Rudra Pratap Singh Baghel
Virar West
Summary
Experienced Area Credit Operations Manager skilled in effectively managing a diverse portfolio. Demonstrates strong leadership abilities and a practical, analytical approach to business development and problem-solving. Seeking a multi-disciplinary career that combines innovation, excitement, challenge, and a focus on collaborative teamwork and high-quality work in today\'s rapidly changing economy. Thrives in dynamic and challenging environments that offer opportunities for personal and professional growth. Committed to adding value to both the organization and myself through abilities and skills. Aspire to achieve an eminent position through perseverance and hard work, advancing a career in this field.
Overview
16
16
years of professional experience
2
2
years of post-secondary education
2
2
Languages
Work History
Area Credit Operation Manager
Cholamandalam Investment & Limited
07.2022 - Current
- Credit Risk appraisal & evaluation of Loan proposals
- Subsequent recommendation to appropriate level as per extant delegation
- To ensure credit policy adherence to the accepted standards
- Evaluation & approval of loan disbursements
- To manage and supervise a team of credit underwriters and provide guidelines
- Monitoring and periodic review of portfolio & supervising the overall Risk & Credit checks/controls
- Ensuring the compliance's for the purpose of post disbursement monitoring
- Monitoring of cost / Cash Flow / Budgets, Escrow monitoring & loan covenants
- Comparison and reporting (findings) in line with projections
- Develop Vendors for addressing Credit risk needs
- Location & site visits whenever required and evaluate the quality and adherence to the policy norms
- Providing inputs on system capability and other processes within a reasonable TAT
- Conduct training of the Team on regular basis
- To have a sound knowledge of the market in terms of risks associated with the product and prevalent market practices in the area of operation
- Portfolio monitoring / tracking & escalation of adverse new events in the portfolio of area
Regional Credit Manager
Satin Finserv Limited
08.2020 - 07.2022
- Participating in credit policies and process making team
- To manage and supervise a team of credit underwriters and provide guidelines
- Doing Market survey for checking business opportunity for growth of portfolio
- Monitored all credit requests and approved and disapproved it after analyzing it
- To ensure credit policy adherence to the accepted standards
- Maintained portfolios of lenders and ensured quality at par with bank standards
- Portfolio monitoring / tracking & escalation of adverse new events in the portfolio of area
- Evaluated loan structures and ensured credit standards according to company goals and policies
- Reviewed new and existing portfolios and identified risk areas
- Coordinated with technical experts on all large and complex loans
Branch Credit Manager
HDB Financial Services Private Limited
02.2018 - 04.2020
- Secured and unsecured proposals for loan customers as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes
- To conduct personal discussion with customers to establish Credit worthiness
- The incumbent will ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits
- To ensure credit policy adherence to the accepted standards
- To coordinate with sales to achieve targets and ensure TAT or SLAs are met
- Monitored all credit requests and approved and disapproved it after analyzing it
- Maintained portfolios of lenders and ensured quality at par with bank standards
- Evaluated loan structures and ensured credit standards according to company goals and policies
- Reviewed new and existing portfolios and identified risk areas
- To control and contain front-end delinquencies by calling up customer on first presentation
- Coordinated with technical experts on all large and complex loans
Area Manager
Samruddha Jeevan Multi State Multi-Purpose Co-operative Society Ltd.
04.2013 - 09.2015
- As an Area Manager, In charge of all UP East branches for to ensure that developing sales programs that maximize sales from the assigned accounts to the target accounts
- Overseeing and conducting market research to develop and implement sales initiatives
- Developing and implementing sales strategies and product knowledge
- Responsible for all the administrative work is managed competently, and in accordance with the companies changing priorities and deadlines
- Manage budget and allocate resources appropriately
- Address customer and employee satisfaction issues promptly
- Adhere to high ethical standards
- Comply with all regulations/applicable laws
- Prepare and present reports on market movement and penetration
Branch Manager
Samruddha Jeevan Foods India Ltd.
04.2009 - 04.2013
- In charge of organizing, prioritizing and delegating tasks effectively to ensure that all administrative work is managed competently, and in accordance with the companies changing priorities and deadlines
- Research local market conditions
- Identify current and prospective sales and expansion opportunities
- Develop forecasts, financial objectives and business plans to Meet business goals and metrics
- Direct all operational aspects such as distribution operations, customer service, human resources, administration, marketing and sales
- Bring out the best of branch's personnel by providing training, coaching, development and motivation
- Locate areas for improvement and Propose corrective actions
- Share knowledge and insights with other branches and headquarters
- Manage budget and allocate resources appropriately
- Address customer and employee satisfaction issues promptly
- Adhere to high ethical standards
- Comply with all regulations/applicable laws
- Prepare and present reports on market movement and penetration
Education
MBA - Finance marketing
ICFAI University Dehradun
01.2007 - 04.2009
Graduation - undefined
Gorakhpur University
GorakhpurIntermediate - undefined
U.P.Board
AllahabadHigh school - undefined
U.P.Board
AllahabadSkills
Managerial abilities
Extra-Curricular Activities
Active member of 52Bn. N.C.C., Deoria U.P. Active member of Scouts and Guides, U.P. Active participation in all ICFAI college functions Active player of college cricket team
Technical Qualifications
- Accounting (Tally)
- SAP SD Module
- Certificate in Computer Science
Summer Internship
Angel Broking Ltd., Lucknow, Management Trainee, A comprehensive study of awareness of stock market
Personal Information
- Father's Name: Mr. Jai Mangle Singh Baghel
- Date of Birth: 05/01/83
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Awards
- Best Performer of SIP in North Region
- Best Cricket player of the college from 1997-2001
- Best athletic player in 1995 and 1996 college
Timeline
Area Credit Operation Manager
Cholamandalam Investment & Limited
07.2022 - Current
Regional Credit Manager
Satin Finserv Limited
08.2020 - 07.2022
Branch Credit Manager
HDB Financial Services Private Limited
02.2018 - 04.2020
Area Manager
Samruddha Jeevan Multi State Multi-Purpose Co-operative Society Ltd.
04.2013 - 09.2015
Branch Manager
Samruddha Jeevan Foods India Ltd.
04.2009 - 04.2013
MBA - Finance marketing
ICFAI University Dehradun
01.2007 - 04.2009
Graduation - undefined
Gorakhpur University
Intermediate - undefined
U.P.Board
High school - undefined
U.P.Board
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