Lingaraja Sen
Enterprenure
Bhubaneswar,Odisha
Summary
Talented senior leader highly effective at enabling operational improvements by successfully overseeing and steering executive management team and business direction. Expertise includes effective judgment and listening skills as well as in-depth grasp of industry operations. Proven track record of success in raising capital, generating business and maximizing margins. Enterprising professional with many years of experience overseeing various operations of company. Growth-minded strategist and implementer of key operational improvements through corporate objective triage and situational support. Expert problem-solver and planner with demonstrated business leadership and development skills. Seasoned professional with a background as Chairman. Possess strategic decision-making skills, a track record of leading and enhancing corporate governance, and experience in overseeing company-wide operations. Demonstrated capabilities in building strong relationships with stakeholders while driving growth and improving performance. Noteworthy contributions include implementing effective business strategies, fostering company culture, and ensuring regulatory compliance.
Overview
24
24
years of professional experience
Work History
Chairman Cum Director
DST Group Of Institutions
Bhubaneswar
11.2010 - Current
- Developed and implemented a board-level strategy to ensure the organization's long-term success.
- Organized and chaired regular meetings with board members, shareholders, and senior management to discuss financial performance, business objectives, and risk management.
- Structured HR consulting services to support clients during organizational developments and changes.
- Implemented campaigns and promotions to help with developing goods and services.
- Created policies that established corporate governance standards for the organization.
- Reviewed annual performance reviews of key executives in order to evaluate their effectiveness in leading the organization.
- Promoted ethical practices within the organization by establishing clear guidelines for employee conduct.
- Served as a spokesperson for the organization during times of crisis or controversy.
- Negotiated contracts with vendors who provided services or products necessary for organizational operations.
- Maintained relationships with government officials who had influence over legislative actions affecting the company's interests.
- Thoughtfully contributed to committee plans and strategic decision making.
- Built consensus between factions and devised innovative strategies to improve business decision-making processes.
- Provided organizational leadership and collaborated with executive partners to establish long-term goals, strategies and company policies.
- Fostered collaboration and development of new practices by business leaders.
- Implemented strategic offerings to enhance company's suite of products and services.
- Hired, trained, and mentored the staff members to maximize productivity.
- Developed and implemented comprehensive strategies to improve operational processes and organizational efficiency.
- Directed the organization's daily operations, ensuring compliance with applicable laws and regulations.
- Conducted regular meetings with department heads to review progress on strategic initiatives.
- Developed policies and procedures to ensure compliance with corporate standards.
Regional Risk Manager
Reliance Capital (Consumer Finance Business)
06.2007 - 10.2010
- Successfully handling the Credit Department of the Branch
- Underwriting new proposals of personal loan, analyzing financial statements of the proposed borrowers with the stress on Balance Sheet Analysis, Ratio Analysis, Calculation of Maximum Possible Bank Finance
- Performing pre-sanction inspection and investigation, maintaining documentation & assuring correct disbursal commensurate with company’s IRR
- Monitoring, making recovery and conducting follow ups with the customers regarding advances disbursed
- Reviewing and analyzing portfolio to maintain asset quality, imparting training to new joinees in bringing them up to the learning curve
- Enrolling credit processing agencies (CPAs), setting processes and systems and monitoring activities to maintain a healthy credit portfolio (delinquency Mgt).
- Participated in meetings with outside consultants regarding ongoing projects related to identifying and mitigating risks within the organization.
- Evaluated vendor performance relative to their ability to meet contractual requirements while also minimizing potential risks associated with those relationships.
- Managed a team responsible for monitoring changes in relevant laws, regulations, standards, best practices., as they pertain to risk management activities.
- Escalated identified risk issues, challenges and trends to senior management and delivered risk-related documents for audit and regulatory exams.
- Developed statistical models for risk assessment to other departments for investment plan evaluation.
- Performed risk assessment, planning and analysis of processes and prepared reports for management teams.
- Analyzed reporting strategies and data to create educational programs.
- Designed programs and protocols to control company loss and minimize adverse financial impact.
State Head - Area Risk Manager
Centurion Bank of Punjab Ltd.
New Delhi
01.2006 - 05.2007
- Successfully launched personal loans at Ludhiana in the year Jan 2006
- Responsibility of handling full time CPA shop for credit processing, operations & Disbursement
- Responsibility of making credit appraisal of proposals for sanctioning it
- Responsible of institutional tie up’s for personal loans.
- Developed strategies to mitigate risk and reduce potential losses.
- Monitored changes in laws and regulations that could impact the organization's operations.
- Coordinated with external auditors to review financial processes for accuracy and completeness.
- Reviewed contracts and agreements for potential liabilities or exposures prior to signing.
- Provided guidance and advice on how to handle high-risk situations appropriately.
- Performed periodic reviews of existing systems, processes, and procedures in order to minimize potential risks.
Credit Manager for PL and Two-wheeler
Citi Financial Consumer Finance (I) Ltd.
