Jethanand Chopra
Summary
Experienced professional with a remarkable 40-year tenure at Bank of Baroda, specializing in NPA Recovery Management, Profit Centre Management, Credit Operations, Business Development, Portfolio Management, and Relationship Management. Retired as Chief General Manager (Stressed Assets Management) from Bank of Baroda on November 30th, 2023. Possesses versatile skills in project management, problem-solving, and collaboration. Brings a fresh perspective and strong commitment to quality and success. Recognized for adaptability and a proactive approach in delivering effective solutions.
Overview
12
12
years of professional experience
Work History
Chief General Manager
Bank Of Baroda
05.2021 - 11.2023
- Leading Stressed Assets Division, overseeing global portfolios (Domestic/International) as the Vertical Head.
- Demonstrating expertise in managing large stressed accounts, specializing in Loan Recovery/Resolution and Loan Restructuring with heightened security measures.
- Collaborating closely with Business, Collections, and Credit Teams to formulate and recommend tailored resolutions for Stressed Asset Accounts.
- Streamlining loss claim recovery processes for identified critical accounts, while possessing a strong working knowledge of legal aspects such as SARFAESIA, DRT, NCLT, etc.
- Fostering strong networks and communication channels with banks, NBFCs, ARCs, and infrastructure developers.
- Taking decisive actions in coordination with the legal department, determining cases suitable for restructuring and those necessitating legal intervention for recovery.
- Analyzing credit quality, controlling delinquencies and mitigating frauds, thereby contributing in quality portfolio leading to a healthy branch profitability.
- Taking prudent credit decision & sanctioning proposal based on available information & interactions with applicants. Facilitating credit appraisal, monitoring CPA processing and facilitating final disbursal.
- Engaging with customers at their business place and analyzing their financial potentiality.
- Devising an integrated credit risk management framework; ensuring assessment of credit risk operations and reporting on any process deviations; taking fraudulent risk mitigation measures.
Advisor Banking
Central Vigilance Commission
11.2018 - 05.2021
- Deputed for 2.5 years at Central Vigilance Commission, managing and handling a substantial volume of Vigilance and Non Vigilance cases related to finance within the Banking and Financial Institutions sector.
- Acquired versatile experience in Vigilance matters.
Regional Head
Bank Of Baroda
06.2017 - 11.2018
- Led complete Retail Banking operations across the region for their GL Growth, Operations, Compliance, P&L Management, Credit & Loan Administration and Customer Service.
- Spearheaded business development operations.
- Ensured achievement of monthly branch-wise sales targets across all products. Oversaw customer service and compliance for the entire region.
- Ensured timely delivery in accordance with the revenue budget for the entire region across all products.
- Orchestrated customer-oriented operations to achieve satisfaction and meet delivery and service quality standards in banking operations.
Assistant General Manger (Stress Assets & Credit)
Bank of Baroda
07.2014 - 06.2017
- Achieved assigned recovery targets to contribute to organization's financial performance. Monitored and controlled all overdue cases.
- Implemented new strategies and tactics to improve collections and recovery performance, while providing training and coaching for staff improvement.
- Possessed working knowledge of corporate credit, collection agencies, legal, and compliance procedures.
Branch Head
Bank Of Baroda
06.2011 - 06.2013
- Administered efficient daily operation of a full-service branch office.
- Achieved individual and branch sales goals through new business sales, referrals, and account relationship retention. Reviewed Quarterly and Monthly targets.
- Conducted learning workshops and sessions for employees.
- Tracked inflow and outflow of reports (e.g., account closures, account openings, Fixed Deposit renewals/closures) for daily business generation.
- Maintained customer relationships through sourcing and on-boarding processes.
Education
M.Com - Accounts And Business Statistic
Certified Associate of Indian Institute of Banker
Skills
- Credit Operations & Management
- NPA Recovery Management
- Restructuring of Stressed Assets
- Internal Controls
- Fraud & Risk Management
- Revenue/ P&L Management
- Branch Operations & Management Credit
- Management
- Team leadership
- Risk mitigation
- Strategic Thinker
- Innovative
Accomplishments
- Appointed as a Director on the Boards of NARCL and CERSAI by the bank.
- Selected as a member of the Steering Committee on Stressed Assets for 18.
Timeline
Chief General Manager
Bank Of Baroda
05.2021 - 11.2023
Advisor Banking
Central Vigilance Commission
11.2018 - 05.2021
Regional Head
Bank Of Baroda
06.2017 - 11.2018
Assistant General Manger (Stress Assets & Credit)
Bank of Baroda
07.2014 - 06.2017
Branch Head
Bank Of Baroda
06.2011 - 06.2013
M.Com - Accounts And Business Statistic
Certified Associate of Indian Institute of Banker
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