Sanjay Singh
Mumbai
Summary
Seeking Senior Level Managerial assignments in Bank & Financial Organisation
Business Leader with over 15 years of experience in leading Staff Productivity, Compliance and Business Strategy & Execution Impressive success in driving consistent growth in revenue / profit and improvement in top-line & bottom-line performance through sales and cross-sales of MSME (LAP) HL Retail Assets & Third Party Products Gained overall experience in new business acquisition, leveraging expertise across Banking & Financial industry; hands-on expertise in various retail assets lending products including Secured & Unsecured Loans like Mortgages, Loan Against Property, Home Loans, PL, MSME Expertise in providing strategic directions, establishing business across several geographies right from scratch and building business relationships with stakeholders Evolved strategies that drove expansion of business in highly competitive markets; successfully managed complete personal accounts of customers, restructured problematic accounts and maintained highest customer service levels by responding professionally to customers’ requests Highly skilled in streamlining operations, identifying & mitigating risks and increasing productivity through flawless execution of operations Delivered competitive advantage by enhancing operational effectiveness of the business and maximizing profits Interfaced with stakeholders, suggested viable product & solutions, cultivated relations with them for securing repeat business and ensured quality delivery of products to the clients
Overview
13
13
years of professional experience
Work History
Business Head – HL & LAP (Secured & Unsecured)
Annapurna Finance
11.2017 - Current
- Leading end-to-end P&L accountability of MSME (LAP) Product Vertical
- Handling a Network of 147 Branches and 11 States for MSME and HL (Affordable)
- Handling a Portfolio of 1700 Cr of LAP and HL (60% 40%)
- Managing a Portfolio of 22 Cr for Solar Loans
- Meeting sales targets, augmenting new territories across India and launching & setting up MSME business
- Supervising credit underwriting & operations encompassing pre & post disbursement activities; formulating & implementing credit underwriting process for MSME Retail & Wholesale Lending Product
- Administering delinquencies and ascertaining keeping losses within provisions
- Monitoring risk & compliance and ensuring 100% audit score & adhering to policy guidelines to obtain quality portfolio with very low delinquency
- Instituting clean & profitable MSME portfolio through budget & forecast business and driving sales, credit, operations & collections
- Attaining sales top line, fee income, revenue & insurance targets and marinating manpower, delinquency & processing costs within prescribed limits for Business Vertical
- Nurturing relationships with corporate channels, cross-functional & other business verticals and initiating new relationships.
- Supervising performance of channel partners & business associates and removing gaps for optimization of performance levels
- Contributing toward maintaining low cost of acquisition through healthy channel mix
- Building & maintaining healthy relationships with intermediaries, channel partners, DSAs & online aggregators
- Heading project on cross selling MSME LAP to Captive Micro Finance Customers using existing infrastructure & manpower
- Defining & implementing competitive strategies to increase sales and analysing competition to fine-tune marketing strategies, achieving revenue goals by conceptualizing & implementing National Sales Strategy
- Creating functional budgets & investment proposals and ensuring efficient utilization of business systems
- Collaborating with stakeholders in line with market expectations & competition to ensure continuous evolution of processes & credit policies
- Achieving individual & corporate goals; supporting the improvement of new business & retention of customers to achieve operational goals & key performance indicators while keeping in view the profitability
- Rendering sustained services to clients for high ROI, increasing retention level by achieving quality norms and resolving their issues to attain high customer satisfaction
- Preparing reports to apprise management of the business performance and assisting in formulating future objectives and operational policies/ procedures
- Leading, training & mentoring team members to ensure efficiency in process operations and meeting of targets
- Optimized organization structure, policies & process manuals for Sales, Credit, Operations & Collection Verticals
- Steered efforts in continuously achieving profit for MSME business since Q-II of 2018 where vertical was incurring losses since inception
- Front-led successful project implementation of software Omnifin and Kuliza
- Contributed in boosting Y-O-Y volume growth, thereby significantly reducing delinquencies & costs
- Worked extensively to secure a perfect 100% audit score
- Pivotal in decentralizing disbursement operations and streamlining document storage & ACH processes
- Delivered excellence in rolling out MSME, LAP, PL, Home loan in India
Vice President – West, North & East – (Affordable Home Loans & MSME)
Vistaar Financial Services
04.2014 - 10.2017
- Handling Business for West, North and East (MSME and Affordable Home loans)
- Total Portfolio under consideration was 700 Cr
- Ensuring Targets are met by Each State and Cluster
- Handling a Team of 11 Clusters (80 Branches) 5 States
- Ensuring profitability is Maintained
- Ensuring Product Mix is Delivered
- Attrition is Controlled
- Identification of New Location
- Previously was handling Credit and Collection for the same Region
- Handling a Portfolio of 600 Cr
- Having a Approval Limit of 20 Lacs
- Maintaining a Delinquency Level Still at 0.50% with 34 Months Old Book
- Ensuring Fraud Check to Minimize the Risk of Fraud
- Handling a Team of 11 Cluster Credit Managers
- Guiding 80 Branches
- Responsible for Setting up Entire Credit Process in Region
- Ensuring Chq Bounces and NPA are Within Control (16% and O.2 %)
- Managing, designing and implementing Policy for Products according to Location.
