Playing Chess
BHAGWATI CHANDRA JHA
Dy Vice President-Cluster Business Head
SURAT
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
13
13
years of professional experience
2
2
years of post-secondary education
1
1
Certification
4
4
Languages
Work History
Cluster Head
Au Small Finance Bank Ltd.
Surat
07.2021 - Current
- Identified key product drivers for merchandise presentation to enhance sales.
- Planned and managed budgets by initiating and assessing cost control techniques.
- Coached and counseled sales personnel, assisting with individual selling efforts and helping sales representatives reach targets.
- Maintained ethical and positive working environment to reduce turnover and promote high retention rates.
- Monitored facility managers and staff performance through quarterly review assessments.
Regional Credit Manager
Au Small Finance Bank Ltd
Mumbai
07.2018 - 07.2021
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
Area Credit Manager
Au Financiers India Ltd.
Surat
05.2015 - 06.2018
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Reviewed and analyzed loan procedures.
- Monitored accounts for signs of fraud and non-payment issues.
Branch Manager
Au Financiers India Pvt Ltd.
Mehsana
04.2011 - 04.2015
- Submitted loan applications to underwriter for verification and recommendation.
- Implemented service improvements to enhance sales cycle.
- Complied with regulatory guidelines and requirements.
- Boosted sales and customer loyalty through incentive programs.
- Evaluated project applications and verified with outline specifications to approve, reject and recommend adjustments.
- Completed filings and upheld strict compliance with regulatory agencies and supervisors.
Education
MBA - Finance
L N Mishra College of Business Management
Muzaffarpur 07.2008 - 08.2010
Skills
Attention to Detail
undefinedCertification
Diploma in Computer Application
Interests
Reading Books
Travelling Hill Stations
Timeline
Cluster Head
Au Small Finance Bank Ltd.
07.2021 - Current
Regional Credit Manager
Au Small Finance Bank Ltd
07.2018 - 07.2021
Area Credit Manager
Au Financiers India Ltd.
05.2015 - 06.2018
Branch Manager
Au Financiers India Pvt Ltd.
04.2011 - 04.2015
Diploma in Computer Application
12-2008
MBA - Finance
L N Mishra College of Business Management
07.2008 - 08.2010
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