Nitin Pandey
Haldwani
Summary
To Align Experience of Credit Appraisal, Sales, Business Development and Operations to the growth of an organization
Overview
12
12
years of professional experience
Work History
Branch Manager / SC Head-Mortgage Branch
HDFC Bank Ltd
- Roles remain same as was performing at Housing Development Finance Corporation
Branch Manager / Service center head
Housing development finanace corporation ltd
04.2018 - 06.2023
- Disbursals | Delinquency Management |Digital Adoption | Market development | Process adherence
- Aligning activities of Credit , Business development/Marketing Operations and Sales, towards achievement of organizational goal
- SWOT analysis for policy formulation ,study of local government practices pertaining to land records ,study of technical aspects and sending feedback to higher management
- Credit appraisal- Recommending of Salaried and self employed cases, approving any deviations.
Assistant Manager
LIC Housing Finance Ltd
11.2016 - 04.2018
- Credit Appraisal with orientation on salaried and self employed cases, Recruitment, Training and development of Direct Sales Associates Development of camp offices like Kashipur,Almora
- Second In charge of Haldwani Area Office
- Ensuring sanction and disbursement are happening as per budget
- Ensuring TAT from login to Disbursement
- Managing day to day operational work of office
- Ensuring Efficient customer services and front desk.
Sales Manager/Relationship Manager
Axis Bank Ltd
06.2016 - 11.2016
- Started Rudrapur locations for EEG Loans
- Products Handled - Working capital loans – Cash Credit/Overdraft Secured Term loan- For purchase of machinery, Purchase of commercial property, Purchase of machines to professionals as well as Non Professionals self employed, Loan against property
- Business loans (Unsecured loans) to Professional and non professional self employed for meeting business requirements
- Handling Branches of Rudrapur Cluster of distribution of above mentioned products
- Handling DSA/Connectors for the distribution of the products
- Handling a team of Senior sales officers/Sales officers
- Portfolio Management and servicing
- Vendor Management : Ensuring legal and valuation are done on time and with in TAT
- Understanding the legality and technical aspect of the property.
Sales Manager/Relationship Manager (Working Capital Loans)
HDFC Bank Ltd
02.2013 - 05.2016
- Started Bareilly and Rudrapur locations for Working capital loans Handling branches of Rudrapur Cluster for Working capital loans.(10-12 Branches) Sales and servicing of customers & handling a portfolio of 150 customers in Bareilly
- Complete renewal of the account ,Call Memo,Site and plant visit
- Ensure Customer submits the stock statement on time
- Ensure limits are utilized by the customer
- Ensure regularization of delinquent accounts
- Review and exit of Stressed accounts
- Ensure cross sell of Assets and Liability products
- Interaction with the credit and ops team for sanction of Initial,interim and Limit updation
- Credit management and Housekeeping: Primarily includes CAM updation,timely renewals ,obtaining and closing deferrals,plant and site visits and preparation of call memo ,updation of Stock statements
- Updation of Insurance, TOD management
- Ensure limits are getting sanctioned and disbursed with in TAT
- Ratio analysis, eligibility calculation
- Vendor Management: Ensuring legal and valuation are done on time and within TAT .
Branch Sales Manager
Reliance - Mortgages
07.2012 - 01.2013
- Handling sales and distribution channel of Reliance Home Finance for distribution of Home Loan and LAP products
- Sourcing business of Home Loans and LAP through DSA’s Agents and Builders
- Financial analysis which include ratio analysis, eligibility calculation through multiple methods
- Recruitment of new DSA’s, Agents and Builders and ensuring regular flow of business
- Providing training to DSA’s and Agents on regular intervals
- Floating of Marketing activities time to time
- Ensuring monthly and quarterly targets are achieved
- Meeting with Builders for APF of the projects and maintaining relation for inflow of volumes of files
- Ensuring TAT between Log in and disbursement and coordination with operations and credit for speedy disbursal of loans
Asst.Manager
Standard Chartered
02.2011 - 12.2011
- Worked as a Asst.Manager for Sourcing business of Home Loans and loan against property
- Secured (LAP) and unsecured lending (Business loan) to Small scale and medium enterprises.(SME)
- Home Loans to salaried and self employed
- Analyzing financials of the client
- Handling Direct sales associates and generating business through them
- Empanelment of new DSA’s.
Education
Pursuing -Certification in Risk Management
Indian Institute of Management
Indore, India2024
Post Gradutate Diploma in Management
Institute of Management And Research
Ghaziabad, India2010
DSB Campus -Kumaon University
2008
Intermediate
Hermann Gmeiner School
Bhimtal 2005
High School
Hermann Gmeiner School
Bhimtal2003
Skills
Branch Operations Management
Accomplishments
- Recognized and awarded for extraordinary support to Bareilly Cluster for business development of Emerging market portfolio
- Became member of National Heads club in the third month of joining of Axis bank
- Successfully started new locations Like Bareilly and Rudrapur for working capital loans
- Built a huge portfolio in terms of value and numbers for EEG in these locations
Family Information
10/11/88, Late Shree. Kailash Chandra Pandey (Retired from Education Deppt. Govt of Uttrakhand - Uttrakhand), Mrs. Girija Pandey (Housewife), Meeta Pandey (Married), Manager with Kumaon Mandal Vikas Nigam- LPG department (Uttrakhand State Government), 5 years old - Studying
References
Available on demand
Timeline
Branch Manager / Service center head
Housing development finanace corporation ltd
04.2018 - 06.2023
Assistant Manager
LIC Housing Finance Ltd
11.2016 - 04.2018
Sales Manager/Relationship Manager
Axis Bank Ltd
06.2016 - 11.2016
Sales Manager/Relationship Manager (Working Capital Loans)
HDFC Bank Ltd
02.2013 - 05.2016
Branch Sales Manager
Reliance - Mortgages
07.2012 - 01.2013
Asst.Manager
Standard Chartered
02.2011 - 12.2011
Branch Manager / SC Head-Mortgage Branch
HDFC Bank Ltd
Pursuing -Certification in Risk Management
Indian Institute of Management
Post Gradutate Diploma in Management
Institute of Management And Research
DSB Campus -Kumaon University
Intermediate
Hermann Gmeiner School
High School
Hermann Gmeiner School
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