Krishna Choudhary

• Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
• Built and maintained relationships with new and existing clients while providing high level of expertise.
• Maintained knowledge on banking products and distribution to provide optimal service support.
• Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
• Provided exceptional customer service, resolving issues promptly and maintaining client trust throughout the resolution process.
• Coordinated efforts between various departments such as sales, credit assessment, operations teams for smooth delivery of services to clients.
• Negotiated and closed complex deals with key clients, securing significant revenue streams.
• Built trust with clients by maintaining confidentiality and handling sensitive information professionally at all times.
• Worked with branch partners to maximize sales efforts to business customers and cross-sell other products and services.
• Managed a diverse portfolio of high-net-worth clients, ensuring satisfaction and retention through personalized attention and strategic planning.
• Conducted financial due diligence on potential investments and acquisitions.
• Prepared internal and regulatory financial reports, balance sheets and income statements.
• Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
• Created and managed financial models to evaluate corporate investments and acquisitions.
• Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
• Improved overall financial reporting by streamlining control processes and reporting structures.

Key Result Areas : - Relationship Leader Acquisition for Business Banking credit appraisal for Agri and MSME based secured landing in terms of OD, CC, TL,TFX, Pledge Funding.

• Led cross-functional teams to achieve company-wide goals, fostering a culture of collaboration and innovation.
• Optimized customer experience by delivering superior services and effectively troubleshooting issues.
• Responsibility of growing the asset book of Fund &Non-Fund Based facilities of Jaipur location . Working Capital Loans up to ticket size of INR 10.00 CRS.
• Achieving assigned revenue target of FB and NFB customers, acquisition of new customers, and servicing of existing asset relationship with in the portfolio as well look for cross sell opportunities.
• Channelizing open market sourcing, Credit Analyst.
• Housekeeping of the existing book, Monitoring of early warning account, NPA control.
• Offering structured finance proposition to new clients for their working capital or business Needs.
• Taking care of all type of loan and limits as cash credit, overdraft, dropline overdraft, bank guarantee, and other TFX facilities.
• Achieving Monthly disbursement budget of around 3.00 Cr. On consistent basis.
• (Big Achievement for me and The Bank) 10.71 Cr limit presenting for approval and getting it sanctioned & disbursed in single short.

Key Result Areas : - Territory Sales Manager in Retail Banking - Loan against Property based secured landing in terms of Terms loans, DLOD, LCP cases.

• Analyzed sales data to identify opportunities for improvement and implemented targeted action plans accordingly.
• Managed sales pipeline effectively by prioritizing high-potential prospects while keeping track of potential opportunities at various stages of development.
• Responsibility of growing the book of fund based facilities for Jaipur, Kota and Ajmer locations and offers Term loans up to ticket size of INR 1000.00 lac.
• Offering structured finance proposition to new client in terms of TL, DLOD, LCP for their business needs and business set-ups.
• Generating and Handling business leads by self- sourcing.
• Empanelled new channel partners with the bank for business growth and manage them with well liaising and arrange training sessions of logins with product team.
• Process of file logins into system and get it sanctioned by credit and disbursed in stipulated time via maintaining TAT.
• Maintenance and growth of existing mapped customers and offering complete banking solutions and strengthen client relationship via enhancement and other banking products.
• Logging and Disbursement via FTR basis.
• Achieved monthly disbursement budget of around 5.25 Cr. on mom basis along with third party products (LI,GI,) and manage all parameters as par the bank norms.
• Compiled and analyzed data to determine approaches to improve sales and performance.
• Built relationships with customers and community to establish long-term business growth.

Key Result Areas : - Acquisition Manager in working capital credit appraisal for Business Banking based secured landing along with unsecured loans.

• Responsibility of growing the assets book of fund and non-fund-based facilities of Rajasthan region. Working capital loans up to ticket size of INR 7500.00 lac.
• Handled high-ticket size BB and MSME client.
• Offering structured finance proposition to new client for their working capital or business needs. Generating and Handling business leads by self sourcing
• Built strong relationships with potential acquisition targets, fostering trust and open communication throughout negotiations.
• Achieving Monthly disbursement budget of around 3.00 Cr. On consistent basis.
• Conducted comprehensive due diligence investigations, ensuring thorough understanding of risks and benefits associated with each deal.
• Big Achievement for me and The Bank 30.00 Cr limit presenting for approval in committees and getting it sanctioned. Execute the legal documents for the sanctions and the same will be disbursed.
• We are dealing with Trade and Forex forward products • In depth analysis of customer requirement viz-a-viz financials of the company and providing them appropriate products under specialized program of the bank offering Trade Finance, Working Capital Limits, Agri and Pledge funding and Term Loans.
• Generating and Handling business leads by self sourcing and DSA (Channel) partners.

Key Result Areas:- Sales Manager in working capital credit appraisal for Agri and MSME based secured landing

• Handled customer relations issues, enabling quick resolution, and client satisfaction.
• Increased sales revenue by developing and implementing effective sales strategies.
• Maintained relationships with customers and found new ones by identifying needs and offering appropriate services.
• Built long-lasting client relationships through excellent customer service and consistent followups.
• Responsibility of growing the assets book of fund and non fund based facilities of Rajasthan region. Working capital loans up to ticket size of INR 500.00 lac.
• Handled high-ticket size Agri and MSME client.
• Offering structured finance proposition to new client for their working capital or business needs.
• In depth analysis of customer requirement viz-a-viz financials of the company and providing them appropriate products under specialized program of the bank offering Trade Finance, Working Capital Limits, Agri and Pledge funding and Term Loans.
• Generating and Handling business leads by self sourcing and DSA (Channel) partners.
• Handling team and manage their disbursement.
• Taking care of all types of cases like Fresh/ Enhancement/ Renewals.
• Coordination with Operations and Credit Department for disbursement files.
• Maintenance and growth of existing mapped customer book and offering complete banking solutions and strengthen client relationship.
• In depth analysis of financial of the borrower its banking and other relevant documents to determine the degree of risk involved in lending money. Understanding and evaluation Industry trend with generally applicable practices in that Industry.

Key Result Areas : Relationship Manager in Working Capital credit appraisal for Business Banking based secured landing

• Generating and Handling business leads by self sourcing
• Achieving Monthly disbursement budget of around 2.5 Cr. On consistent basis.
• Presenting the proposals in Zonal credit committees and getting it sanctioned. Execute the legal documents for the sanctions and getting it disbursed.
• We are dealing with Trade and Forex forward products.
• Post disbursal services gives to customer and branches for issue like DP calculation, Temporary Excess and Ad hoc limit Taking care of all types of cases like Fresh/Renewal/ Review and enhancement cases
• Coordination with Operations & Credit departments for disbursement of files.
• All Legal formalities and prepare docs for disbursement
• Responsible for Sourcing MSME Working Capital/ Term Loan and overdraft Proposals within the mentioned catchment.
• Responsible for Acquiring Customers, onboarding them and managing daily operational requirements of the on boarded customer
• Arranging and accompanying for credit meeting, clearing credit queries and completing the end-to-end disbursal process for the customer.
• Self-depended and ensure all existing cases will be renew on time.

• To Prepare Disbursement Sheets and Files post sanctioned of Cases.
• To coordinate with sales and Credit Team.
• Coordination with Operations & Credit departments for disbursement of files.
• Coordination with respective Sales Manager for documents & other queries raised
• Coordination with customers for their service issues Post disbursement of cases.