Rupesh Kumar Pandey

Resourceful Credit Manager successful at improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.

Seasoned Area Credit Manager with a solid background in credit risk management and customer service. Known for proficient skills in strategic planning, financial analysis, and budgeting. Strengths include good decision-making, leadership abilities, and negotiation skills. Demonstrated positive impact on revenue growth through effective credit control measures and policy development in past roles.

Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.

• English
• Hindi
• Bengali

• Mahindra & Mahindra Financial Services Limited, Branch Head Accountant, 03/03/2014 to 01/07/2024,
• Leading team training and guiding them through schemes, evaluation, and appraisal for files of auto loans, tractor loans, commercial vehicles loans, farm equipment, and other loans.,
• Providing solutions for day-to-day operational problems in the branch.
• Ensuring compliance with all business operating guidelines of the company.
• Detecting and reporting fraud to the concerned manager., Conducting early visits to delinquent cases.
• Focusing on improving branch ratings by addressing audit observations.
• Attending monthly sales meetings at the dealer point with the dealer team to share schemes, identify stock, and increase market share.
• Conducting proper inventory check-ups at respective Trade Advance dealer points.
• Attending meetings with manufacturers' personnel to understand their requirements and increase market share.
• Responsible for business development at different channels levels.
• Coordinating with all departments to raise the Branch Profit before tax.
• Ensuring quality portfolio of the branch within set parameters.
• Handling legal cases and monitoring the collection process.
• Visiting NPA & BD customers with the team to solve and identify the reasons.
• Following up for timely payment processes of clients.
• Following up for post-disbursement documents.
• Focusing on MIS & daily reporting to RO and HO.
• Conducting monthly basis reconciliation processes for Bank, stock, and TA.
• Motivating the team to generate cross-selling as FD and SIP.
• Generating leads for refinance business.

• Rewarded with the Dhruv Tara for outstanding performance.
• Won awards multiple times for cross-selling SIPs and FDs.
• Received the VP's Pride Certificate of Appreciation for exceptional cross-selling of SIPs, ranking 2nd nationwide from 01/2015 to 03/2015.