GRIT-Oracle
Nishikant Sankpal
Area In Charge
Kolhapur,Maharashtra
Summary
Competent & Dynamic professional with extensive experience at Bandhan Bank Ltd, excelling in team leadership and sales target management. Proven track record in portfolio management, driving home loan disbursements exceeding 600 Crores. Adept at customer engagement and negotiation, fostering strong relationships to enhance business growth and operational efficiency.
Overview
18
18
years of professional experience
4
4
years of post-secondary education
Work History
Area In Charge
Bandhan Bank Ltd
Kolhapur
09.2020 - Current
- Responsible for total business performance includes both disbursement & recovery, productivity of staff, expense control, exercising control over the internal system, & procedure includes internal audit & compliances, staff management & overall back office administration at each of the Retail Office within the Kolhapur cluster.
- Presently handling entire home loan Sales, Credit, Operations & Collection for 06 retail office located with in 5 districts of Western Maharashtra & Kokan region under Kolhapur area like Satara, Karad, Sangli, Kolhapur, Kankavli-Sindhudurg & Ratnagiri in Affordable HL & LAP along with 03 general banking branches located at Satara, Karad & Kolhapur.
- Monitoring home loan & mortgage loan portfolio of more than 600 Crores & 7200 loan accounts.
- Leading team of 26 on role employees,DSTs, 200+ Connectors, DSA & Corporate DSA.
- Loan applications up to loan amount Rs 5lac to 5CR in HL & LAP.
- Interact with Customers, Connectors,DSAs, DSTs, General banking team & vendors to understand & expand the business.
- Cross sell of banking products CASA, Life & Property insurance, Other loan products Business, Auto, Gold loan.
- Having own DOP for sanctioning of Rs 30lacs-Underwrite & decision case as per credit policy & SOP with in TAT.
- Co-ordination with credit, ops, collection & customer service team for smoothly functioning of business activities.
- Review collections reports, Quick Mortality & Early warning signals LANs & take periodic review with collection team for bucket SMA0 to NPA & SARFAESI actions.
- Efficiency to resolved chronic accounts with doing group visit with legal and collection team.
- Recruiting the new candidates as per HR norms & provide them required training for business developments.
- Addition & development of new vendors-advocates/valuers for smoothly functioning of lending business.
- Handling customers complaints escalated to area office, PNO & RBI.
Retail Office In Charge
GRUH Finance Ltd
01.2017 - 08.2020
- Provide excellent customer service and build good relationship with new & existing customers, GRA-GRUH referral associates (Connectors), builders & vendors.
- Handling entire home loan sales, credit, operations & collection of the branch for SMA0 to NPA loan accounts.
- Overseeing functions like –Business development, Applications Processing, Credit, Legal, Technical, Disbursements,ECS, creation of mortgage-E-Filing/NOI, collection of SMA0 to NPA loan accounts along with branch administrations.
- Monitoring of total disbursement and collection performance of Satara branch.
- Addition of new channels & builders for business developments.
Customer Care Executive
GRUH Finance Ltd
06.2011 - 12.2016
- Enhanced customer satisfaction by resolving Home loan inquiries effectively, efficiently and focus on customer satisfaction.
- Reduced customer complaints with proactive issue identification and resolution strategies.
- Handling leads of home & LAP loans received from builders, GRA(Connectors) existing customers & direct walk in customers.
- Appointment of new GRA(Connector) & builders with help of APF.
- Evaluation of credit worthiness of borrower and the home loan eligibility, scrutinizing the necessary documentations for home loan proposals.
- Preparation of CAM, processing home Loan applications from file log in to disbursement.
- Conducting visit for financial inspection of SEP & SENP cases, verification of employment, technical visit for property inspection.
- PDC management, ECS activation, bank reconciliation, vendor management, processing for life insurance & property insurance.
- Docket shifting to area office.
- EMI collection of fresh bounce cases & handing delinquent LAN up to SMA02.
Insurance Advisor
ICICI Prudential Life Insurance
Satara
12.2006 - 05.2011
- Sales & marketing of life & health insurance plans of ICICI PRU life to clients.
- Maintained accurate records of client interactions, ensuring seamless service delivery during policy reviews or renewals.
- Enhanced customer trust by addressing concerns and explaining complex policy details in understandable terms.
- Established long-lasting relationships with clients through proactive communication and exceptional service.
Education
P.G. Diploma In Banking & Financial Services - Banking Finance & Insurance
IFBI-Institute Of Finance Banking & Insurance.
Pune 06.2010 - 01.2011
Bachelor of Commerce - Banking
Shri Shahu Mandir Mahavidyalaya
Pune 06.2007 - 06.2010
Skills
Team Leadership
Cross-Functional Teamwork
Portfolio Management
Risk Assessment
Customer Engagement & Negotiation
Effective Sales Planning
Sales target management
Friendly, positive attitude
People management
Team Leadership
Software
Ebix-Ebix Cash
Flex cube
Timeline
Area In Charge
Bandhan Bank Ltd
09.2020 - Current
Retail Office In Charge
GRUH Finance Ltd
01.2017 - 08.2020
Customer Care Executive
GRUH Finance Ltd
06.2011 - 12.2016
P.G. Diploma In Banking & Financial Services - Banking Finance & Insurance
IFBI-Institute Of Finance Banking & Insurance.
06.2010 - 01.2011
Bachelor of Commerce - Banking
Shri Shahu Mandir Mahavidyalaya
06.2007 - 06.2010
Insurance Advisor
ICICI Prudential Life Insurance
12.2006 - 05.2011
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