Manoj Prabhakar

Roles and Responsibilities

• Handled Complete processing of individual Home loan and LAP applications of all ticket sizes
• Evaluating credit worthiness and risk assessment of applicant by due diligence, credit check along with analysis of bank and financial statements
• Building financial models to evaluate and assess future cash flows for construction finance cases
• Evaluating and assessing collateral offered for marketability, legal and technical clearance
• Conducted Personal discussion (PD) at customer’s premise to understand their business model, assessed financial health of customer
• Customer complaint resolution within NHB mandated TAT
• Managed operations of branch with 890 cr loan book for 3 years
• Managed 3 different channels by providing appropriate training and educating them in current lending policy to yield higher growth
• Meeting with promoter to understand business dynamic and assessing going concern of company
• Stimulated productive relationship with internal and external customers to ensure customer loyalty and strengthen branch reputation

Highlights

• Topped in credit appraisal by over achieving PAN INDIA benchmark of 160 files by 10 percent in Dec 2017
• Over achieved business target of 18 Cr (per month) by 33 % in DEC 2018
• Achieved annual business target of 216 cr in FY2019-2020
• Over Achieved annual business target of 237 Cr with 2% positive variance
• Most no of disbursement made in FY year 2020-2021 (42%)
• Appreciated for stupendous performance in maintaining Central KYC records

• Food and Technology.
• Ensured Smooth operation of digital cafeteria ie.,a hassle free and Cashless cafe- teria across multiple sites.
• Ensured to provide magnificent cafeteria experience by analysing demand and preferences of customers.
• Imbued Vendors with appropriate training to adapt the digitalisation.