Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Uses independent decision-making skills and sound judgment to positively impact company success.
Overview
5
5
years of professional experience
16
16
years of post-secondary education
Work History
Manager - Home Loans, Sales; Retail Assets
HDFC BANK LTD.
03.2022
Managing Home Loan for Regional Bank Branch Channel - Bhubaneswar, Rourkela, Sundergard, Sambalpur & Balasore; 72 branches in the state headed by 8 Cluster Heads
Leading a team of 13 executives and managed their disbursements & incentives
Provided customers Insurance Coverage over their Home Loan by explaining them necessities of maintaining a long relationship in terms of debt in any organisation
Managed leads from 72 branches consisting of - Branch managers, Relationship Managers & Personal Bankers by maintaining customer - branch relation and providing support and service for further branch relation
Manager - Home Loans, Sales; Retail Assets
HDFC BANK LTD.
02.2021 - 02.2022
Managed Home Loan for Virtual Sales Channel, Mumbai Unit consisting of 200+ employees with 11 team leaders, 2 Unit heads
From Lead to disbursement, supervised and controlled disbursement for 15 plus crores each month
Lead a team of 10+ executives and managed their productivity month on month
Managed leads from the lead source of 200 employees by provided reports, feedbacks & coordinated with credit, technical & legal teams of HDFC LTD to provide disbursement to customers
Engaged with customers to provide property advises and provided solutions in terms of legal documents
Deputy Manager - Asset Management, Real Estate
PIRAMAL CAPITAL & HOUSING FINANCE LTD.
12.2017 - 02.2021
Reviewing, controlling and monitoring of 50 projects being developed by 20 developers of Mumbai Metropolitan region with a book value of 12,200 Crores & AUM of 7,280 Crores
Projects comprising of Residential buildings like the Lodha World Towers, Rustomjee Urbania Thane, Kanakia Future Powai; commercial buildings like Lodha Supremus, Kubelisque Building Khar & restaurants like Yaucha BKC
Monitoring of sale proceeds in comparison to escrow account collections in order to avoid leakage of cash
Monitoring the end use of fund by analysing project costs vis-à-vis disbursement
Forecasting events of default in terms of loan servicing by monitoring of sale pricing & stage of construction, accordingly suggesting counter measures
Providing monthly EWS (Early Warning Signal) report with team to Managing Director
EWS report is a categorization for all loans into 4 types based on degree of criticality - Green, Yellow, Amber & Red
Suggesting sweep change of escrow account post analysing project completion status & upcoming dues
Performed technical Site Visits for monitoring project construction status
Preparing Interest Calculations and intimating it to developers, further transferring funds from project accounts for collection of interest, repayments & penal charges
Providing instructions to issue NOC for sale of flats post analysis of unit based on pricing & monitoring the escrow for sale receipts of said unit.
Assistant Manager - Credit Monitoring, L&T Financial Services, Construction Funding Real Estate
L&T FINANCE LTD.
11.2016 - 12.2017
Monitored 14 projects being developed by 9 developers of Delhi NCR region with a book value of 3500 Crores
The developers included names like Supertech Limited & Raheja Builders
First person under Credit Monitoring to be at NCR region and single-handedly taking the monitoring process forward for the next 8 months
Checking project escrow accounts and comparing the same with available sales inflow data in order to monitor gaps in project collection
Coordinating internal teams for meeting CP & CS (Conditions Prior & Conditions Subsequent) prior to Loan disbursals
Managed disbursements of the sanctioned loan accounts, and post disbursement processes like NOC issuance, Prepared EWS report and presentation, these EWS presentations included security cover calculations, monthly project inflow & outflow, monitoring of sales, project accounts, sale rates for all projects of NCR region.
Education
Civil Engineering
KIIT University
BHUBANESWAR
04.2001 -
HSE 10+2 CHSE Odisha, Science - +2 SCIENCE
NAIDU +2 SCIENCE COLLEGE
BHUBANESWAR
04.2001 - 04.2010
SSC 10th CBSE - SCIENCE
HARYANA VIDYA MANDIR
KOLKATA
04.2001 - 04.2008
PGP-ACM (Post Graduation Program in Advanced Construction Management) - ADVANCED CONSTRUCTION MANAGEMENT
ICICI Home Finance Company, Internship, 92 days, Developed a Project monitoring framework & tested the same on a Commercial Building, Rustomjee Central Park, Andheri East, Mumbai. This framework was put in place by taking into account the understandings received from meeting project management teams, asset management teams, project developers and site engineers.
NHAI (National Highways Authority of India), Training, 45 days, Road project - NH203 from Bhubaneswar to Puri. Understanding work procedure, how contract is awarded, history of road construction in Odisha from experienced engineers, materials & machines used in construction and types of pavements and their construction. Project contractor - KazStroy Services (KSS).
Significant Accolades
APPLICATION OF SUPERHYDROPHOBICITY ON FLUID FLOW PIPE LINES TO REDUCE HEAD ON PUMPS. (Patent no. KOL-1568)
Second prize in paper presentation held in IIT-Bombay on the event of Aakar-2015; 1st prizes in NICMAR Goa and Goa Engineering College.
Paper presented in central zone of ANVESHAN-2013 on the topic of Superhydrophobicity in civil engineering held at TISS Mumbai.
Invitation from the university founder for presenting our project to the university funding panel for patent application.
Post Graduation Study
Arbitration in Construction
Requirement of Arbitration.
Process of Arbitration.
Role of Arbitrator & their Appointment.
Cost involved of Arbitration.
Extra Curricular Accolades
Selected by Piramal HR team for early testing & volunteering in the new learning module system (LMS) - Reckon, French based software put in place in Jan-19.
Completed PLS-1 (Piramal Leadership Series - 1) Certification at Piramal Capital & Housing Finance Ltd.
IT co-ordinator at inkarno-2k15 (techno-cultural and managerial fest) at NICMAR goa, contributed in creation of website and inaugural video.
Member at KIIT automobile & research societies.
Played school level football and District level basketball & selected for international Basketball meet at Singapore in under 15 age group.
Prefect at School.
Software
MS EXCEL
AUTOCAD
STAD-PRO
Timeline
Manager - Home Loans, Sales; Retail Assets
HDFC BANK LTD.
03.2022
Manager - Home Loans, Sales; Retail Assets
HDFC BANK LTD.
02.2021 - 02.2022
Deputy Manager - Asset Management, Real Estate
PIRAMAL CAPITAL & HOUSING FINANCE LTD.
12.2017 - 02.2021
Assistant Manager - Credit Monitoring, L&T Financial Services, Construction Funding Real Estate
L&T FINANCE LTD.
11.2016 - 12.2017
Civil Engineering
KIIT University
04.2001 -
HSE 10+2 CHSE Odisha, Science - +2 SCIENCE
NAIDU +2 SCIENCE COLLEGE
04.2001 - 04.2010
SSC 10th CBSE - SCIENCE
HARYANA VIDYA MANDIR
04.2001 - 04.2008
PGP-ACM (Post Graduation Program in Advanced Construction Management) - ADVANCED CONSTRUCTION MANAGEMENT