Sangram Sahoo
Deputy Vice President,Annapurna Finance Pvt Ltd.
Bhubaneswar
Summary
A motivated finance professional, having over six years of experience in Rural and Agriculture based finance. In this career span I have gained experience in part of Product Development, Portfolio Management, Planning and Strategy, Channel Management and Business Development. The products I have been dealing in includes – Fund Based and non fund based loans for SHG/JLG , agri ancillary activities, Micro and Small Business Loans in Rural Areas, income generating Loans, SWASTH Loans, KIVA Loans, Gold Loans, PSL , Microfinance and other consumer Loans.
Overview
7
7
years of professional experience
6
6
years of post-secondary education
Work History
Deputy Vice President
Annapurna Finance pvt ltd
Bhubaneswar
05.2015 - Current
- Managing a portfolio of over 300 cr (YBL and DCB) Viz a viz product distribution, risk factors, delinquencies and mantaining the hygiene.
- Undertaking process related activities and liaising with Bank-DCB and YBL like Operations, compliance, Payouts, Financial and operational reports and legal etc
- Responsible for consistently improving the productivity of BC Channel viz-a-viz increasing the geographical penetration and business Development
- Preparation of proposal (CAM) for exposure limit enhancement
- Assigning tasks to team members, reviewing action plans and monitoring the day to day work, to implement the strategy and delivering objective
- Responsible for consistently improving the productivity of BC Channel viz-a-viz increasing the geographical penetration and business Development
- Setting up monthly and quarterly disbursement and book budgets for Relationship Managers,District Managers and ADMs and providing enablers for target achievements by means of facilitating support from central office teams
- Keeping a track of the proposals in pipeline at various stages of disbursement such as bank approval,Credit team approval and technical approvals, pre-disbursement documentation,etc
- Ensuring compliance to statutory regulations as applicable to the branches
- Keeping check on audit frequency & compliance to ensure quality portfolio
- Preparing financial & operation update reports and presenting to banking partners
- Undertaking process related activities and liaising with Bank-DCB and YBL like Operations, compliance, Payouts, Financial and operational reports and legal etc
- Preparation of proposal (CAM) for exposure limit enhancement
- Provide inputs for product and process enhancements based on business team’s reviews and feedbacks, so as to increase the acceptability and competitiveness of the product
- Implementation of MIS Technology initiatives such as – Br.Net in DCB bank.
- Design and execute campaigns to develop synergies between field staff and promote business and product distribution through various channels
- Conduct regional meetings and trainings for field staff to discuss challenges, requirements and build effective strategies for business expansion
- Prepare business reports and presentations at desired frequencies for review by senior management.
- Ensure necessary reporting/MIS shared with all the stakeholders
Intern
NABARD Financial services ltd
04.2014 - 06.2014
- Assessment of Business Potential in Rajasthan and Gujarat
- The study consists of analysis of microfinance industry of Rajasthan and Gujarat,customer ananlysis,competitor’s analysis.The study include design parameter like loan amount demand target clients and timeframe.
System Engineer
Infosys ltd
08.2011 - 02.2012
Education
MBA (Post Graduate Diploma - Forestry Management, Development Management
Indian Institute of Forest Management
01.2013 - 01.2015
Bachelor of Engineering - Electrical and Electronics Engineering, Electrical Engineering
Silicon Institute of Technology
01.2007 - 01.2011
Skills
Leadership
Additional Information
- Achievements , Awarded for contribution to the department at Performer’s meet, Malaysia. Awarded for being an active member and conducting various campaigns for National Service Scheme throughout the graduation. Designed a Solar Panel orientation system controlled by stepper motor using Microprocessor to increase the efficiency of generation as a graduationProject. Interests Travelling, Music, Movies, Wild life Exploration, Social Service.
Timeline
Deputy Vice President
Annapurna Finance pvt ltd
05.2015 - Current
Intern
NABARD Financial services ltd
04.2014 - 06.2014
MBA (Post Graduate Diploma - Forestry Management, Development Management
Indian Institute of Forest Management
01.2013 - 01.2015
System Engineer
Infosys ltd
08.2011 - 02.2012
Bachelor of Engineering - Electrical and Electronics Engineering, Electrical Engineering
Silicon Institute of Technology
01.2007 - 01.2011
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