MANU PM
MANIMALA
Summary
MBA Graduate with 13 years Experience in Underwriting,Credit analysis,Agri banking products ,Banking and Micro Finance.
Overview
14
14
years of professional experience
Work History
Credit Manager -Small Enterprises Loans
BANDHAN BANK LTD
Muktsar Punjab
09.2023 - Current
- Underwriting of unsecured business loan proposals from 3.00 Lakhs to 25.00 lakhs.
- Overseeing the utilization of loans disbursed.
- Maintenance of loan documents.
- Ensuring the timely repayment of loans disbursed.
Manager-Agri and Micro marketing
STATE BANK OF INDIA
Jalandhar Punjab
06.2020 - 06.2023
- Microfinance business generation through NGOs.
- Agriculture, business development
- Liaising with Govt departments for business sourcing.
- Support to 48 branches under the region for disposal of proposals.
- High Value Agri-Business sourcing and conversion.
- Handling team of 8 FOS(Agri Executives) in the region
Territory Manager-Micro Loans
L&T FINANCE
Mallappally Pathanamthittta
04.2018 - 05.2020
- Team handling (Handling 30 members and 4 branches)
- Development of a quality microfinance business portfolio in all branches.
- Ensuring my team is performing above the expectation of top management.
- Recruitment, nurturing, and ensuring good performance from my team members so that they can climb the ladder of promotions easily.
- Staff management, including training and guiding.
- Microfinance business, where JLG Groups of minimum 5 members, provide loans and ensure timely repayment.
Relationship Manager-Micro Finance Division
HDFC BANK LTD
Ettumanoor Kottayam
03.2016 - 04.2018
- Team handling (Handling 8 members).
- To develop a quality microfinance business portfolio.
- Formation of JLGs and SHGs, financing, and ensuring timely repayment of loans.
- Upliftment of entrepreneurial talents in rural areas and handholding them to success.
Audit Executive
MUTHOOT FINANCE
HISAR,HARYANA
03.2013 - 03.2016
- Carrying out various types of audits, such as gold verification, payments, receipts, stock,documents etc at 20 branches of Hisar region.
- Ensuring the quality of business happening in the region.
- Ensuring no financial discrepancies or loss occurred in the region.
- Preparing audit reports and submission within the time frame.
- Staff management, including training and guiding.
- Monitoring of junior staff.
Branch Manager
ESAF MICROFINANCE
Kaniyapuram, Trivandrum
09.2011 - 10.2012
- Developing of New SGH/JLG Groups of Women
- Developing quality portfolio and ensuring branch profitability.
- Ensuring 100% repayment of loans.
- Giving them financial services like microcredit, microinsurance, etc.
- Conducting skill trainings, Entrepreneurship Trainings for Women.
- Monitoring of staff, training, and professional.
- Branch Administration, Staff management.
Junior Field officer
MANGALAM PUBLICATIONS PVT LTD
Kanjirappally Kottayam
08.2010 - 09.2011
- Developing of New Agencies and Improving the circulation.
- Achieve the targets.
- Conducting skill trainings, Entrepreneurship Trainings for Agents.
- Ensuring the monthly collection of newspapers and other publications.
- Door to door marketing.
Education
MBA -
MG UNIVERSITY, SBC CHANGANACHERRY
10.2008
BCOM -
MG UNIVERSITY, SBC CHANGANACHERRY
06.2003
AISSE -
CBSE, JNV KOTTAYAM
03.2002
AISSCE -
CBSE, JNV KOTTAYAM
01.2000
Skills
- Proficient in 4 languages(Tamil,Hindi,Malayalam and English)
- Certificate holder in Tally and MS office
- Well versed in Core banking and MFI software
- Good in Underwriting and Observation
Aboutyourself
Self motivated enthusiastic person who foresee everything positive and result oriented.
Othercareerskills
MS OFFICE ,TALLY,MFI SOFTWARE
Personal Information
- Father's Name: MOHANAN
- Date of Birth: 02/02/1985
- Marital Status: MARRIED
Languages
ENGLISH ,HINDI,TAMIL, MALAYALAM
DOB
02-02-1985 39 Years
Signature
Manu PM
Pullolipparambil House
Alapra P O
Manimala
Kottayam
Kerala-686544
Timeline
Credit Manager -Small Enterprises Loans
BANDHAN BANK LTD
09.2023 - Current
Manager-Agri and Micro marketing
STATE BANK OF INDIA
06.2020 - 06.2023
Territory Manager-Micro Loans
L&T FINANCE
04.2018 - 05.2020
Relationship Manager-Micro Finance Division
HDFC BANK LTD
03.2016 - 04.2018
Audit Executive
MUTHOOT FINANCE
03.2013 - 03.2016
Branch Manager
ESAF MICROFINANCE
09.2011 - 10.2012
Junior Field officer
MANGALAM PUBLICATIONS PVT LTD
08.2010 - 09.2011
MBA -
MG UNIVERSITY, SBC CHANGANACHERRY
BCOM -
MG UNIVERSITY, SBC CHANGANACHERRY
AISSE -
CBSE, JNV KOTTAYAM
AISSCE -
CBSE, JNV KOTTAYAM