SANJAY KUMAR AGRAWAL

• Promoted a culture of innovation and encouraged staff to contribute ideas.
• Monitored progress by establishing plans, budgets and measuring results.
• Coordinated resources across departments to maximize productivity levels.

• Provided leadership, insight and mentoring to newly hired employees to supply knowledge of various company programs.
• Created detailed plans outlining timelines, goals, budgets, staffing needs and other requirements for projects.

Corporate Credit

Extended & managed corporate credit for LCB Mumbai, aiding in the achievement of branch targets

Oversaw finances for diverse clients spanning sectors such as NBFCs, Manufacturing, Real Estate, EPC, and Infrastructure.

Utilized negotiation and business development skills to source new business, contributing to increased bank revenue.

Infrastructure & Project Finance

Extensive experience in financing various projects including roads, bridges, hospitals, shipping, airlines, and airport infrastructure.

Executed responsibilities for banking accounts such as J Kumar Infra Projects, HPCL Rajasthan Refinery, and Simar Port among other projects.

Performed Credit Assessments for major corporations such as Reliance Industries Ltd, LIC Housing Finance Company Ltd, and Axis Finance Limited.

Successfully executed factoring transactions for Reliance Industries and Jio Digital Fibre Private Limited, enabling the bank to enter a new segment within just one week.

Asset Reconstruction (ARC)

Served as part of the team in the Asset Reconstruction Department, facilitating the sale of banks' NPAs to eligible purchasers

Facilitated the efficient clean-up of the bank's balance sheet by selling non-performing assets (NPAs) to asset reconstruction companies (ARCs) at a mutually agreed and advantageous price.

Enforced securities by selling assets under SARFESAI, restructured or liquidated through NCLT, One Time Settlement, and asset sales to ARCs as the Vertical Head of Recovery at the Bank.

Recovery Department

Managed recovery department of bank, recovering maximum amount from NPA account.

Informed and assisted the bank in matters related to acquiring security earlier than expected, determining its value accurately, and executing swift sales. Facilitated significant retrieval of outstanding balances from NPA accounts/defaulters.

Credit Monitoring

Proficient in monitoring standard and SMA accounts, utilizing effective techniques as the Vertical Head of the Bank for Credit Monitoring.

Implemented effective account monitoring strategies in the credit department, resulting in the generation of early warning signals to mitigate potential bank losses.

Offered guidance to the bank in identifying and monitoring high-risk accounts, ensuring they are not classified as NPAs.

Compliance and Audit

Complied with all compliances in a timely manner to prevent adverse impact on bank operations

Contributed to the successful completion of Statutory, Concurrent, Inspection, and Revenue audits by ensuring adherence to timelines and avoiding any adverse reports.

Micro, Agricultural, Retail & SME lending

Served as an Agricultural Officer for a decade, overseeing operations in Uttar Pradesh. Promoted to Lead District Manager.

Utilized a diverse skill set to effectively manage the mobilization, appraisal process including documentation, monitoring progress on loans provided to various sectors such as agriculture and microcredit for self-help groups (SHGs), retail lending as well as MSME loans.