Rahul More
Navi Mumbai
Summary
Seasoned professional with comprehensive experience in risk management, credit underwriting, audit management, and product management.
Overview
13
13
years of professional experience
Work History
Internal Audit Manager (Rural Lending Audits)
Axis Bank Ltd.
Mumbai
11.2022 - Current
- Auditing the efficiency of business processes related to KCC, B2C, B2B, Commodity, Tractor, MFI, and Gold Loan products.
- Ensuring the business adheres to bank policies, procedures, and regulations.
- Identified opportunities for improvement in internal control systems and procedures.
- Interacted with various levels of staff within the organization to obtain information necessary for completion of engagements.
- Managed multiple concurrent projects and snap audits while meeting tight deadlines.
Credit Manager (Retail Agri Policy & Underwriting)
HDFC Bank Ltd.
Jalgaon
11.2015 - 11.2022
- Evaluated and approved credit applications based on thorough financial analysis and risk assessment for KGC (Kisan Gold Card), including Agri Infrastructure Funds (AIF), and Agri project funding proposals.
- Portfolio analysis to manage delinquency, and quality underwriting.
- Vendor management (Legal & Valuer - Property Valuer and Vehicle Valuer)
- To maintain TAT for all three products (KGC, Tractor, and SLI).
- Field visits (pre-sanction, post-sanction, and delinquent cases)
- Prepared monthly departmental reports summarizing the status of outstanding receivables.
- Taken the initiative to establish the new process with the help of the tech application GSDL (Geo Spatial Digital Lab) to gather real-time farm cropping data.
Territory Sales Manager
Hytech Seed India Pvt.Ltd.
Akola
03.2015 - 10.2015
- Working and developing the business of jowar and maize.
- Developed and implemented sales plans to achieve business goals.
- Market research to represent the respective product in the market.
- Conducted a rural campaign to spread product reach and sales.
- Created and managed relationships with key customers in the region.
- Participated in trade shows, conferences, seminars, and other events to promote products or services.
- Developed promotional materials to increase awareness of products and services.
Territory Sales Executive
Kemin Industries South Asia Pvt.Ltd.
Pune
05.2013 - 03.2015
- To set the territory sales targets and achieve them with effective planning and execution.
- To find new potential dairy farmers, feed manufacturers, and local veterinary doctors to obtain potential business.
- Proven experience in launching new products.
- Implemented sales techniques to grow territory.
- Assisted in developing promotional materials for marketing campaigns.
- Developed and implemented strategic plans to increase market share in assigned territory.
- Worked closely with existing accounts to grow market share.
Intern
JK Paper Ltd.
Nandurbar
04.2012 - 05.2012
- Monitoring and evaluation of the standing Subabul plantation in Dhule district, and to understand the farmers' problems regarding Subabul plantation.
- To know the different cultural practices and their correlation with yield.
Education
PGDM - Agri Business Management
VAMNICOM
Pune, MH01.2013
B.Sc. - Agriculture
MPKV
Rahuri, MH01.2011
Skills
- Risk Assessment
- Effective planning and execution
- Audit planning and management
- Portfolio Analysis
- Vendor management
- Product launching
- Teamwork
- Multitasking Abilities
- Financial data analysis
Languages
- English
- Hindi
- Marathi
Hobbies and Interests
- To play 'VOLLEYBALL'
- Reading
- Listening music
Personal Information
Date of Birth: 07/14/88
Mobile Numbers
- +91 77 44 979716
- +91 76 66 789771
Accomplishments
- Recognized by the 'SUPERNOVA' award for demonstrating elevated performance during the first year of service
- Recognized by the 'SILVER STAR' award for effective policy and process of underwriting
- Recognized and appreciated by the global CEO of Kemin Industries for demonstrating outstanding business growth and a new product launch during the first year of service
Languages
Marathi
First Language
Hindi
Proficient (C2)
C2
English
Proficient (C2)
C2
Timeline
Internal Audit Manager (Rural Lending Audits)
Axis Bank Ltd.
11.2022 - Current
Credit Manager (Retail Agri Policy & Underwriting)
HDFC Bank Ltd.
11.2015 - 11.2022
Territory Sales Manager
Hytech Seed India Pvt.Ltd.
03.2015 - 10.2015
Territory Sales Executive
Kemin Industries South Asia Pvt.Ltd.
05.2013 - 03.2015
Intern
JK Paper Ltd.
04.2012 - 05.2012
PGDM - Agri Business Management
VAMNICOM
B.Sc. - Agriculture
MPKV
Similar Profiles
ADITYA KALEADITYA KALE
Zonal Sales Manager at Axis Bank Ltd.Zonal Sales Manager at Axis Bank Ltd.
Vikas KumarVikas Kumar
Relationship Manager- Agriculture Dept. at Axis Bank Ltd.Relationship Manager- Agriculture Dept. at Axis Bank Ltd.
SWAPNIL VISHWAS AYARESWAPNIL VISHWAS AYARE
Senior IT Business Analyst - Manager at Axis Bank Ltd.Senior IT Business Analyst - Manager at Axis Bank Ltd.