Executive with around 10 years of diverse experience. Strategic and tactical executive with exceptional skills to direct the big picture while keeping sight of critical details. Exemplary communicator and consensus builder with keen insights into people as well as business and finance.

Overview

10
10
years of professional experience

Work History

AVP - Cluster Credit Manager (Mortgage)

AU Small Finance Bank Ltd.
Indore, Madhya Pradesh
10.2022 - Current
  • Main work Portfolio handling along with reporting team, Client PD, Sanction cases.
  • Currently working with team of 43 members. consisting 4 Area credit manager , 16 Credit manager and 23 credit officers under reporting. looking for Indore, Dewas, Ashta, Shujalpur, Dhamnod, Sanawad, Khategaon. Also handled Barwani, Dhar, Pithampur, Khargone, Sendhwa in my working journey at MP So far.
  • Managing largest portfolio PAN India at CCM level .
  • Having sanctioning authority upto 50lacs. Managing monthly around 300+ login No's.
  • Regular co-ordination with Risk, Audit and compliance team.
  • Organize frequently training session along with sales, credit, operation, legal and technical team to achieve assigned targets with minimum errors.
  • Provided leadership, direction, guidance, and support to team members on a regular basis.
  • Created program to promote new managers from within, leading to cohesive leadership structure. I personally gives training to new recruits in sales, credit department . I have been awarded by "Pratyarambh Guru". Also recognized as "Best Manager" under the internal survey done by the organization on the basis of well support and highest voting % by my team mates.
  • Personally meet and do regular conversation with our collection team as managing big portfolio size . Also implements key observations and suggestive guidelines in our cluster area. We works as a team towards collection so best result outcome in Fresh bouncing, ED and POT NPA resolution MOM.
  • I do regular discussion with seniors about business growth, portfolio positioning , recent changes or risk intimation . Also been part of major discussion's with top seniors personals.
  • Prepared staff work schedules and assigned team members to specific duties.
  • Delegated work to staff, setting priorities and goals.
  • Provided leadership, insight and mentoring to newly hired employees to supply knowledge of various company programs.

Senior Manager - Cluster Credit Manager (Mortgage)

Au Small Finance Bank Limited
Churu, Rajasthan
07.2021 - 09.2022
  • Main work Portfolio handling along with reporting team, Client PD, Sanction cases.
  • Before deputing Indore location was handling Churu cluster with team of 21 members and managing portfolio of around 237 Cr.
  • Best portfolio with less than 0.6% NPA and 0.6% POT NPA with good current book size.
  • I have been awarded with Best Cluster Credit Manager for outstanding performance in business, collection , Team retention.
  • Having sanctioning authority upto 50lacs.
  • Regular co-ordination with Risk, Audit and compliance team.
  • Organize frequently training session along with sales, credit, operation, legal and technical team to achieve assigned targets with minimum errors.

Portfolio Credit Manager - Mortgage

Au Small Finance Bank
Jaipur
02.2018 - 06.2021
  • As a portfolio credit manager handled Jaipur Vasihali nagar asset branch, Kalwar Road, Jobner, Phulera, Dantaramgarh locations.
  • Total 5 team members under the reporting.
  • Had sanctioning authority upto 25 lacs and PD authority upto 75Lacs
  • Mainly work to manage branch portfolio, regular engagement with the team mates and planning for business growth with minimizing errors.
  • Keep eye over portfolio health by controlling our fresh bouncing, ED , NPA Etc.
  • Regular engagement and discussion with risk, compliance and audit team.

Manager - BCM (LAP- Mortgage)

HDFC Bank
Kota, Udaipur
08.2016 - 02.2018
  • Handling Kota & Udaipur Hub with around more than 20 branches in my assigned area.
  • Having Sanctioning power up to Rs 30Lacs with NO PD limits.
  • Main work Client PD, Credit Underwriting, Sanction cases up to 30Lacs. Credit underwriting and appraisal of cases under retail segment upto 4Cr limit cases also did PD of high value cases more than 4 Cr.
  • Co ordination with sales, credit team for best TAT delivery and client services. Manages client service issues.
  • Frequent branch visits with liability and asset branch team mates.

