Bheemasenrao T
Banker
Raichur,Karnataka
Summary
To start my career in an organization which will provide me enough space to grow and enhance my skills, abilities, capabilities, competencies and experience where I can serve my best to achieve goal sets of the Organization and mine.
Overview
14
14
years of professional experience
Work History
Manager Grade (Relationship Manager)
Axis Finance Ltd.
07.2023 - Current
- Joined as Manager Grade (Relationship Manager) role, working products are all the SME and LAP, LRD, Term Loan, Balance Transfer & Additional loan facility , Acquisition finance and Debt consolidate
- Emerging market Business mid corporate segment min loan ticket size would be 5 Cr and up to 25 cr Net profit method
- Purely cash flow and banking surrogate
- Self employed professional and non self employed up to 7 cr
- Sourcing channels are through DSA/Corporate DSA, Connector model, Individual sourcing channel.
SME Business Banking Relationship Manager
HDFC Bank
02.2022 - 07.2023
- Managing portfolio of 250 crore, 30 customer all are HNI client, SME customer, minimum file sourcing 10 cr
- TL, CC seasonal, Pledge loan, LC, BG facilities will serve
- Managing existing portfolio of 200 crore, all these high-net-worth clients, handling day to day service has to be mange, Call memos, follow up stock statement, digital banking connecting
- Renewal, enhancement & NTB product are handling CC, OD, TL, LC, BG
- Cross selling of Liability products as well some other Assets product of Housing loan
- Having good amount of banking experience
- Well known in banking line, legal as well as valuation, client visit & making pd with customer as well credit manager.
Cluster Manager
SUCO Souhardha Sahakari Bank Ltd
10.2020 - 02.2022
- Area of covering: Yadgir, Shahapur & Kalburgi
- Joined as: Assets Branch Manager in Oct-2020
- Prompted as: Cluster Manager in March 2021
- My roles & Responsible are: To setup entire year Business target for each branch(5branch)
- Advance target 50 core (Overdraft, Term Loan, Business Loan, Consumption Loan, Site purchase loan, Warehouse Receipt loan)& Deposit Targeting of 95 cores for Fy2021-22
- Recovery support, meeting with Recovery Manager Action plan to reduce the NPA, Action plan for Legal support for NPA accounts recovery
- Conducting loan committee meeting for cluster business secured & unsecured loan for cluster
- NPA Targeting for Fy2021-22
- 150 Lakh
- Insurance target is 36 Lakhs
- Pre & Post Sanction visiting for NTB as well as Existing business, report will be kept as record with file & update into credit department
- Follow up with customer as well as empaneled advocate get the Legal & Valuation report
- Follow up Insurance for Stock as well as Property
- 200 core portfolio handling
- Zero deferral & good housekeeping.
Deputy Manager
IDFC First Bank
07.2019 - 03.2020
- Role: Business Banking Relationship Manager
- Product Handled: Overdraft Loan, Term Loan, working capital loan, Turnover method facility done with Retailer & Manufacturer
- During the time I have been nominated for business contest for my best performance got award from Business Head for my best performance & nominated contest of Monsoon Utsava.
Relationship Manager and Portfolio manager
HDFC Bank Ltd.
10.2012 - 02.2019
- Worked as a Relationship Manager and Portfolio manager
- Worked in Agrilending
- Locations covered Belgaum, Hubli & Dharwad
- Products handled: H&T Loan & Farmer funding (funding through corporate guarantee) Corporate clients are EID Parry sugars & Olam Sugars
- Retail Agrilending Individual farmer
- Dealer finance for – Agritraders
- CC – Cash credit & TL – Term loan for Agri traders & allied activity
- Worked towards achieving “0 NPA” of the branch
- Knowledge about the working capital: In-depth analysis of financial statements of clients to analyses the financial ratios, tools like MPBF (maximum permissible Bank finance) and turn over method, which could help in arriving at exact loan amount to be sanctioned to potential customers
- Monthly stock and debtors’ statements collecting to calculate Drawing power (DP), Conducted stock audit of clients every year
- Understanding the client’s business model, assessing the future outlook of them business
- Handling documentation, ensuring adherence to laws and statutory
- Managing Relationship with customers of an existing portfolio of assets (H&T, Farmer funding & retail Agri lending loans) approx
- More than INR 70.00 crore & exploring the opportunities to cross sell other products
- Preparation of document sets required for releasing the sanctioned limits
- Monitoring the portfolio and improve the utilization balance sheet
- Timely renewal and review of existing loan accounts
- New client acquisition (NTB) to the bank
- Growth of the Balance sheet, maximum utilization of limit, cross selling of CASA, Deposits and wealth management products
- We mainly deal with milk Dairy farmers & Milk society accounts, Sugar Factory Suppliers’ farmers accounts, Poultry farm current accounts, Fruit & Vegetable agents current account, Argo processing coy, Cotton ginning factory current & farmers accounts, Oil extraction Coy farmers
- We mainly focus Micro Small & Marginal farmer’s Agribusiness
- The main objective is link up the rural farmer, to reach out the banking product in rural area and Identification of the potential & catch hold the base
- We do payment solution for contract farming & Farmer funding; we appoint a B C point (Business correspond point) through this will be providing all banking services to the particular area
- Service like funds transfer, digital banking activity, Aadhar seeding, cash deposit, withdrawal and all digital banking products
- Warehouse Funding, pledge loan, Crop loan & retail assets
- My roles are into relationship manager for one point of contact for corporate, as well as need to maintain good team in the field
- I hold the team of 2 Sales officers; they need to achieve their target of Retail Agri products, CASA & retail assets
- We focus to activate the CASA which are opened the same month for that we follow to farmers & their payments so that we expect to sold RD, FD & retail assets products
- Prepare a clients list with HNI and managing the portfolio
- Analyse the financial needs of individuals, and try to promote which suits to their requirement
- Also contributed cross sells: I opened the Govt SB accounts for particular funds of the 14th finance, Gram panchayat Staff Salary a/c, Narrega Beneficiary a/c & Beneficiary a/c
- I used to do cross-selling of mutual funds (SIP product), Gold loan & Life & General Insurance product
- I open in a month 10 SB a/c & Rural current a/c, RD & Fixed deposit.
