Sanjay Jha

Directed a team of 93 professionals to enhance operational excellence and productivity.

• Oversaw compliance efficiency for vendor ecosystem of 5,500 assayers, ensuring seamless technical integration.
• Championed audit and compliance in retail assets, achieving 100% adherence to regulatory standards.
• Collaborated with national and regional stakeholders to achieve corporate objectives across multiple functions.
• Spearheaded vendor management framework, optimizing costs and strengthening risk controls.
• Streamlined vendor processes, reducing operational costs by 20% in the last fiscal year.
• Enhanced underwriting efficiency through process reengineering, improving productivity by 30% across GL and LAS.
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• Responsible for Credit, Operation & Collections for CV / Tractors & 3 Wheeler Loans
• Reviewed customer financial data to ascertain level of risk involved for extending credit.
• Enforcement of strict credit management policies, so as to maintain portfolio quality and overdue at budgeted levels.
• Device and implement various fraud control methods.
• Training/ orientation of team members, various channel partners & associates on regular basis.
• Supervising the entire operations team.
• Responsible for CRM issues for the branch.
• Conducting regular audit of the portfolio and other administrative and operational areas.

• As Branch in Charge (Asset Finance)
• Overall control of Branch Operation for Retail Asset Finance viz.- Consumer durable, Two Wheeler, Commercial Vehicles & Personal Loans i.e responsible for marketing, credit administration and Back Office operations of the portfolio, for achieving the set targets).
• Supervision and guidance of Staff for execution of the duties efficiently in required time frame.
• Planning of various sales promotional activities, and also designing various finance schemes to increase the market share.
• Co-ordination with dealers for business development for the state of Goa.
• Liasioning with external agency viz. DMA’s, Collections & F.I Agency.
• Sanctioning of T/W Loan under the parameter set by the Bank.
• Reporting to R.O & H.O on performance of Branch on regular basis.
• Compliance of H.R & Branch Administration formalities.

• Was responsible for sourcing of CV & CE proposals.
• Credit Appraisal of proposal of satellite branches.
• Assisting in collection of outstanding in C.V Portfolio.