Pranav Datt Gaurav

Product - Commercial Vehicle and Trade Advance

• Responsible for managing the performance of Commercial Vehicle and trade advance product at Pan India level
• Responsible for overall Profit Center operations for all the regions
• To spearhead the business for all regions and achieve budgeted Disbursements with the help of Regional Teams, as per financial plan
• To monitor the performance of branches for portfolio quality, operational costs, manpower planning, cost v/s actual thus enabling them to achieve their profitability targets
• To keep the performance of the Portfolio based on Nonstarters and Early Delinquency within acceptable limits
• To Monitor all TA dealer Churning and account performance
• Reviews portfolio performance of various sourcing channels, different category products and specific customer segments
• Understand the gap and help define product policy with the help of underwriting team
• Contribute to the overall quality of the portfolio by active involvement in Credit Process and auto decision mechanism / policy updates / product mixes
• Designing product, process & policy for CV and TA product
• Ensure all business processes and procedures are properly complied and followed by business team
• To Identify talent for other function/role and work on role change movement of employees through career enhancement policy this facilitating employee career growth
• To help create enabling business environment which encourages every single individual to give his best.

• Underwriting credit for Commercial Vehicle, Construction Equipment, WC for Contractor and Transporter profile, Healthcare equipment and WC, Analyzing the overall case on the basis of documents enclosed & FI Report within various parameters of policy.

• Since Oct /2020 engaged in family business of Textile manufacturing, and trading of Synthetic & cotton Yarn.

• Streamlining preexisting processes to enhance efficiency, while minimizing operational time, Responsible for credit control & timely remittances from the market
• Appraising Credit proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning / disbursing loans, ensuring compliance with credit policies
• Handling sanctioning of credits/ excise, appraising solvency status & verifying documents & maintaining the TAT & accuracy level
• Underwriting credit for Commercial Vehicle, Construction Equipment, WC for Contractor and Transporter profile, Healthcare equipment and WC, Analyzing the overall case on the basis of documents enclosed & FI Report within various parameters of policy.

• Manage channel network/sales of the branch in the assigned territory
• Managing a sales team for the region, coordinate with other teams for Leads Management
• Finding and developing new franchisees for the business, Support franchisee in business development
• Manage Channel Partners, Tracking Franchisee business growth
• Provide training and information to the dealer.

• Underwent on job training for a period of 12 months for client handling and communication
• Handled freight transportation
• Led a team of 4 members and provided on job training to them
• Over All responsible for coordination with other teams regarding customer order fulfillment, from Receipt of the customer order to delivery to customer.