Khijar Kotwal
Business Loan
Shivankhed Khurd Tq Ahmadpur Dist Latur
Summary
Key Career Achievements
Bharat Ki Shan Award (IDFC): Ranked among the Top 3 Performers in Maharashtra for outstanding sales and portfolio management.
International Recognition: Qualified for the Malaysia International Tour based on exceptional target achievement.
Rockstar Performer: Consistently met "Rockstar" criteria with monthly disbursements exceeding ₹30 Lakhs+.
Certified Excellence: Recipient of 14 Rockstar Certificates for consistent performance and operational excellence.
Overview
8
8
years of professional experience
1
1
Language
Work History
Senior Assistant Relationship Manager
IDFC First Bank
02.2022 - Current
•Professional Summary
Results-driven Finance Professional with over 4 years of experience in the MSME lending sector. Proven track record in managing high-volume portfolios and achieving significant business growth in the Dharashiv market. Expert in credit assessment, relationship management, and driving disbursements for Micro-Enterprise loans.
•MSME Lending: Specialization in loans ranging from ₹1 Lakh to ₹15 Lakh.
•Portfolio Management: Successfully handling a diverse base of 400+ customers.
•Market Growth: Achieved and maintained a Portfolio Size (POS) of ₹6 Crores.
•Relationship Management: Strong local network and customer retention strategies in Dharashiv.
Relationship Officer
New Opportunity Consultancy Private Limited
01.2021 - 01.2022
Group Lending: Successfully formed and managed Joint Liability Groups (JLG) for micro-credit disbursement.
Sourcing & Training: Identified potential women entrepreneurs and conducted Compulsory Group Training (CGT) to explain loan terms and joint liability concepts.
Collection Efficiency: Conducted regular center meetings for timely EMI collections, consistently maintaining high repayment rates.
Digital Operations: Utilized digital tools for customer onboarding, KYC verification, and loan documentation as per banking partner standards.
Senior SM
Vaya Finserv Private Limited
08.2018 - 12.2020
Group Lending: Successfully formed and managed Joint Liability Groups (JLG) for micro-credit disbursement
Education
Bachelor of Science -
Skills
Computer skills
Task prioritization
Presentation creation
Business acumen
Timeline
Senior Assistant Relationship Manager - IDFC First Bank
02.2022 - Current
Relationship Officer - New Opportunity Consultancy Private Limited
01.2021 - 01.2022
Senior SM - Vaya Finserv Private Limited
08.2018 - 12.2020
Sanjivani Mahavidyalaya Chapoli - Bachelor of Science,