Summary
Overview
Work History
Education
Skills
Interests
Primary Assets
Areas Of Interest
Skills And Experience
Special Aptitudes
Personal Information
Disclaimer
Timeline
Generic
Prateek Kumar Mishra

Prateek Kumar Mishra

Branch Manager
Burhar

Summary

To perform at the highest level of my potential working towards the set goal and targets. Striving to achieve perfection at the job and better myself through continuous gain of knowledge & through continuous learning. To handle jobs sincerely in a competitive environment efficiently and competently, keeping in view growth and improvement. To utilize my analytical capabilities, creative ideas, with a self-motivated and positive approach within an organization that will help my professional and personal skills. Seeking a job, demanding enough to tap my potential, which brings forth the leadership qualities in me.

Skilled Branch Manager with demonstrated success in coordinating team and financial activities. Friendly and adaptable professional with remarkable leadership and program management skills.

Experienced with managing branch operations and driving team performance to achieve business goals. Utilizes strategic planning and effective leadership to enhance operational efficiency. Track record of fostering strong client relationships and implementing successful financial strategies.

Professional with strong background in branch management. Skilled in enhancing operational efficiency, driving growth, and fostering team collaboration. Known for adaptability to changing needs and effective problem-solving. Expertise in strategic planning, customer service, and financial oversight. Reliable leader focused on achieving results and empowering teams.

Overview

10
10
years of professional experience
5
5
years of post-secondary education
2
2
Languages

Work History

Branch Manager

SHRIRAM FINANCE LIMITED
12.2024 - Current
  • Met deadlines by proactively managing individual and team tasks and streamlining processes.
  • Complied with regulatory guidelines and requirements.
  • Monitored market trends to identify new business opportunities and capitalize on potential growth areas within the community or region served.
  • Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
  • Coordinated marketing campaigns tailored towards target audience segments resulting in increased brand awareness within the local community.
  • Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
  • Optimized branch inventory management practices for improved product availability and reduced stock obsolescence costs.
  • Implemented risk management strategies to minimize potential losses while maintaining a healthy balance between risk and return on investments.
  • Drove cross-selling efforts by collaborating with various departments within the organization to maximize revenues from existing clients.
  • Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
  • Examined customer loan applications for loan approvals and denials.
  • Utilized data-driven insights to make informed decisions regarding staffing levels during peak seasons thereby maintaining smooth functioning of branch operations.
  • Reduced employee turnover by fostering a positive work environment and offering competitive compensation packages.
  • Submitted loan applications to underwriter for verification and recommendation.
  • Created and executed marketing strategies, increasing brand awareness and attracting new customers.

Collection Manager

SHRIRAM FINANCE LIMITED
12.2023 - 12.2024
  • Implemented process improvements that increased team morale while maintaining a high level of professionalism within the department.
  • Leveraged advanced data analysis tools to identify trends in payment behavior, enabling informed decision-making for future collections efforts.
  • Worked closely with legal counsel to pursue necessary actions against non-compliant debtors, ensuring company interests were protected at all times.
  • Negotiated settlements with customers experiencing financial difficulty, preventing potential litigation costs and preserving client relationships.
  • Maintained accurate records of all collection activities, providing transparency to stakeholders and senior management.

Branch Manager

SHRIRAM FINANCE LIMITED
07.2019 - 12.2023
  • Company Overview: BUSINESS AND PROPERTY ( LAP, MORTGAGE LOANS)
  • Independently conducted credit analysis according to policy and sound credit decision making, preparing decision documents for credit actions.
  • Responsible for all collection activity including customer visits, PD (Personal Discussion With Customer), Independent TRC - Trade Reference Check, CPV – Contact Point Verification of Customer (Residence & Commercial), CIBIL & HIGHMARK Checking of Customer.
  • Making CFA – Cash Flow Analysis And CAM – Credit Approval Memo.
  • Also Handle collection Of Nonstarter & OD Cases and Customer visit for collection.
  • BUSINESS AND PROPERTY ( LAP, MORTGAGE LOANS)
  • Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
  • Maintained friendly and professional customer interactions.
  • Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
  • Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
  • Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
  • Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
  • Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
  • Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
  • Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
  • Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
  • Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.

