Dharamchand V Patel
Assistant General Manager
Mysore
Summary
Proactive Assistant General Manager with history of success managing operations, building teams and equipping employees with skills to independently handle business needs. Offers progressive experience combined with sound judgement and good problem-solving abilities. Strong record of surpassing organizational goals.
Versatile Assistant General Manager with 7 years of experience overseeing daily banking and financial operations. Decisive planner and analytical problem solver with skill in managing teams to meet stringent objectives. Personable and collaborative demeanor demonstrated through polished communication and willingness to apply team feedback to resolve challenges.
Overview
22
22
years of professional experience
10023
10023
years of post-secondary education
Work History
Assistant General Manager
Small Industries Development Bank of India
Bhuj, Ahmedabad, Vadodara, Faridabad, MYsore
04.2018 - Current
- Worked across different locations of India viz Bhuj (2018), Ahmedabad (2018-2019), Vadodara (2019-2020), Faridabad (2020-2025) and presently in Mysore
- Joined Faridabad in June 2020 with loan portfolio of Rs. 350 Crore and left in April 2025 with Rs. 813 Crore
- Experience in Branch Management, Credit Appraisal, Customer Management, Team Management,
- Business Development for the bank
- Supervising and checking credit Appraisal for proposals of Risk Capital, Project Finance and Working Capital
- Execution of Security Documents
- Monitoring and follow up of existing assets
Manager
Small Industries Development Bank of India
Vadodara, Mumbai, Thane
11.2008 - 03.2018
- Worked across branch and head office – Vadodara (2008-2013), Mumbai Head Office (2013-2016) and Thane (2016-2018)
- Business Development for the bank
- Credit Appraisal for proposals of Risk Capital, Project Finance and Working Capital
- Generation and Execution of Security Documents
- Monitoring and follow up of existing assets
- Compliance with various Internal Guidelines and Regulatory norms
- Due diligence of the Borrower, Promoters, & Supplier’s.
- Controlling and Monitoring of stressed accounts
- Head Office Department in Service Sector Vertical
- • Development of new schemes for branches
- • Monitoring the portfolio on Pan India Basis
- • Co-Ordination with other vertical and branches
Credit Manager
Kotak Mahindra Bank LTD
Mumbai
01.2008 - 11.2008
- Credit revalidation of the business, assessing the credit worthiness of the applicants for various types of loans and reviewing the adequacy of the documents.
- Reviewing Credit Risk Revalidation process and ensuring integrity and relevance of Credit rating system.
- To suggest improvement to Marketing dept in analyzing potential customers.
- Reviewing the transactions in accordance with Company’s policies & guidelines.
- Follow up on Infant delinquency cases
Credit Executive
L & T Finance LTD
Mumbai
07.2007 - 01.2008
- Appraising proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning loans, ensuring compliance with credit policies of the organization
- Reference check & Repayment check with other finance, which help in Credit decision.
- Maintaining MIS for all details, which include login of files, sanctions, and queries in order to have an updated system
CPA Manager
Pamac Finserve P Ltd
Mumbai
02.2006 - 06.2007
- Appraising proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning / disbursing loans, ensuring compliance with credit policies of the organization
- Managing complete branch operations with key focus on top line and bottom line profitability by ensuring optimal utilization of available resources
- Preparation of Training Register, Deviation Register & Complaint Register as per ISO requirement.
- Maintaining MIS for all details, which include login of files, sanctions, disbursement and queries in order to have an updated system.
- Managing Team of 40 Members
Dept Head for Personal Loans
Pamac Finserve P Ltd
Vadodara
04.2003 - 02.2006
- Company Overview: (CPA of HDFC Bank Ltd)
- Checking of Files
- Processing the File as per Credit Policy
- Preparing Credit Appraisal Memorandum (CAM)
- Finding out credit worthiness of customer as per given financial.
- Final Audit of Files of Credit Approval
- Disbursement of Files
- Managing Team of 6 Member
- (CPA of HDFC Bank Ltd)
Education
PGDM Finance -
Indira Gandhi National Open University
Indira Gandhi National Open University 04.2001 - Current
Taxation Practice - Taxation Practice
M. S. University Baroda
M. S. University Baroda04.2003
M.COM. - Accounting & Financial Management
M. S. University Baroda
M. S. University Baroda04.2002
Bachelor of Commerce -
M. S. University of Baroda
M. S. University Of Baroda04.2000
Higher Secondary Certificate -
G.H.S.E.B
G.H.S.E.B03.1997
Secondary School Certificate -
G.S.E.B
G.S.E.B03.1995
Skills
Branch management
Business Development
Customer Management
Portfolio Management
Personal Information
- Caste: Hindu Patel
- Date of Birth: 07/25/80
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Timeline
Assistant General Manager
Small Industries Development Bank of India
04.2018 - Current
Manager
Small Industries Development Bank of India
11.2008 - 03.2018
Credit Manager
Kotak Mahindra Bank LTD
01.2008 - 11.2008
Credit Executive
L & T Finance LTD
07.2007 - 01.2008
CPA Manager
Pamac Finserve P Ltd
02.2006 - 06.2007
Dept Head for Personal Loans
Pamac Finserve P Ltd
04.2003 - 02.2006
PGDM Finance -
Indira Gandhi National Open University
04.2001 - Current
Taxation Practice - Taxation Practice
M. S. University Baroda
M.COM. - Accounting & Financial Management
M. S. University Baroda
Bachelor of Commerce -
M. S. University of Baroda
Higher Secondary Certificate -
G.H.S.E.B
Secondary School Certificate -
G.S.E.B
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