Sangharsh Tayade
Summary
Dynamic and results-oriented Relationship Manager with 2+ years of experience in the banking industry, specializing in education loans. Proven track record of successfully managing client relationships, assessing financial needs, and facilitating loan approvals. Adept at providing financial advice and solutions tailored to meet individual customer goals while adhering to regulatory guidelines.
Overview
3
3
years of professional experience
Work History
Relationship Manager
Bank of Baroda
Pune
02.2022 - Current
- Strategize and initiate partnerships with consultants.
- Manage and maintain the relationship with the partners and source the lead.
- On board new partners, source leads from them, as well as identify active and inactive partners, and work on to restart inactive partners to enhance business.
- Manage and maintain the lead, and give the update on this to partner.
- Contacting potential clients to establish rapport and arrange meetings.
- Managed a portfolio of education loan clients, ensuring their financial needs were met efficiently and effectively.
- Advised customers on loan products, terms, and conditions, providing clarity on repayment schedules and interest rates.
- Conducted thorough credit analysis and risk assessments to determine loan eligibility and minimize defaults.
- Collaborated with cross-functional teams to streamline loan processing and improve turnaround times.
- Maintained compliance with all regulatory requirements and internal policies.
- Increasing the value of current partners, while attracting new ones.
- Finding and developing new markets, and improving sales.
- Attending conferences, meetings, and industry events.
Relationship Manager
HDFC Credila Financial Services Limited
10.2021 - 02.2022
- Provide loans to customers who are planning to go to the USA, Canada, or other countries abroad.
- Evaluating creditworthiness by processing loan applications and documentation within specified limits.
- Interviewing applicants to determine financial eligibility and feasibility of granting loans.
- Determining all applicable ratios and metrics and setting up debt payment plans.
- Communicate with clients either to request or to provide information.
- Justify decisions (approvals/rejections) and report on them
- Complete loan contracts and counsel clients on policies and restrictions.
- Update job knowledge on types of loans and other financial services.
- Maintain and update account records.
- Identify key staff in client companies to cultivate profitable relationships.
- Taking care of file login and disbursement.
- Cross selling, like insurance and mortgage loan, home loan.
Education
MBA - Marketing Management And Research
D Y Patil Institute Pune
Pune04-2021
Skills
- Sales Management
- Processing loans
- Mortgage Loan
- Lead Generation
- Loan Processing
- Business development
- Client Relationship Management
- Loan Portfolio Growth
- Financial Needs Assessment
- Credit Analysis and Risk Management
- Regulatory Compliance
- Excellent Communication Skills
- Team Collaboration and Leadership
- Problem Solving and Decision Making
Timeline
Relationship Manager
Bank of Baroda
02.2022 - Current
Relationship Manager
HDFC Credila Financial Services Limited
10.2021 - 02.2022
MBA - Marketing Management And Research
D Y Patil Institute Pune
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