ASHISH KUMAR SINGH
Lucknow
Summary
A multi-faceted banking professional offering 11 years of experience, acknowledged for working in various areas such as Credit Management, Relationship Management, Operations, Recovery & Administration.
Strengths include robust interpersonal skills, strategic planning abilities, and aptitude for fostering positive rapport among staff and clients. In prior roles, significantly improved customer satisfaction ratings through exceptional service delivery while consistently achieving business objectives.
Overview
11
11
years of professional experience
Work History
HDFC Bank
Hardoi
09.2023 - Current
- Relationship Manager responsible for managing 12 branches of Lucknow and Hardoi cluster pertaining to Asset products
- Acquiring new clients and maintaining relationship with existing clients
- Assessing the credit needs of the clients and delivering within stipulated time as per credit norms of Bank
- Maintaining a minimum deferrals and ensure compliance of Credit conditions as per appraisal
- Achieving the business targets assigned and growth of portfolio on a monthly basis
Branch Manager
Muthoot Finance
Lucknow
04.2023 - 08.2023
- Managing the Branch as Branch Head and carrying out functions of achieving overall business targets as well as day to day operations while ensuring compliance
- Maintaining cooperative and effective working relationships with all external and internal customers to ensure timely payment of credit overdue and resolution of customer queries
- Achieved branch sales targets in Advances, Liabilities Products, Third Party Products such as Mutual Funds, Insurance and in Assets Products
Manager - Credit Regional Office
IDBI Bank
Kanpur
12.2018 - 03.2021
- Company Overview: Regional Office
- Developing organizational systems for credit control, business development, financial reports, & schedules
- Suggesting approval or disapproval of SME, Agri Business and Retail loans
- Obtaining sufficient information to assess the credit-worthiness of newly proposed and existing customers and ensured that all clients meet the company requirements
- Maintaining cooperative and effective working relationships with all external and internal customers to ensure timely payment of credit overdues and resolution of customer queries
- Highlights: Acquired new credit business and supervised a credit portfolio of 1100 Cr
- Spread across 40 branches in 23 locations
- Managed portfolio of 7 branches in order to minimize credit slippage and ensure compliance with credit administrative norms
- Managed digital banking and emerging payments for 40 branches in terms of new business acquisition and overall growth independently
- Reported and directed staff accountability issues in over 5000 cases to designated authorities in accordance with Reserve Bank of India guidelines for prompt resolution
- Regional Office
Credit Manager and Assistant Branch Head
IDBI Bank
Hardoi
06.2014 - 12.2018
- Managed Credit portfolio of branch for 5 years carrying out functions of achieving overall business targets as well as day to day operations while ensuring compliance
- Raised the credit portfolio of the branch from 6 Cr to 50 Cr with minimum NPA
- Achieved branch sales targets in Liabilities Products, Third Party Products such as Mutual Funds, Insurance and in Assets Products
Assistant
Union Bank of India
Balrampur
06.2013 - 05.2014
- Managed various accounting transactions and addressed client queries on checking savings accounts, deposits, loans, & lines of credit
- Accomplished high-volume money counts accurately using both manual and machine-driven procedures
- Elevated financial service sales with the help of cross-selling techniques
Education
B.Tech. - Civil Engineering
Integral University
Lucknow07-2012
Intermediate Certificate -
Saint Dominic Savio College
Lucknow06-2007
High School -
City Montessori School
Lucknow06-2005
Skills
- Credit Underwriting
- Relationship Management
- Recovery Management
- Branch Management
- Risk Management
- NPA Management
- Business Development
- Banking Operations
- Reporting & Compliance
Accomplishments
- JAIIB, 05/01/14
- GATE, 01/01/12, 89.64
Languages
- English
- Hindi
Personal Information
Date of Birth: 3rd May, 1990
Timeline
HDFC Bank
09.2023 - Current
Branch Manager
Muthoot Finance
04.2023 - 08.2023
Manager - Credit Regional Office
IDBI Bank
12.2018 - 03.2021
Credit Manager and Assistant Branch Head
IDBI Bank
06.2014 - 12.2018
Assistant
Union Bank of India
06.2013 - 05.2014
B.Tech. - Civil Engineering
Integral University
Intermediate Certificate -
Saint Dominic Savio College
High School -
City Montessori School
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