Rajnish Kumar Pandey

• Achieving & exceeding Business goals and targets for Rural Two Wheeler Loans

• Creating a strong & compliant sales culture to drive business.

• Sales Force Management, data management and efficient use of call center leads

• Dealer visit along with sales manager/FOS

• Portfolio management – 99.50% zero bucket collections

• Maintaining FEMI at 9% across location & span

• Monthly 15 days location travel

• Ensure team adherence to sales governance & compliance processes

• Adherence to customer delivery TAT

• Ensure implementation of promotional plans & contests and suggesting new and innovating promotion plan for the area of work.

• Recruiting and Retaining high performers.

• Managing the Delinquency of the business sourced to ensure health of portfolio

• Excel & power point presentation knowledge & skills

• Daily review with SM regarding projection

• Reviews with SM on projection verses delivery daily, to spur planning for the next day

• Ensures execution of the defined activity plan for customer visits by the team during the day

• Assists in Collections in HTS cases for buckets X and 1, as well as higher buckets

• Taking care of product like Small Batch Loan , Agree Loan , Jana kalyan Loan, NANO( Personal Loan ), Gold Loan.

• Portfolio management – 99.50% zero bucket collections

• Ensure team adherence to sales governance & compliance processes

• Adherence to customer delivery TAT

• Ensure implementation of promotional plans & contests and suggesting new and innovating promotion plan for the area of work.

• Recruiting and Retaining high performers.

• Team management & Grooming of the team to achieve their respective targets

• Managing the Delinquency of the business sourced to ensure health of portfolio

• Daily review with Area head regarding projections / activity plan for the day

• Ensures execution of the defined activity plan for customer visits by the team during the day Assists in Collections in HTS cases for buckets X and 1, as well as higher buckets

• Managing Collection Team in Jabalpur Cluster ( Jabalpur , Panagar , Katni , Satna , Sagar )

• Responsible for NCL/Watch listed accounts with regular follow-ups to minimization of NCL Accounts.

• Recruit and train to the collection team for the effective collection & Recovery.

• Monitor & Review the activities of the collection teams.

• Executive collection planning at the area level for efficient collection and recovery.

• Monitor and ensure adherence to collections process and report the fraudulent practices of agency.

• Submit recommendations to regional collection manager for discontinuing agencies based of performance.

• Appraisal and underwriting of the Group loan Products (JLG) through GRT (GRT cum Verification of Applicants/Co-Applicants Residence place, Business Place, Job & Office Place) including Neighbors reference checks.

• Responsible for entire business of Non Group Loan Products like GEL( Growing Enter Prises loan

/PL( Personal Loan ) , TW, Consumer Durable Products and Group Loans (JLG).

• Help to grow the branch portfolio as productive with mitigation of risk elements.

• Managing to entire credit process from log-in to file disbursement.

• Managing to quality cum healthy portfolio & collection

• Managing & Verification of all internal & external Credit Bureau Checks (CIBIL+High Mark) Managing to PDD (Post Disbursement Documents) for TW, Machinery & CV Loans.

• Responsible for NCL/Watch listed accounts with regular follow-ups to minimization of NCL Accounts.

• Help to grow up the branch portfolio as productive with mitigation of risk elements for entire Pipariya & Chhatarpur regions.

• Managing to entire branch process & compliance for entire Pipariya & Chhatarpur regions.

• Managing to quality cum healthy portfolio & collection according to branch business plan for entire Pipariya & Chhatarpur regions.

• Managing Team and Branch for entire Pipariya & Chhatarpur regions.

• Tracking of existing Group Collection on daily basis for entire Pipariya & Chhatarpur regions.

• Policy & Products Training and Awareness initiatives on weekly & Monthly basis to entire team members for entire Pipariya & Chhatarpur regions.

• Training & recruitment and Appraisal & Performance review