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
SKILLSManpower planning & ControlStrong communication s & Networking skillsWorks as a Good participant in a TeamGood at management skillsGood at taking decisionsFlexibility & Adaptability at workAbility to Plan & Organize WorkCapable of handling new & challenging tasksGood at Data HandlingCOMPUTER SKILLSWorking proficiency ofMS OfficeExperience of operating finance software such as Kastle Lending and PLF
Business development and planning
Controlling costs
Order management
Area management
Relationship building and management
Staff Training
Product and service sales
Vendor management
Database Management
Operations
Brainstorming ideas
Systems and software programs
Staff Development
Resource Allocation
Staff Management
Territory Management
Business Development
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