Summary
Overview
Work History
Education
Skills
Timeline
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Chandra Kumar Awasthi

Chandra Kumar Awasthi

Regional Manager-Individual Lending
Raebareli

Summary

Dynamic Regional Manager with extensive experience at Sonata Finance Pvt. Ltd., excelling in portfolio growth and risk mitigation. Proven leadership in managing diverse teams, managing a 7% Portfolio at Risk, and enhancing operational efficiency. Skilled in client relationship management, driving business expansion through strategic market analysis and staff development.

Overview

12
12
years of professional experience

Work History

Regional Manager – Individual Lending

Sonata Finance Pvt. Ltd
01.2021 - Current
  • Oversee 14 branches, managing 76 employees, and a ₹162 crore loan portfolio.
  • Maintain Portfolio at Risk (PAR) at 7%, and a workforce attrition rate below 15%.
  • Supervise loan disbursement, collections, and portfolio performance across branches.
  • Enforce credit policies and regulatory guidelines.
  • Plan regional portfolio growth and mitigate risk.
  • Mentor and train branch managers and field staff for operational excellence.
  • Prepare and submit financial and operational reports to senior management.
  • Collaborate with risk, compliance, audit, and collection teams.
  • Conduct regional market analysis, and optimize lending strategies.

IL-Incharge (Individual Lending)

Sonata Finance Pvt. Ltd.
10.2018 - 12.2021
  • Led IL portfolio growth and financial target achievement.
  • Managed the loan lifecycle: selection, appraisal, disbursement, monitoring, and recovery.
  • Assured regulatory and policy compliance.
  • Supervised IL officers and field teams to drive recovery and minimize NPAs.
  • Planned client expansion and market research for new lending areas.
  • Organized training programs to improve team efficiency and customer service.

Branch Manager

Sonata Finance Pvt. Ltd.
07.2015 - 09.2018
  • Ensured policy and regulation compliance for branch operations.
  • Streamlined processes, increased branch productivity, and improved customer service.
  • Resolved client complaints and maintained the company reputation.
  • Led marketing campaigns to grow local visibility.
  • SCVs on regular and PAR accounts.
  • Maintaining files and registers
  • Market/Locality Survey to identify new areas for business

Assistant Branch Manager

Sonata Finance Pvt. Ltd
11.2013 - 06.2015
  • Conducted weekly branch performance meetings for enhancing Branch performance
  • Visiting the customer as a surprise visit.
  • Loan disbursement to eligible customers.
  • Maintaining files and registers.
  • Visiting of PAR customers for resolve the collections issues
  • Managed recruitment, team motivation, and training.
  • Implemented unified business practices across branches.
  • Collaborated for enhanced customer service

Education

Bachelor of Arts -

Gandhi Mahavidhyalay
Ghurwara, Raebareli
04.2001 -

Skills

Leadership & Team Management

Client Relationship Management

Training & Staff Development

Reporting & Analysis

Risk Mitigation & Regulatory Compliance

Business Growth & Market Expansion

Punctuality & Continuous Learning

Timeline

Regional Manager – Individual Lending

Sonata Finance Pvt. Ltd
01.2021 - Current

IL-Incharge (Individual Lending)

Sonata Finance Pvt. Ltd.
10.2018 - 12.2021

Branch Manager

Sonata Finance Pvt. Ltd.
07.2015 - 09.2018

Assistant Branch Manager

Sonata Finance Pvt. Ltd
11.2013 - 06.2015

Bachelor of Arts -

Gandhi Mahavidhyalay
04.2001 -

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Chandra Kumar AwasthiRegional Manager-Individual Lending