Prashant Prakash Jadhav
Personal
House No 88,Pragati Nivas At- Kawad Post- Angoan Tal-Bhiwandi Dist-Thane ,MH
Summary
As a management professional my first aim would be to work with sincerity and honesty. I would also serve in an organization with my practical knowledge
Overview
3
3
Languages
6
6
years of post-secondary education
8
8
years of professional experience
Work History
Cluster Credit Manager
Ujjivan Small Finance Bank LTD
Mumbai, MAHARASHTRA
03.2017 - Current
- Handling Micro finance loans (Group loans, Individual loans, Business loans, Home improvement loans, Higher education loans ,Livestock loans , Agriculture loans & Personal loans)
- Managing the team of Credit officers (Recruit, train & Manage)
- Supporting business flow by ensuring efficient resource allocation and productivity through daily & weekly planning & monitoring
- Co-ordinate with other departments- Distribution, SQ, Operations , IT , HR, Product & backend Credit team to ensure smooth flow of applications & timely disbursement of loans
- Implement Credit policies and processes for Unsecured Microfinance Loans in the field and review existing IL/GL policies/processes and raise recommendation ( participation in different meeting and forum - AM Meet , Branch Meet and CRM and CRO and SQ teem meet ) based on ground realities and feedback to support business expansion in the region
- Hold credit feedback sessions during Sales meeting to ensure implementation of appropriate action plans
- Randomly sample check on field to ensure quality of customer acquisition
- Ensuring the data and reports are effectively used by branch team
- Visit risk branches of assigned cluster, understand the condition & recommend the corrective actions
- Monitoring portfolio indicator of the branches - Ensuring appropriate action plans are devised and implemented in co-ordination with sales Supervisors
- Minimize overall disbursement TAT by ensuring deviations escalated to self/ higher authority are addressed within timeline
- Co-ordinate with sales team for effective utilization of the resources
- Personally visit the default and delinquent customers to bring back normal repayment and analyze the reason for the same and corrective action or policy changes to be suggested.
- Ensuring good audit Score in the branch . Work with Audit for identification of deviations in the field and to take necessary actions
- Escalate violations/non-adherence of policies/processes as per Penalty Matrix
- Completion of Bi- Annual Certification Test and Training in the cluster
- Holding one to one with all reporting staff
- Managing the underwriting of all cases in location within stipulated time as prescribed.
- Taking constant feedback from the team to clear any bottle necks / solve any issues & ensure least attrition in the location.
- Managing the changes in Credit policy as per market requirement to maintain healthy portfolio quality.
Team Leader –Individual Loan
Ujjivan Microfinance
Mumbai, MAHARASHTRA
03.2015 - 03.2017
- Handling Individual loans ( Home improvement loan, Individual business loan, Higher education loan, Agriculture loan , Livestock loan )
- Managing the team of 8 Credit officers (Recruit, train & Manage) and Handling 15 branches of Mumbai cluster
- Shadow all reporting Credit Officers to understand the challenges faced by them on field and guide accordingly
- Co-ordinate with other departments- Distribution, SQ, Operations and IT to ensure smooth flow of applications
- Seek feedback from the team on policies, processes and other related matters and recommend to Regional team
- Schedule training at the branches where portfolio/collection or error rate are in 'Need Improvement' area
- Train branch staff on changes in Policies/Processes
- Undertake surveys/studies as may be required
Field Credit Officer
Ujjivan Microfinance
Mumbai, MAHARASHTRA
11.2013 - 03.2015
- Conducting quality customer acquisition through loan processing
- Competitor analysis and report submission for allocated branches
- Execute action plans of 'Needs Improvement and 'Meets Expectation' branches in co-ordination with Sales Teams
- Engage in Collection for cases underwritten by self and cases under 90 days bucket
- Sharing other branch specific or cluster specific information/data to undertake better business decision
- Gathering customer feedback and escalation to higher management
- New products features and associated policy to be explained to branches and any queries to be resolved
- Completion of Bi- Annual Certification Test and Training in the Cluster
- Sharing critical findings & instances of policy/process violation gathered on with supervisors
- Ensuring good audit Score in assigned branches
- Sharing Feedbacks on polices to help sales team to grow business.
Education
MBA - Finance
Swayam Sidhi College of Management And Research
Bhiwandi 06.2011 - 06.2013
Bachelor of Science - Mathematics
R.K.T College Ulhasnagar
Ulhasnagar 06.2009 - 04.2010
No Degree - HSC
B.N.N College Bhiwandi
Bhiwandi 06.2006 - 06.2007
No Degree - SSC
S.S.N.Lahoti Vidyalaya Angaon
Angaon 06.2004 - 06.2005
Bachelor of Law - LLB
BDBA College Bhiwandi
Bhiwandi 06.2020 - Current
Skills
Basics of Computer
Achievements
- Appreciations on mails from Credit head, RCMs for 2 time's national winner as a best Credit Employ.
- Regional award winner in annual function "Malhar" with appreciation of trophy and certificate as a best Credit Officer.
Timeline
Bachelor of Law - LLB
BDBA College Bhiwandi
06.2020 - Current
Cluster Credit Manager
Ujjivan Small Finance Bank LTD
03.2017 - Current
Team Leader –Individual Loan
Ujjivan Microfinance
03.2015 - 03.2017
Field Credit Officer
Ujjivan Microfinance
11.2013 - 03.2015
MBA - Finance
Swayam Sidhi College of Management And Research
06.2011 - 06.2013
Bachelor of Science - Mathematics
R.K.T College Ulhasnagar
06.2009 - 04.2010
No Degree - HSC
B.N.N College Bhiwandi
06.2006 - 06.2007
No Degree - SSC
S.S.N.Lahoti Vidyalaya Angaon
06.2004 - 06.2005
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