Sangarsh Angura
Banking
Amritsar,PB
Summary
Motivated Bank Manager passionate about providing excellent customer service and exceeding expectations. Talented professional well-versed in service marketing and credit offerings. Inspires staff loyalty through strong leadership and communication skills.
Overview
9
9
years of professional experience
Work History
Credit Manager
Bank Of Baroda
12.2023 - Current
- Maintained accurate records of all customer interactions, ensuring transparency in reporting and easy access for future reference or legal purposes if necessary.
- Successfully Marketed and executed Bank Credit Products in response to changing market conditions, industry trends, and emerging risks.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Enhanced department efficiency by streamlining processes, reducing errors, and automating routine tasks.
- Currently Handing Credit Portfolio of 110 Cr including MSME/Retail Products
Branch Head
Bank Of Baroda
4 2022 - 12.2023
- Oversee all operational facets, encompassing distribution operations, customer service, human resources, administration, and sales.
- Act as the Credit Manager in analyzing the proposals which include MSME and Retail.
- Contributed in achievement of Targets by coordinating a team of 10 Members with GL size of 75 Cr.
- Foster a culture of continuous improvement and employee development and analyze operations to pinpoint areas where enhancements are needed.
- Achieved Targets of FY 2023-24 before the timeline and Increased Branch Rating by 20% through Implementing Effective Compliance and new Customer Service Strategies
- Achieved consistent growth in loan portfolio by offering tailored financial solutions to clients'' needs.
Credit Manager
Bank Of Baroda (Esrtwhile Vijaya Bank)
03.2017 - 04.2022
- Assess client creditworthiness.
- Create predictive risk assessment tools.
- Approve or reject loan requests, based on credibility and potential revenues and losses
- Participated in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.
- Keep loan application documentation and Monitor repayment schedules.
- Consistently achieved monthly collection targets by prioritizing accounts based on risk level and potential impact on cash flow.
Branch Operation
Vijaya Bank
07.2015 - 02.2017
- Coordinated special events at the branch location which resulted in increased foot traffic.
- Enhanced customer experience by providing exceptional service and addressing concerns promptly.
- Managed daily branch operations for optimal productivity and customer satisfaction.
- Overhauled outdated operational procedures to increase branch effectiveness and reduce errors.
- Contributed to ongoing process improvements that led to increased efficiency across various aspects of branch operations.
- Maintained friendly and professional customer interactions.
Education
NATIONAL INSTITUTE OF TECHNOLOGY, JALANDHAR
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INDIAN INSTITUTE OF BANKING AND FINANCE, JAIIB
Skills
Interpersonal Skills
Organizational Skills
Decision-Making
Proactive and Focused
Customer Service
Risk Assessment
Sales Support
Websites
Timeline
Credit Manager
Bank Of Baroda
12.2023 - Current
Credit Manager
Bank Of Baroda (Esrtwhile Vijaya Bank)
03.2017 - 04.2022
Branch Operation
Vijaya Bank
07.2015 - 02.2017
Branch Head
Bank Of Baroda
4 2022 - 12.2023
NATIONAL INSTITUTE OF TECHNOLOGY, JALANDHAR
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INDIAN INSTITUTE OF BANKING AND FINANCE, JAIIB
Awards
- 2023 2nd Position in "CASA Premier League" - Chandigarh Zone
- FY 2022-23 1st Place in Gold Loan Performance
- FY 2022-2023 186 percent CASA Growth
- FY 2022-2023 152 percent Total Advances Growth
- FY 2022-2023 400 percent growth in MSME advances
- FY 2022-2023 700 percent Branch profit growth
Awards
- 2023 2nd Position in "CASA Premier League" - Chandigarh Zone
- FY 2022-23 1st Place in Gold Loan Performance
- FY 2022-2023 186 percent CASA Growth
- FY 2022-2023 152 percent Total Advances Growth
- FY 2022-2023 400 percent growth in MSME advances
- FY 2022-2023 700 percent Branch profit growth