Pankaj Rana
Rishikesh
Summary
Analytical professional with strong technical knowledge and critical thinking skills, excelling in data-driven environments. Demonstrates a proactive approach to challenges, consistently achieving and surpassing expectations. Proven ability to work independently or collaboratively, contributing to both personal and organizational growth.
Overview
3
3
years of professional experience
Work History
Credit Manager-Retail Agri
HDFC Bank Pvt. Ltd.
Bijnor
11.2022 - Current
- Assess the funding requirements of the customer and perform credit appraisal using financial and non-financial parameters for the proposal of KGC loan to Agri traders/Processors/Manufacturers etc.
- Decisioning loan requests based on credibility and potential revenues,
credit score to predict risks, and evaluating clients' Credit worthiness. - Personal meeting with all the key clients, along with the business team to understand the business requirements and improving portfolio to achieve sales targets.
- Managing the entire credit application process, right from login to disbursement.
- Vendor management - CPV, Legal, agency for processing the files and
ensuring all lending procedures comply with policy and regulations.
Trainee
Mahindra Agri Solution Limited
Haridwar
- Worked under project ‘Industrial Attachment Program’
Participant
Sainji
- Practiced many horticultural crop production operations (e.g., mushroom cultivation, pickle & jam making, extension activities etc.) under project ‘Rural Horticulture Work Experience’ (RHWE)
Organizer
Pauri Garhwal
- Participated in organizing KISAN MELA and made processed food products (e.g., squash, Jam, chutney, chocolates etc.)
Education
MBA - Agribusiness
College of Agribusiness Management
Pantnagar01.2022
B.Sc. - Horticulture (honors)
Veer Chandra Singh Garhwali College of Horticulture
Bharsar, Pauri Garhwal01.2019
Skills
- Credit analysis
- Problem solving
- Adaptable learning
- Computer skills
- Data management
- Vendor Management
Achievements And Extracurricular Activities
- Working in HDFC Bank as a Credit Manager & a Silver Star Achiever in less than one year with 100% productivity.
- Become a Top Banker with Complete Retail Banking Training, Udemy, 07/22/22
- Career Edge-Knockdown the Lockdown, TCS Ion, Certificate of completion
- NSS B certificate, A, 2019
Projects
*Promotion Strategy for Biofertilizers in Udham Singh Nagar District of Uttarakhand, 2022, College of Agribusiness Management Pantnagar
*Implementation & Evaluation of Marketing Activities & Product awareness at field level for core & potential brands, 2022, Sinochem India Pvt. Ltd., Kaithal, Haryana
*Industrial Attachment Program, 2018-19, Mahindra Agri Solution Limited, Haridwar, 2 months & 10 days
*Rural Horticulture Work Experience (RHWE), 2018, Sainji, Pauri Garhwal, 70 days KISAN MELA, 2018, College of Horticulture, Bharsar, Pauri Garhwal
Other Interests And Hobbies
- Travelling
- Watching Movies
Personal Information
- Age: 26
- Gender: Male
Timeline
Credit Manager-Retail Agri
HDFC Bank Pvt. Ltd.
11.2022 - Current
Trainee
Mahindra Agri Solution Limited
Participant
Organizer
MBA - Agribusiness
College of Agribusiness Management
B.Sc. - Horticulture (honors)
Veer Chandra Singh Garhwali College of Horticulture
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