PRANAY V KOLARKAR

Product Variance - ( Commercial Vehicle Division & Dealer Finance & Warehousing )

• Cash Credit , Overdraft, DOD , WCDL, Adhoc, Bank Guarantee , Term Loan and Inventory funding.

Key Responsibilities -

• Working as Portfolio and Acquisition manager in RBG group for secured lending & unsecured lending in working capital within bank for Large & Mid Corporate.
• Business development from existing database, Inter department , Branch channel and sourcing agents.
• Prepared and presented credit proposal conducted Financial Analysis, Ratio analysis and risk analysis.
• Handling end-to-end credit process, Client acquisition, Proposal CAM preparation, due diligence, financial analysis and coordination with credit & operations for sanction and disbursement.
• Monitoring portfolio for asset quality, timely renewals and compliance with internal and regulatory guidelines.
• Built and maintained strong relationships with Corporate , SMEs, and trade clients to support business expansion.
• Monitoring and Managing working capital portfolio exceeding 300 Crs, ensuring growth , compliance , retention and risk management.
• Adhered to Legal , Technical documentation and operations requirement.
• Maintaining housekeeping activities like Call memo, Deferrals, Churning and Utilization tracking , Quarterly and half yearly stock audit.

Product Variance:

• CV Loan, Cash Credit (CC), Overdraft (OD), DOD, WCDL, DRUL, Bills Discounting, Inventory Funding, ADHOC CC, TOD, Bank Guarantee and LC.

Key Responsibilities:

• Working as Relationship Manager in CTG,TIFG Group for Secured Lending & Unsecured Lending in Working Capital within Bank for Large & Mid Corporate.
• Equipped with product range CV Loan & (FB & NFB) viz. CC, OD, DOD, Bills Discounting, Inventory Funding, ADHOC OD, ADHOC CC, TOD, Bank Guarantee, LC, Term Loan, Project Funding etc by analyzing Working Capital Gap & Assessments.
• Adhered with CAM generation of proposal .
• Financial Analysis including Balance Sheet, Ratio, Structured & Corporate Analysis undergone through Risk Analysis & Risk Management.
• Sound understanding of Secured Lending, Collateral Management, Annual Renewals, Risk Analysis, Financial Analysis, Credit Compliance, Operations Facilities, Legal Process, Collateral Management, Critical Deferral Closures etc.
• Maintained housekeeping activities like Call-Memo, Deferral, HVT (High Value Transactions) promptly.
• Business Development from Existing Database, Inter Departmental Co-relations, Own Relationship, Branch Channel etc.
• Increasing Wallet share by XSelling products to customer.
• Managing relationship with Mfg , Dealers and Branch Channel & Channel Partners
• Equipped with Team of Sales Officer.

(Succession Paths from Management Trainee to Location Manager)

Product Variance:

Commercial Vehicle, Construction Equipment, UCV, UCE, Working Capital- GRO.

Key Responsibilities:

• To attain with latest trends in strategy development in NBFC's and Banking organization from competitive perspective for achieving the corporate growth in portfolio through market w.r.t Corporate Finance.
• To analyze, research & execute on the business reports to make the customer satisfaction for business leads & target achievements with Ashok Leyland (OEM) on TIV in CV Market by Dealership Management.
• Sourcing of CV loan and Working capital leads from Mfg , Dealer & Channel Partners.
• Sound understanding with Credit Appraisals & Sales Strategies for Lending in Commercial Vehicle Loan Financing, Working Capital
• Team Management with succession planning towards productivity in terms of Sales & Collection for portfolio with delinquency control.
• Maintaining relationship with dealer ,manufacturer & channel partner for business prospects.
• Successfully Executed the Disbursement Process, CAM Generation & Financials Approvals through front to end management cycle in organization.
• Consolidated Knowledge of Lead Generation (Source: Market), Credit Appraisals, Disbursement, PDD, Repossession & Closure