Sales Manager
ING Vysya Bank Ltd.
12.2010 - 12.2011
- Worked as a Sales Manager
- Increase Customer base for conventional banking products increasing the book size of the branch
- Organization Chart: Branch Head > Regional Sales Manager > Sales Manager
- Major Activities: Have a good sales team in place
- To do micro marketing activities
- Motivate the sales team to perform
- Increase the book size of the branch
- To acquire good quality of CASA with a higher value
- Focus on deepening of new relationships
- Manpower & Compliance
- Proper Hiring, Training, and Control Attrition
- Ensure all compliance related Control cost of acquisition
- Maintain cost of acquisition low by acquiring bigger value accounts.
Business Development Executive
Axis Bank Ltd.
11.2008 - 12.2010
- Worked as Business Development Executive
- Basic responsibilities of sourcing Current Accounts and Saving Accounts
- Deepening of existing accounts for Lead generation and Funding
- Cross-Selling of Life Insurance, General Insurance, Gold Loans, Mutual Funds, Cards and other related banking products
- Worked in wealth management - Explain the mutual funds schemes, insurance schemes, handling the portfolio of individual customer
- Prepare DSR (Daily sales report) like follow up status, productivity, day plans, closing leads status
- Improving the deposits and CASA balance sheet growth
- Have been several times awarded and rewarded for my Best performance.
Audit assistant
R.Sreepad & company. Chartered Accountant
11.2004 - 12.2007
- Worked as Audit assistant
- Audit of proprietor concern, Firms, Banks, Review of general ledger, Journal, Bank book Cash book, Purchase register, Sales register
- Computation of total & taxable Income of individuals.
Sales Manager
Reliance Life Insurance Co., Ltd
07.2007 - 12.2007
- Worked as Sales Manager
- Recruit, manage & motivate adviser’s sales team
- Business Generation and subsequent business
- Managing prospect base of advisers
- Lead management
- Develop adviser’s quality through on job training (product knowledge/selling Skillsetc.)
- Ensure that all the advisers activated.
Skills
Competitive Analysis
Market Analysis
Marketing Communications
Sales Support
Marketing Strategies
Special Event Management
Product Development
Computer Literacy: MS excel 2013 version & open office using from last 6 years Pivot table & excel tables
Maritalstatus
Married
Numberofkids
2 kids one is dagughter she is 6 years old and another one is baby boy is 1.8 years
Kidsage
6 years and 1.8 years two kids
Professionalexperience
14 years in banking & Auditor Company
Personal Information
Date of Birth: 06/14/81
Languages
Kannada
Bilingual or Proficient (C2)
Hindi
Intermediate (B1)
English
Advanced (C1)
Telegu
Upper intermediate (B2)
Accomplishments
- Supervised team of 15 staff members.
Interests
Finance filed
watching movies and reading books
I am interested to watching in detective kind of stories and fictitious stories and spiritual stories use t read
Timeline
Manager Grade (Relationship Manager)
Axis Finance Ltd.
07.2023 - Current
SME Business Banking Relationship Manager
HDFC Bank
02.2022 - 07.2023
Cluster Manager
SUCO Souhardha Sahakari Bank Ltd
10.2020 - 02.2022
Deputy Manager
IDFC First Bank
07.2019 - 03.2020
Relationship Manager and Portfolio manager
HDFC Bank Ltd.
10.2012 - 02.2019
Sales Manager
ING Vysya Bank Ltd.
12.2010 - 12.2011
Business Development Executive
Axis Bank Ltd.
11.2008 - 12.2010
Sales Manager
Reliance Life Insurance Co., Ltd
07.2007 - 12.2007
Audit assistant
R.Sreepad & company. Chartered Accountant
11.2004 - 12.2007