Ram Prakash Mishra
Sultanpur
Summary
A seasoned professional with a proven track record at UCO Bank, I excel in SME banking and agricultural finance, demonstrating exceptional stakeholder engagement and team leadership. Spearheaded initiatives achieving 100% target completion, significantly enhancing credit risk analysis and recovery strategies. My career is marked by strategic policy implementation and driving operational excellence.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Assistant General Manager (AGM) & Head, SME and Agri Hub
UCO Bank
Coimbatore
07.2024 - Current
- Managing and sanctioning credit proposals exceeding ₹10 lakh for SME and agricultural portfolios
- Driving operational excellence in banking processes and enhancing customer service satisfaction
- Leading initiatives for financial inclusion and implementing policies for credit risk management
- Spearheaded high-value credit proposals, achieving 100% target completion consistently
- Successfully optimized the bank’s financial performance through effective strategic planning
- Enhanced operational efficiency and streamlined processes to meet organizational objectives
- Represented UCO Bank at SIBOS 2024, Beijing, showcasing expertise in global financial trends and networking
- Instrumental in training and developing talent during tenure as faculty at RTC Jaipur
AGM & Head, SME Hub
UCO Bank
COIMBATORE
05.2022 - 07.2024
- Developed and implemented strategies to increase sales for the SME.
Branch Head
UCO Bank
Jaipur
07.2020 - 05.2022
- Managed daily operations of a branch, including customer service, staff scheduling, and product distribution.
- Developed strategies to increase sales and improve customer satisfaction levels.
- Established goals for each department within the branch and monitored their progress towards achieving those goals.
Faculty, Regional Training Centre (RTC)
UCO Bank
Jaipur
07.2017 - 07.2020
- Assisted in the development of marketing materials, such as brochures, flyers, and promotional items.
- Gathered data for market research projects and analyzed findings to make recommendations.
- Collaborated with team members to create a comprehensive social media strategy.
- Conducted interviews with customers to gain insights into their experiences.
- Developed presentations and organized events to promote products or services.
- Contributed ideas during brainstorming sessions to generate creative solutions.
- Researched industry trends and competitor strategies to inform decision making.
- Analyzed financial statements to identify areas of improvement in business operations.
- Provided training sessions for new employees on company procedures and protocols.
Branch Head
UCO Bank
RENUSAGAR & DURGAPUR
08.2015 - 07.2017
- Managed daily operations of a branch, including customer service, staff scheduling, and product distribution.
- Developed strategies to increase sales and improve customer satisfaction levels.
- Established goals for each department within the branch and monitored their progress towards achieving those goals.
Zonal Recovery In-Charge
UCO Bank
VARANASI
12.2013 - 08.2015
- Provided technical training and assistance to store staff in the assigned zone.
- Conducted product knowledge sessions for store staff, ensuring that all relevant information was communicated clearly and accurately.
- Organized weekly team meetings with store managers to discuss performance metrics and customer service initiatives.
- Performed regular on-site visits to stores within the assigned zone to ensure adherence to company policies and procedures.
- Collaborated with regional management teams to develop innovative strategies for increasing sales volume in each store location.
- Analyzed current operations of stores within the region, identifying areas of improvement and recommending solutions accordingly.
- Assisted in developing promotional materials such as brochures, flyers, posters. for use in marketing campaigns.
- Provided ongoing support to store personnel regarding customer service issues or complaints received from customers within the region.
- Facilitated workshops designed to enhance employee engagement levels within each store location.
- Maintained accurate records of all training activities conducted throughout the assigned zone.
Branch Head
UCO BANK
SULTANPUR & JAUNPUR
04.2011 - 12.2013
- Managed daily operations of a branch, including customer service, staff scheduling, and product distribution.
- Developed strategies to increase sales and improve customer satisfaction levels.
- Created and implemented new policies that improved the efficiency of the branch's operations.
- Established goals for each department within the branch and monitored their progress towards achieving those goals.
- Analyzed financial statements and prepared reports on budget performance for senior management.
- Conducted regular meetings with team members to discuss any issues or concerns related to their work.
- Resolved customer complaints in a timely manner while maintaining a high level of professionalism.
