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
Planning and Coordination
Training and Development
Multitasking Abilities
Critical Thinking
Certification
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