- Managing Post approval reviews (PAR-audits) to ensure policy adherence.
- Conducting Compliance audits and concurrent audit to ensure policy compliance.
- Conducting Process audit to ensure compliance of policy and process across the Zone
- Branch Ratings basis portfolio behaviour and audit reports
- Submit quarterly reports on customers as per the policy after taking the required inputs
- Assess proposals for Secured and Unsecured based on the policy of the bank
- Organising policy training to ensure uniform implementation and understanding of the policy.
- Administering portfolio quality management through portfolio analysis w.r.t delinquency trends, portfolio growth, and portfolio triggers to provide inputs for corrective action.
- Playing a pivotal role in the delinquency management and account maintenance for Product profitability and cost management.
- Analysis of portfolio behaviour across various customer segment, ticket sizes, locations.
AVP Credit and Fraud Control – North and Central
India Shelters Home Finance
01.2013 - 12.2014
- Company Overview: (Gurgaon)
- Underwriting of Mortgages, Home Loans and Loans for Land Purchase
- Having a Approval Limit of 20 Lacs
- Ensuring Fraud Check to Minimize the Risk of Fraud
- Ensuring Chq Bounces and NPA are Within Control
- Managing, designing and implementing Policy for Products according to Location.
- Managing Post approval reviews (PAR-audits) to ensure policy adherence.
- Conducting Compliance audits and concurrent audit to ensure policy compliance.
- Conducting Process audit to ensure compliance of policy and process across the Zone
- Branch Ratings basis portfolio behaviour and audit reports
- Submit quarterly reports on customers as per the policy after taking the required inputs
- Assess proposals for Secured and Unsecured based on the policy of the bank
- Organising policy training to ensure uniform implementation and understanding of the policy.
- Administering portfolio quality management through portfolio analysis w.r.t delinquency trends, portfolio growth, and portfolio triggers to provide inputs for corrective action.
- Playing a pivotal role in the delinquency management and account maintenance for Product profitability and cost management.
- Analysis of portfolio behaviour across various customer segment, ticket sizes, locations.
- (Gurgaon)
Education
Graduation With Hons -
MGKVP
Personal Information
- Date of Birth: 10/08/79
- Gender: Male
Accolades
- HDFC Retail Assets award for excellence, 2005, Mr. Paresh Sukhtankar
- Award for excellence in the retail assets, 2006
- Certificate of recognition for S2S Idea of the year, 2004, GE Money
- Best SCH in Vistaar, 2014/15
Timeline
Business Head – HL & LAP (Secured & Unsecured)
Annapurna Finance
11.2017 - Current
Vice President – West, North & East – (Affordable Home Loans & MSME)
Vistaar Financial Services
04.2014 - 10.2017
AVP Credit and Fraud Control – North and Central
India Shelters Home Finance
01.2013 - 12.2014
Graduation With Hons -
MGKVP