RELATION SHIP EXECUTIVE

Shriram Transport Finance Company Limited
07.2015 - 07.2019
  • Company Overview: LEADING NBFC IN INDIA
  • Updating the vehicle docs before gross time so as to maintain the branch ranking.
  • Also helping in collection for branch and also visiting nonstarter cases for collection.
  • Support and promote activities for better enrollment & providing higher standard of Customer.
  • Maintain awareness of operational risk and minimize the likelihood of it occurring including its identification, assessment, mitigation and control, loss identification and reporting in accordance with the process defined for enrollment of the beneficiaries.
  • Lastly daily follow up and conversation with the team members for the betterment of the branch collection.
  • Handling all Branch activities and all approval which are given by business head.
  • Monitoring Attendance leaves, coordinating with regional and zonal office.
  • Handling branch accounts and credit admin team for the business processing.
  • Seeking team development at branch level.
  • Monitoring various MIS reports like Daily Sales MIS, Collection MIS, PDD MIS, over funding Control MIS etc.
  • Scrutinizing relevant documents before sanctioning / disbursing the credit, ensuring compliance with organizational credit policies, de-dupes, TVR, minimize PDD etc.
  • Maintaining, File documents in fire proof cabinets maintain records and dispatch to DOC Cell.
  • Handling Customer service, Handle & resolve all customer queries & complaints.
  • Co-ordination for payment of Vendor bills, handling invoices, procuring and disbursing stationary, statutory bill payment and all other expenses.
  • Seeking settlement of case & issued the NOC.
  • Check KYC norms in files for the loan.
  • Other Responsibilities which is assigned by the superiors etc.
  • LEADING NBFC IN INDIA

Education

MBA - Dual Core Finance & HR

IPS ACADEMY INDORE
Indore, MP
04.2012 - 05.2014

BBA -

IPS ACADEMY INDORE
Indore, MP
04.2008 - 04.2011

Skills

  • CV Finance

  • Private Vehicle Finance

  • Construction Equipment Finance

  • Business Loan

  • Property Loan

  • LAP

  • Mortgage

  • WCL Products

    • Financial administration

    Risk analysis

Interests

Listening Music
Watching movies
Making good Friend’s

Primary Assets

  • Highly motivated to work as a team.
  • In addition to communication skills, good analytical skills and interpersonal skills.

Areas Of Interest

To specialize in the area of Business, Operation And Credit & Risk Control Management (First EMI Dues).

Skills And Experience

Professional with 9.10years of experience in CV Finance, Private Vehicle & Construction Equipment Finance And Business Loan, Property Loan (LAP, Mortgage) And WCL Product’s (LIKE – LI, GI, TYRE LOAN, AND BUSINESS LOAN)., Responsibility as credit And Operation functions for commercial vehicle finance and Business Loan And Property Loan (LAP, Mortgage) Business of the organization with various Credit & operational Recovery tools., Business, Credit And Operation Management, YES, Immediately after notice period of 30 days.

Special Aptitudes

  • Hard worker
  • Pleasing Personality
  • Good Intelligence
  • Amiable Manners

Personal Information

  • Father's Name: Mr. C K Mishra
  • Date of Birth: 06-06-1991
  • Nationality: Indian
  • Marital Status: Married

Disclaimer

I hereby declare that the information furnished above is complete and true to the best of my knowledge.

Timeline

Branch Manager

SHRIRAM FINANCE LIMITED
12.2024 - Current

Collection Manager

SHRIRAM FINANCE LIMITED
12.2023 - 12.2024

Branch Manager

SHRIRAM FINANCE LIMITED
07.2019 - 12.2023

RELATION SHIP EXECUTIVE

Shriram Transport Finance Company Limited
07.2015 - 07.2019

MBA - Dual Core Finance & HR

IPS ACADEMY INDORE
04.2012 - 05.2014

BBA -

IPS ACADEMY INDORE
04.2008 - 04.2011

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Prateek Kumar MishraBranch Manager