Navneet Tanwar
Area Manager
Patiala
Summary
I was brought up in a small town by the name of Rupnagar ( Punjab) located at a distance of 40 kilometers from Chandigarh. After completing my studies from School & colleges in Punjab, i started with my professional career in 2016.
I am very passionate about sports, especially football and love to read and talk about the same. I never miss the weekend games of the team that i support.
I am now looking to work in a different environment and attain other skills apart from the ones which i have learned over the last few years in my career. I believe this change will not only take my career to next level but also benefit the organization and people working there in growing. Encouraging manager and analytical problem-solver with talents for team building, leading and motivating, as well as excellent customer relations aptitude and relationship-building skills. Proficient in using independent decision-making skills and sound judgment to positively impact company success. Dedicated to applying training, monitoring and morale-building abilities to enhance employee engagement and boost performance.
Overview
6
6
years of professional experience
2
2
years of post-secondary education
1
1
Language
Work History
Area Manager (Branch Head)
LIC Housing Finance Limited
Patiala
05.2023 - Current
- At Patiala and handling a team of 3 people.
- Dedicated to expanding client bases by building lasting relationships.
- Developed sales strategy based on research of consumer buying trends and market conditions.
- Assessed reports to evaluate performance, develop targeted improvements, and implement changes.
- Directed workforce planning, customer retention and customer service management for multiple locations.
- Transformed underperforming teams into productive, profitable teams.
- Resolved conflicts promptly to promote positive environment for customers.
- Drove revenues and team morale by developing and deploying monthly sales contests & competitions.
- Supervised 15 Marketing Intermediaries while liaisoning with Advocates, FI Agencies and Valuers in order to maintain and enhance the quality of Assets, compliances and Operational Requirements for all areas and.
- Oversaw budget planning, strategy development, community outreach for organization.
- Conducted training sessions to educate employees on best practices and procedures to increase profitability.
- Improved process efficiency by implementing new cart retrieval process and correcting poor work habits.
- Modeled best practices for sales and customer service.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Supervised 5 locations to enforce high-quality standards of operation.
- Modeled strong negotiation skills to help team members close tough deals with lucrative clients.
Credit Officer
LIC Housing Finance Limited
Chandigarh
07.2021 - 05.2023
- Processing of Sanction files, Processing of Disbursement files, through knowledge of credit management within organization
- Recruitment of Channel Partners, DSA’s and other agencies helpful in increasing business in Branch
- Procuring Business from market and through other channels
- Handling and Looking after Operations of branch and all other activities of Branch.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Checked appraisals, title information and insurance documents for each property.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Organized and finalized loan applications for underwriter review.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Adhered to banking standards and government lending guidelines for loan services.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Managed account data and verified information with clients, past creditors and other involved parties.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
Credit Officer
LIC Housing Finance Limited
Mumbai
12.2017 - 07.2021
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Checked appraisals, title information and insurance documents for each property.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Adhered to banking standards and government lending guidelines for loan services.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Managed account data and verified information with clients, past creditors and other involved parties.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Monitored accounts for signs of fraud and non-payment issues.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Prepared reports of findings and recommendations.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
Education
Masters of Business Administration - Operations & Marketing
Thapar University
Patiala 07.2014 - 05.2016
Bachelors Of Technology - Mechanical Engineering
Punjab Technical University
Skills
SKILLSundefined
Timeline
Area Manager (Branch Head)
LIC Housing Finance Limited
05.2023 - Current
Credit Officer
LIC Housing Finance Limited
07.2021 - 05.2023
Credit Officer
LIC Housing Finance Limited
12.2017 - 07.2021
Masters of Business Administration - Operations & Marketing
Thapar University
07.2014 - 05.2016
Bachelors Of Technology - Mechanical Engineering
Punjab Technical University
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