Kiran Nikade

● Leveraging market research to unearth untapped growth opportunities within the local community, crafting highly targeted campaigns that resonate with key customer segments.
● Managing a diverse portfolio worth 8050 crores, driving exceptional results through strategic oversight and relationship-building with high-value clients.
● Fostering team engagement by championing open communication, celebrating achievements, and implementing innovative recognition and reward programs to boost morale.
● Designing and executing sales strategies that seamlessly align with organizational goals, fueling consistent branch revenue growth.
● Transforming branch banking services by introducing customer-centric strategies and optimizing operational workflows to enhance service delivery.
● Elevating client satisfaction levels by delivering personalized service and swiftly addressing concerns to exceed expectations.
● Catalyzing profitability through the development of innovative products, services, and marketing initiatives that capture new market share.
● Cultivating a positive, collaborative work environment that nurtures innovation, encourages knowledge-sharing, and supports professional development.
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● Directed Credit Underwriting for South Maharashtra, exercising sanctioning authority to ensure sound credit decisions and risk management.
● Architected and optimized a comprehensive appraisal system tailored to the region, enhancing efficiency and consistency in the credit evaluation process.
● Steered over 800+ sanctions per month, totaling approximately 150 crores, while mitigating NPA levels to below 1%, preserving portfolio quality and minimizing risk exposure.

● Orchestrated innovative marketing and business development strategies that aligned with organizational goals, driving long-term profitability and market penetration.
● Oversaw a loan book worth 2300 crores, driving sustainable growth through effective risk management and strategic decision-making.
● Engaged potential clients across multiple channels (telephone, email, and in-person meetings), cultivating strong relationships and expanding the customer base.
● Revamped underperforming builder projects by introducing customized solutions, unlocking new revenue streams and improving project profitability.
● Conducted comprehensive market research to identify lucrative opportunities in Professional Loans, paving the way for targeted product offerings.
● Capitalized on emerging business opportunities, propelling new revenue streams and significantly boosting bottom-line profitability.
● Synthesized customer data and performed a detailed needs analysis, tailoring services to meet client requirements and improve satisfaction.
● Managed an undisbursed portfolio, streamlining processes to ensure timely closures and mitigate outstanding cases.
● Resolved audit queries with precision, eliminating discrepancies and achieving a zeroized status, demonstrating compliance and operational excellence.
● Oversaw portfolio housekeeping, ensuring proactive fee collections, addressing EMI/PEMI defaults, and accelerating digitalization to improve service turnaround times.
● Transformed business performance in the territory, increasing monthly sanctions from 45 crores to 80 crores within just 4-5 months through targeted strategy and execution.

● Spearheaded upcountry NPA portfolio management, engaging senior leadership and stakeholders on risk assessments, mitigation strategies, and weekly status updates.
● Led comprehensive planning and execution of upcountry collections, driving process efficiency and improving portfolio quality.
● Reduced NPA from 2.9% to 1.1% within one year, significantly enhancing portfolio health and minimizing credit risk.
● Directed a successful team effort to recover 100+ possessions, reducing REACH product NPA from 4.3% to 1.5% by implementing targeted recovery strategies.

● Drove 45% year-on-year business growth for three consecutive years by resolving operational issues and enhancing service delivery across the territory.
● Cultivated high-performing teams by collaborating effectively and setting clear performance targets, resulting in superior customer service outcomes.
● Mastered a new product line in Solapur, successfully penetrating 60% of the doctors' portfolio, significantly expanding market reach.
● Streamlined reporting processes by designing and implementing Excel-based tracking systems for daily, weekly, and monthly business performance updates.

● Directed high-profile loan closings and underwriting processes, ensuring timely submission of conversion packages to senior executives.
● Negotiated optimal terms with customers, agents, and brokers, enhancing coverage, pricing, and service delivery.
● Mentored and led underwriting teams, fostering high performance to meet departmental production goals.
● Ensured compliance with underwriting guidelines, making data-driven decisions on acceptance or modification of business proposals.

● Proactively identified solutions for clients with credit issues, offering tailored financial counseling to improve overall financial health.
● Monitored loan pipelines and evaluated applicants' credit histories to ensure feasibility and alignment with lending policies.
● Led loan personnel, motivating them to achieve exceptional customer service and performance standards, enhancing team efficiency.
● Collaborated cross-functionally to ensure seamless loan processing, identifying and resolving issues to meet customer needs and organizational goals.