Assistant Manager - BCM (Mortgage)

Au Financiers India Ltd.
Chomu
01.2015 - 07.2016
  • Handled Chomu Branch which is PAN india one of Big branch of Au
  • Average Monthly disbursement of Rs 4Cr
  • Done job of Credit underwriting, Case sanction upto Rs 10Lacs, NPA account monitoring
  • Also having monthly average more than 90% collection of 0-30DPD bucket customers
  • Achieved Ever highest Branch disbursement of Rs 7.23Cr in March 2016
  • Case sanctioning power of Rs 10Lacs & visit power up to Rs 35 Lacs loan amount cases.

Management Trainee - Credit Officer

Au financiers (I) Ltd.
Tonk
07.2014 - 12.2014
  • Login files as per bank policy and checklist
  • Process check initiate and co ordinate with vendors for timely report
  • Submission of files after checking complete docs in files to CM
  • Prepare banking and primary CAM Analysis
  • Files disbursement and co ordinate with operations
  • TImely closure of OTC/ PDD documents
  • Focus on branch collections and follow up with clients
  • taking care for client service issue

Education

Chartered Accountant - CA

ICAI
Jaipur
11-2014

M. Com -

MDSU, Ajmer
01.2011

B. Com. -

MDSU, Ajmer
01.2009

Senior Secondary -

Rajasthan Board
01.2006

Secondary -

Rajasthan Board
01.2004

Skills

  • Dedicated to my profession & work
  • Good in Communication & Co-ordination
  • Team Leading skills
  • Self motivated and willing to learn new skills
  • Innovation management
  • Performance Improvement
  • Growth planning
  • Procedure Implementation
  • Strategic Planning
  • Staff Management
  • Report Preparation
  • Business Administration and Business Development
  • Data Analysis
  • Quality Assurance
  • MS Office application viz Excel, word, Power point , Internet

Accomplishments

  • Malaysia foreign trip DJFM Contest winner CCM FY 22-23 for outstanding performance
  • Best Cluster Credit Manager award (SBL K Sultan) in FY 21-22
  • Pratayarmbh Guru Award for training to new joiners
  • Exemption marks in PCC Papers (Cost- 67% & Income Tax - 64%)
  • Exemption marks in Final Paper (Accounts- 60%)
  • ITT Certificate (ICAI)
  • GMCS Certificate (ICAI)
  • Scouting (State Level Certificate)

Professional Qualification - C A

Nov, 2014

Article Ship

Goyal Boochra & Co., Tonk, 3.5 years, Accounting on tally & manually, Bank Audit (SBBJ Aligarh & Keshavrai Patan Branch), Various NGOs Audit, Tax Audit & Local Firms audit, Audit of Central Govt. Org. (NFSM & ATMA Project), Taxation: preparation & presentation, Income Tax & TDS Return, Consultancy and Public Relation, Project Report, Form 10- e preparation (89 relief), Audit of various Trusts & Schools

Language Proficiency

  • English
  • Hindi
  • Rajasthani

Parental Address

10, Krishna Kunj, Tonk, Rajasthan, 304001

Timeline

AVP - Cluster Credit Manager (Mortgage)

AU Small Finance Bank Ltd.
10.2022 - Current

Senior Manager - Cluster Credit Manager (Mortgage)

Au Small Finance Bank Limited
07.2021 - 09.2022

Portfolio Credit Manager - Mortgage

Au Small Finance Bank
02.2018 - 06.2021

Manager - BCM (LAP- Mortgage)

HDFC Bank
08.2016 - 02.2018

Assistant Manager - BCM (Mortgage)

Au Financiers India Ltd.
01.2015 - 07.2016

Management Trainee - Credit Officer

Au financiers (I) Ltd.
07.2014 - 12.2014

Chartered Accountant - CA

ICAI

M. Com -

MDSU, Ajmer

B. Com. -

MDSU, Ajmer

Senior Secondary -

Rajasthan Board

Secondary -

Rajasthan Board

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