- Coordinated promotional activities to generate interest in products offered by the branch.
Branch Staff
UCO Bank
UTTAR PRADESH
08.2006 - 04.2011
- Assisted customers with opening new accounts, deposits, withdrawals and loan applications.
- Provided excellent customer service by responding to inquiries in a timely manner.
- Performed daily cash balancing activities and monitored the vault for accuracy.
- Processed payments and maintained accurate records of transactions.
- Developed relationships with local businesses to increase branch revenue.
- Resolved customer complaints in a professional manner.
- Cross-sold products such as credit cards, savings accounts and investments to clients.
- Educated customers on banking products, services and current promotions.
Probationary Officer (PO)
UCO Bank
GOLA GOKARAN NATH
08.2006 - 08.2008
- Assisted the senior officers in managing the probationary services for clients.
- Provided guidance and support to clients during their probation period.
- Ensured that all relevant paperwork was completed accurately and promptly.
- Monitored client compliance with conditions of release from prison or parole board requirements.
- Identified potential risks posed by offenders prior to release into the community.
Education
Ph.D. - Agricultural Extension
Chandra Shekhar Azad University of Agriculture And Technology
Kanpur01.2006
M.Sc. - Agricultural Extension
Chandra Shekhar Azad University of Agriculture And Technology
Kanpur01.2004
B.Sc. - Agriculture and Animal Husbandry
Chandra Shekhar Azad University of Agriculture and Technology
Kanpur01.2000
Intermediate -
Janata Inter College
Belahari, Sultanpur, India01.1996
High School -
Janata Inter College
Belahari, Sultanpur, India01.1994
Skills
- SME banking
- Agricultural finance
- Credit risk analysis
- Strong decision-making abilities
- Stakeholder engagement
- Team leadership
- Policy formulation and implementation
- Recovery and risk mitigation strategies
Additionalhighlights
- Recognized for exceptional contributions to financial inclusion in underserved rural and semi-urban areas.
- Demonstrated excellence in cross-functional collaboration, enhancing both team and organizational productivity.
- Expert in formulating sustainable strategies for rural economic development and women empowerment.
Personal Information
- Date of Birth: 08/11/78
- Gender: Male
Languages
- Hindi, Native Proficiency
- English, Professional Proficiency
Skillsandexpertise
SME banking, Agricultural finance, Credit risk analysis, Strong decision-making abilities, Stakeholder engagement, Team leadership, Policy formulation and implementation, Recovery and risk mitigation strategies
Keyacademicexpertise
- Comprehensive knowledge in agricultural sciences
- Watershed management
- Rural development
- Women’s empowerment strategies
Affiliations
- Gardening, Planting
Languages
Hindi
First Language
English
Proficient (C2)
C2
Sanskrit
Intermediate (B1)
B1
Bhojpuri
Intermediate (B1)
B1
Accomplishments
- Almost every my posting I achieved the allotted target for that many times I have been awarded with many different certificates. One of amongst was Nomination to visit China during SIBOS conference at Beijing.
Certification
- So many certificates I got one amongst is CAIIB certificate by IIBF
Timeline
Assistant General Manager (AGM) & Head, SME and Agri Hub
UCO Bank
07.2024 - Current
AGM & Head, SME Hub
UCO Bank
05.2022 - 07.2024
Branch Head
UCO Bank
07.2020 - 05.2022
Faculty, Regional Training Centre (RTC)
UCO Bank
07.2017 - 07.2020
Branch Head
UCO Bank
08.2015 - 07.2017
Zonal Recovery In-Charge
UCO Bank
12.2013 - 08.2015
Branch Head
UCO BANK
04.2011 - 12.2013
Probationary Officer (PO)
UCO Bank
08.2006 - 08.2008
Branch Staff
UCO Bank
08.2006 - 04.2011
Ph.D. - Agricultural Extension
Chandra Shekhar Azad University of Agriculture And Technology
M.Sc. - Agricultural Extension
Chandra Shekhar Azad University of Agriculture And Technology
B.Sc. - Agriculture and Animal Husbandry
Chandra Shekhar Azad University of Agriculture and Technology
Intermediate -
Janata Inter College
High School -
Janata Inter College
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