Mihir Nath Jha

• Credit Under-writing of Commercial Vehicle Loans (UV) for North Region
• Ensuring maintenance of high standard of credit underwriting quality within region
• Lead implementation of credit strategies in assigned region, understanding customer requirements and suggesting right product mix company has to offer
• Monitoring early delinquency triggers for region
• Driving team to maintain branch and zonal level ED within stipulated limits
• Conducting regular Training sessions for CPC, Sales & Channel Partners – so as to keep sales & channel partners updated with the amendments in Credit policy & brushing up with existing credit policy
• Analyzing and giving constructive feedback to team on their critical errors regularly and way forward for avoiding such instances in future
• Monthly training on critical misses of team
• Controlling PDD’s, regulating and monitoring RC Limit extended to DSAs and TSMs of region
• Core member of Project Vitalize team from credit and risk vertical, developing fresh LOS and Policy along with Deloitte team
• Interacting regularly with HO – Suggesting for simplification / amendment of existing credit policy in dynamic market scenario
• Conducting monthly review of risk cubes, sending early warning signals to all stake holders and taking corrective actions wherever required
• Coordination with audit team for completion of audit.
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• In ING Vysya Bank Ltd
• Was handling Credit underwriting and Sanctioning of Commercial vehicle and Construction Equipment Loans for North (NCR / Jaipur)
• Maintain corporate credit policy as per parameters laid down in Product Policy Guidelines
• Taking necessary deviation from requisite authority with proper justification and documentation
• Regular Audit of disbursed files and processes
• Credit Vendor Management with regular training and monitoring of vendors, aligning vendors with Bank’s Policy and procedures
• Undertaking regular interaction with Sales / Collections / RCU to detect early warning signals
• Training sessions for Sales & Channel Partners on Credit Policy and documentation
• Re Launching entire credit process for commercial vehicle & construction equipment finance in North India
• Realigning credit policy framework as per current market practices
• Appraising and presenting Term loans to MFI’s to Board for approval to cater to PSL target of Bank.

• Credit Underwriting of Passenger Car Loans / Commercial Vehicle loan for West region along with Dealer Funding deals on Pan India level for procurement of stocks from manufacturer
• Managing a team of 8 Credit Managers for Auto loans and 2 for Dealer Inventory funding/ Securitization
• Designing and conducting regular training programs for Credit Managers and other stake holders
• Vendor management of Commercial Vehicle, Auto Loans and Dealer Inventory Funding
• Conducting regular training sessions for updating vendors with changes made in Bank’s Policy
• Continuous monitoring of repayment from dealer based on periodic Stock-Audit Reports received
• Ensure periodical review and renewal of existing facilities extended to dealers on past repayment behavior with the bank, financial strength & market feedback
• Regular monitoring of existing limits with respect to churning of limits, overdue accounts, deferrals taken at time of deal approval
• Appraising & presenting to Board proposals of Buyout Proposals Term loans to MFI’s
• Undertaking Originator / Servicer analysis, Portfolio and static pool analysis, pool selection based on banks underwriting policy, system, policy, pool and process audit of originator for all buyout transactions.

• Credit Under-writing of CV and Auto Loans of Rajasthan State (last six months)
• Monitoring and evaluating channel partners – Dealer Driven Commercial vehicle sales, CPA, FI Agency, property evaluator, Vehicle Evaluator – ensuring quality & TAT
• Managing a team of 5 Credit Managers for Auto loans and 1 for Commercial Vehicle
• Had a team of 10 CPA with average file of 600 files per month
• Undertaking Green Channel Approvals, based on Sales monthly request, for strategic & super strategic customers
• Interacting regularly with HO – Suggesting for simplification / amendment of existing credit policy in dynamic market scenario.

• Looking after Working capital financing needs of clients engaged in Commercial vehicle industry
• Acquiring new clients & servicing existing clients of Commercial Vehicle owners & dealers
• Offering Fund based product like Working Capital Limit account, working capital demand Loan / Short term loans by understanding the client’s requirement and eligibility criterion as designed by Bank
• Offering Non Fund based products like Bank Guarantees to target segment / Existing bank clients for Participation in bids and performance guarantees
• Coordinating with Bank Branches for enhanced services to the customers
• Ensuring both addition of new clients with a proper mix of new Clients besides retaining existing clients by providing proper back up services.

To sell vehicle finance in Commercial Vehicle segment in Delhi / Faridabad Market

• Achieve the sales budgets for each category of Commercial vehicles – HCV / LCV / ICV & Pickups of the location
• Build and manage direct and indirect sourcing channels
• Identification, hiring, training and retention of th desired feet on street at location level
• Monitor competitor sales strategy and suggest plans to RSM / ASM to counter the same
• Monitor – Volumes, Productivity, Yield, Cross Sell penetration, Channel Mix, Sanction Rate and Disbursal Rate
• Educate and train the team members on the policy requirement
• Ensure and check that policies and standards are being implemented at the ground level.

• Handling Team of six sales executive and C&F operations based at Jaipur
• Motivating and imparting training to C&F staff & tyre dealership
• Ensuring sales revenue & unit budget achievement in the allocated territory
• Developing new dealer network, handling of OEM Franchisee
• Conducting extensive campaigns & meets for radial customers/mechanics.

• Exclusive dealer network handling & their development
• Sales & collection target achievement in the allocated territory
• Handling Eicher Motors Ltd
• Kinetic Motors Ltd
• O.E
• Account
• New dealer appointment / channel expansion and search for new avenues
• Maintaining customer relation strong (Looking after ATSV Program) Conducting extensive customer meet & sales promotion campaign.