Dinesh A
Senior Management
Bhopal,Madhya Pradesh
Summary
With 12+ years of diverse Banking expertise at various positions, I have showcased exemplary leadership and vision in driving business growth and optimising operations as Credit In-charge. Vast tenure in a single company speaks volumes about my commitment, adaptability, and profound knowledge of the industry and regulatory compliance. I also excel in fostering team collaboration and enhancing customer service. Achieved significant improvements in financial health analysis and risk evaluation, contributing to a robust client base expansion.
Overview
13
13
years of professional experience
5
5
years of post-secondary education
Work History
Chief Manager
Credit Incharge
04.2023 - Current
- Directed marketing efforts leading to increased brand awareness and a growing customer base.
- Managed a team of professionals to achieve organisational goals and maintain high productivity levels.
- Processed MSME & Corporate loans (Ticket size of INR 10 Cr to INR 30 Cr) & recommended proposals above INR 30 Cr to Corporate office.
- Conducted financial and investment analysis for quick and effective lending.
- Effective Analysis of company's financial health by reviewing balance sheets, cash flow statements and income statements for correct lending.
- Evaluating potential risks associated with particular investment, loan and credit while reviewing customer's financial situation, credit history, collateral and ability to repay loan on time.
- Implemented effective training programs to enhance employee skills and improve overall job satisfaction.
Chief Manager
Branch Head
07.2021 - 04.2023
- Manage and direct overall branch activities to achieve goals for Business growth and profitability.
- Support expansion of existing business and development of new business across all bank product lines.
- Develop relationships with Top customers and maintain knowledge of customer's banking needs and their service expectations.
- Increased revenue generation by identifying new business opportunities and expanding existing client relationships.
- Maintain up-to-date knowledge of Bank's product offerings.
- Managed and motivated employees to be productive and engaged in work.
- Handle all staffing arrangements and ensure that employees are adequately trained and coached on product knowledge and selling techniques.
Senior Manager
Credit Incharge
07.2019 - 06.2021
- Established strong relationships with clients and stakeholders, ensuring long-term partnerships and repeat business.
- Held monthly meetings to create business plans for Branches under Region and workshops to drive successful business.
- Provided strong leadership to enhance team productivity and morale.
- Consistently met or exceeded annual performance targets set by senior leadership.
- Evaluated potential customers’ creditworthiness and approved Loan requests received from customers.
Senior Manager
Branch Head
05.2017 - 06.2019
- Established strong relationships with clients and stakeholders, ensuring long-term partnerships and repeat business.
- Provided strong leadership to enhance team productivity and morale.
- Consistently exceeded annual performance targets set by Top Management.
Senior Manager
Branch Head
05.2014 - 04.2017
- Develop relationships with Top customers and maintain knowledge of the customer's banking needs and their service expectations.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
- Mentored junior staff members for skill development and career progression within the organization.
Manager
Credit Department
08.2011 - 04.2014
- Accomplished multiple tasks within established timeframes.
- Analyzing CMA data to assess financial position and repayment capacity of the applicant with bank's credit policy compliance.
- Maximized performance by monitoring daily activities and mentoring team members.
- Developed and implemented business strategies to achieve business goals and stay competitive.
- Monitored and analyzed business performance to identify areas of improvement and make necessary adjustments.
Education
IIBF
Certified Credit Professional10.2023
IIBF
CAIIB01.2021
MBA -
Thiagarajar School of Management
Madurai 06.2009 - 04.2011
B.Com (CA) -
The American College
Madurai 04.2006 - 04.2009
Skills
Strategic Planning
Customer Service
Portfolio Management
Leadership and team collaboration
Business growth and optimization
Evaluation of Credit Applications
Languages
Tamil
Bilingual or Proficient (C2)
English
Bilingual or Proficient (C2)
Hindi
Intermediate (B1)
Timeline
Chief Manager
Credit Incharge
04.2023 - Current
Chief Manager
Branch Head
07.2021 - 04.2023
Senior Manager
Credit Incharge
07.2019 - 06.2021
Senior Manager
Branch Head
05.2017 - 06.2019
Senior Manager
Branch Head
05.2014 - 04.2017
Manager
Credit Department
08.2011 - 04.2014
MBA -
Thiagarajar School of Management
06.2009 - 04.2011
B.Com (CA) -
The American College
04.2006 - 04.2009
IIBF
IIBF