Delhi
06.2002 - 12.2005
- Handled full time CPA shop for credit processing, operations & Disbursement for PL and TW loans
- Maintained cordial relations with operations & sales department definitely for the betterment of the business as a whole.
- Developed and maintained relationships with customers to ensure prompt payments on accounts receivable.
- Analyzed financial data to determine the degree of risk involved in extending credit.
- Negotiated repayment plans with debtors who were unable to pay their full balance due immediately.
- Reviewed customer accounts for potential write-offs or adjustments due to inaccurate invoicing or defective merchandise returns.
- Investigated discrepancies between actual balances owed by customers versus amounts recorded in company's accounting system.
- Evaluated customer applications for credit limits in accordance with established guidelines.
- Maintained complete records of all customer accounts including contact information, payment history, notes on collection efforts and related documents.
- Coordinated the preparation of legal documents used in collections proceedings when necessary.
- Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
- Managed reporting, documentation and recordkeeping requirements for department.
Project Manager
Keane World Zen
Gurgaon
03.2001 - 05.2002
- Prepared project reports, projected balance sheet, profit & loss account, cash flow statement
- Maintained and handled all of them with great care
- Successfully achieved the target within the stipulated time frame.
Education
Bachelor in Electro- Homoeopathic Medical & Surgery - Electro- Hommoeopathy
NEHM
New Delhi05-2022
M.B.A in Finance & Marketing -
Institute Of Professional Studies & Research (IPSAR)
01.2000
Post Graduate Diploma in Computer Application -
IPSAR
01.2000
B.Com (Accountancy Hons.) -
Nimapara College, Utkal University, Orissa
01.1997
Skills
- Organizational Leadership
- Budget Management
- Financial Acumen
- Stakeholder Relations
- Innovation management
- Meeting oversight
- Policy Development
- Meeting leadership
- Corporate Governance
- Process Improvements
- Staff Development
- Strategic leadership
- Channel Management
- New Business Development
- Profit and Loss Management
- Business Administration
- Marketing and Advertising
- Staff Management
- Solution Innovation
- Turnaround Management
- Process Improvement
- Resource Utilization
- Brand Management
- Organizational Development
Personaldossier - Languagesknown
- English
- Hindi
- Oriya
Organisationalexperience
- joinersl Risk Manager, Personal Loan Department at Reliance Capital (Consumer Finance Business), Successfully handling the Credit Department of the Branch., Underwriting new proposals of personal loan, analyzing financial statements of the proposed borrowers with the stress on Balance Sheet Analysis, Ratio Analysis, Calculation of Maximum Possible Bank Finance., Performing pre-sanction inspection and investigation, maintaining documentation & assuring correct disbursal commensurate with company’s IRR., Monitoring, making recovery and conducting follow ups with the customers regarding advances disbursed., Reviewing and analyzing portfolio to maintain asset quality, imparting training to new joinees in bringing them up to the learning curve., Enrolling credit processing agencies (CPAs), setting processes and systems and monitoring activities to maintain a healthy credit portfolio (delinquency Mgt)., Successfully launched personal loans at Chandigarh and Ludhiana., Hired all the CPAs, credit managers, Vendors and set the process and trained them for PL business at RCL., Achieved a bench mark of Rs.8.62 Crore disbursal within 2 days of TAT in the first month.
- Area Risk Manager (PL), Centurion Bank of Punjab Ltd., Successfully launched personal loans at Ludhiana in January 2006., Responsibility of handling full time CPA shop for credit processing, operations & Disbursement., Responsibility of making credit appraisal of proposals for sanctioning it., Responsible for institutional tie ups for personal loans., Launched personal loans at Ludhiana/Spokes, maintained the lowest delinquency rate in PAN India at CBOP., Successfully handled 13 Credit Managers / Officers at CBOP in Delhi., Set the process of PL business within the TAT of 3 days in Delhi., Helped to achieve the growth of PL business in Delhi from 18 crores to 67 crores with minimum delinquency.
- Credit Manager for PL and Two-wheeler, Citi Financial Consumer Finance (I) Ltd., Delhi, Handled full time CPA shop for credit processing, operations & Disbursement for PL and TW loans., Maintained cordial relations with operations & sales department definitely for the betterment of the business as a whole.
Personal Information
Date of Birth: 17/09/19175
Timeline
Chairman Cum Director
DST Group Of Institutions
11.2010 - Current
Regional Risk Manager
Reliance Capital (Consumer Finance Business)
06.2007 - 10.2010
State Head - Area Risk Manager
Centurion Bank of Punjab Ltd.
01.2006 - 05.2007
Credit Manager for PL and Two-wheeler
Citi Financial Consumer Finance (I) Ltd.
06.2002 - 12.2005
Project Manager
Keane World Zen
03.2001 - 05.2002
Bachelor in Electro- Homoeopathic Medical & Surgery - Electro- Hommoeopathy
NEHM
M.B.A in Finance & Marketing -
Institute Of Professional Studies & Research (IPSAR)
Post Graduate Diploma in Computer Application -
IPSAR
B.Com (Accountancy Hons.) -
Nimapara College, Utkal University, Orissa
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