DIVYA KUMAR MISHRA
COMMERCIAL BANKING AND ASSETS PROFESSIONAL
155, BRIJESHWARI NX Indore
Summary
Extensive experience in Secured lending for SME vertical in form of Mortgages, LAP, Working Capital, Demand Loans, DOD etc along with Large team handling and Channel Management form multiple locations Result Oriented Professional with 16 years of affluent and extensive experience in Retail & Corporate Finance along with Administration, Profit Centre Management, Marketing, Brand Building, Customer Relations, Team handling. Actively involved in operational management of various profit clusters maintaining profitability and revenue generation as per decided frame work preceding day to day activities. Vast experience in, portfolio management, channel/vendor management, Credit appraisals, P&L of cluster, team handling, recruitments. Encouraging manager and analytical problem-solver with talents for team building, leading and motivating, as well as excellent customer relations aptitude and relationship-building skills. Proficient in using independent decision-making skills and sound judgment to positively impact company success. Dedicated to applying training, monitoring and morale-building abilities to enhance employee engagement and boost performance.
Overview
16
16
years of professional experience
2
2
Certifications
Work History
Area Manager (Commercial Banking)- Assets
Bandhan Bank Limited
2022.09 - Current
- Developed strong relationships with clients, leading to increased customer satisfaction and repeat business.
- Improved overall efficiency by identifying areas in need of improvement and implementing necessary changes.
- Coordinated with various departments to facilitate smooth communication, enhancing operational effectiveness.
- Led a team to achieve company goals and exceed targets consistently, fostering a positive work environment.
- Achieved high employee retention rates by creating an inclusive work environment where staff felt valued and supported.
- Increased overall sales by 85% through capitalizing on new potential opportunities and developing and maintaining partnerships with 20 new channels and shareholders
Business Development Manager (Enterprise Lending)
Profectus Capital Limited
2022.02 - 2022.08
- Monitored market trends and competitor activities to identify areas of potential opportunity.
- Developed customized solutions for clients based on a deep understanding of their unique pain points, delivering exceptional value and driving repeat business.
- Identified and pursued valuable business opportunities to generate new company revenue and improve bottom line profit.
- Collaborated closely with marketing teams to develop targeted campaigns that generated high-quality leads for the sales pipeline.
Manager (Corporate Finance SME Lending)
Hero FinCorp LTD
2019.12 - 2022.01
- Managed and motivated employees to be productive and engaged in work.
- Accomplished multiple tasks within established timeframes.
- Maximized performance by monitoring daily activities and mentoring team members.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
Manager (Corporate Finance-SME Lending)
Hero Fincorp Ltd.
2017.08 - 2019.05
- Maximized performance by monitoring daily activities and mentoring team members.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
- Controlled costs to keep business operating within budget and increase profits.
- Maintained professional, organized, and safe environment for employees and patrons.
- Accomplished multiple tasks within established timeframes.
Account Acquisition Manager (SME Mortgages)
Shriram City Union Finance
2014.10 - 2017.07
- Built high-performing teams through effective recruitment, onboarding, and talent development initiatives.
- Streamlined workflows by identifying bottlenecks in existing systems and proactively addressing these challenges through appropriate solutions implementation.
- Developed a strong company culture focused on employee engagement, collaboration, and continuous learning opportunities.
Relationship Manager
Shriram Transport Finance Co. Ltd.
2008.08 - 2013.11
- Created and maintained databases to track customer discussions and preferences for accurate, updated records.
- Played a crucial role in retaining valuable clients during periods of market volatility by addressing concerns proactively and providing expert guidance on portfolio adjustments.
- Evaluated portfolio performance regularly using advanced analytics tools, making strategic recommendations to optimize client returns.
Education
Master of Arts -
Dr Sir Hari Singh Gaur University
Bachelors of Commerce - undefined
Dr Sir Hari Singh Gaur University
Skills
Strategic Planning
Certification
DEVLOPING LEADER IN YOU (Dale-Carnegie Training)
Key Result Areas
- Profit Centre Management
- Team Building and Handholding
- Data Interpretation & Trend Development
- Credit Health check
- Channel Management and Relation handling. Training of DSA staff and updating Team Management and hand holding for various products and policy updates/upgrades.
- Portfolio Management/ Recruitment handling/ Profit Centre Management/ New Product Launch/ Portfolio Retention/ New Market Exploration.
Timeline
Area Manager (Commercial Banking)- Assets
Bandhan Bank Limited
2022.09 - Current
Business Development Manager (Enterprise Lending)
Profectus Capital Limited
2022.02 - 2022.08
Manager (Corporate Finance SME Lending)
Hero FinCorp LTD
2019.12 - 2022.01
Manager (Corporate Finance-SME Lending)
Hero Fincorp Ltd.
2017.08 - 2019.05
Account Acquisition Manager (SME Mortgages)
Shriram City Union Finance
2014.10 - 2017.07
Relationship Manager
Shriram Transport Finance Co. Ltd.
2008.08 - 2013.11
Master of Arts -
Dr Sir Hari Singh Gaur University
Bachelors of Commerce - undefined
Dr Sir Hari Singh Gaur University
DEVLOPING LEADER IN YOU (Dale-Carnegie Training)
COMPETANCY BASED RECRUITMENT PROCESS (Dale-Carnegie Training)
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