Shekhar Sutar
Ichalkaranji
Summary
Bringing a strong banking background and expertise in Sales, Credit, Operations and Risk, I offer robust analytical skills, personal integrity, and a strong work ethic. I am seeking mid to senior management positions in finance to drive organizational growth and leverage my leadership abilities. Proficient in communication, proactive problem-solving, team coordination, and a customer-centric approach, I excel in dynamic settings and exhibit strong critical thinking. Eager to advance my career in management and deliver impactful results, I am committed to contributing significantly to the organization's success.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Area Credit Manager
Axis Bank Ltd.
09.2022 - Current
- Managed operations across multiple locations in Kolhapur, Sangli, Satara, Ratnagiri, Sindudurg, Solapur, Chiplun, and Goa, ensuring seamless coordination and efficiency
- Led a team of 3 Credit Managers and 2 CPAs, providing strategic guidance and support to drive effective performance and productivity
- Conducted comprehensive training sessions for over 50 sales team members, covering topics such as Policy, Product, Legal, Technical, Process flow from login to disbursement, Weekly/Monthly Con-calls, and Business Planning, resulting in enhanced team knowledge and performance
- Oversaw loan ticket sizes ranging from INR 10.01 lakhs to INR 500 lakhs, ensuring compliance and risk management
- Managed a diverse product portfolio including Mortgage, Secured Term Loan for 15 yrs
- Tenure, Cash Credit, and Overdraft, catering to varied customer needs and preferences
- Authorized delegation powers for Liquid Assets (INR 100 Lakhs) and Non-Liquid Assets (INR 50 Lakhs), streamlining operational processes and approvals
- Conducted portfolio analysis and client visits, resulting in actionable insights to drive business growth and achieve high client satisfaction
- Actively participated in Product Development, Design, and Launch of Nano Business and Small Business Banking products in Bharat Banking, contributing significantly to business expansion and market presence
- Successfully managed team recruitment, training, and performance appraisals, ensuring a high-performing and motivated team
Regional Credit Manager
Sarvagram Fincare Pvt. Ltd.
05.2021 - 08.2022
- Managed a team spanning Kolhapur, Sangli, and Satara, encompassing 8 branches, with a total team size of 25+ individuals
- Provided direct training and guidance to over 100 sales team members, covering various aspects such as Policy, Product, Legal, Technical, Process flow, and disbursement
- Oversaw loan tickets ranging from 1 lakh to 25 lakhs, focusing on PD based Micro loans
- Handled a diverse product portfolio including HL, PL, BL, FM, CD, and Gold Loan
- Executed credit underwriting for all retail products, contributing to policy and procedure formulation and successful implementation
- Successfully launched and rolled out new pilot branches for MSME and other loans in Sarvagram
- Enhanced credit processes resulting in improved credit quality and reduced turnaround time
- Conducted portfolio analysis and regular client visits, catering to rural finance requirements
- Demonstrated adept team management and imparted impactful training
- Spearheaded recruitment processes and conducted team performance appraisals
- Managed internal audits pertaining to credit quality and compliance
- Approved deviations at the risk head level, ensuring balanced risk management
Credit Manager
Yes Bank Ltd.
04.2017 - 04.2021
- Led credit appraisal and underwriting of Term Loan and Mortgage Loans
- Managed a team of 3 Associate Credit Officers across Kolhapur, Sangli, and other regions while also overseeing Nashik, and Pune hubs for the initial 3 years; provided training and guidance to 25+ sales team members in areas such as Policy, Product, Legal, Technical, and Process flow from login to disbursement
- Empowered with a financial sanctioning limit of Rs
- 15 lakhs
- Specialized in Micro Loans ranging from 1 lakh to 25 lakhs PD based loans and quasi collateral loans
- Handled a ticket size ranging from 10.01 lakh to 100 lakhs, with an average ticket size of 15 lakhs
- Oversaw vendor management and payout FPR for MH
- Managed internal audits on credit quality and compliance
- Spearheaded recruitment and conducted team performance appraisals
Assistant Product Manager
RBL Bank
05.2014 - 03.2017
- Launched and rolled out new pilot branches for MSME in RBL bank
- Developed and designed new products for the SBB vertical
- Successfully launched new products in the market
- Specialized in offering Affordable HL, BL, and Mortgage Loans
- Managed a ticket size ranging from 1 lakh to 25 lakhs
- Led and managed a team of 6 Relationship Officers
Assistant Manager
IIFL Home Loans
06.2012 - 02.2014
- Prospected and acquired High Liquidity and Mortgage Loans
- Managed a ticket size ranging from 10 lakhs to 500 lakhs
- Executed sales and implemented operational management strategies
- Developed business plans to drive growth and profitability
- Implemented credit risk management measures to minimize potential losses
- Cultivated strong customer relationships to enhance retention and satisfaction
Sales Executive
GE Money
08.2007 - 06.2010
- Prospected and acquired STPL Loans, Micro PL, and BL loans
- Managed a ticket size ranging from 10K to 1 lakh
Education
MBA - Finance
SANJAY GHODAWAT University
Kolhapur, MH06-2012
B.Com - Commerce
Venktesh College of Ichalkaranji
Ichalkaranji, MH04-2006
Skills
- Underwriting expertise
- Risk Assessments
- Strategic Planning
- Regulatory Compliance
- Mentoring and training
- Credit analysis
- Research and due diligence
- Performance monitoring
- Risk Analysis
- Team Building Leadership
- Willing to Learn
- Goal Setting
- Decision-Making
- Proactive and Focused
- Prioritizing and Planning
- Problem-solving abilities
Affiliations
- Successfully run digitization project of vendor managements for Maharashtra in Yes Bank
- Achieved Best Performance award in ROMG in India Infoline Home Finance Ltd
- Achieved Best Area of Field Investigation and qualifying - 98.33% In RBL Bank
Certification
- Certificate Course In Computer Operation With Grade A Basic Computer Course
Timeline
Area Credit Manager
Axis Bank Ltd.
09.2022 - Current
Regional Credit Manager
Sarvagram Fincare Pvt. Ltd.
05.2021 - 08.2022
Credit Manager
Yes Bank Ltd.
04.2017 - 04.2021
Assistant Product Manager
RBL Bank
05.2014 - 03.2017
Assistant Manager
IIFL Home Loans
06.2012 - 02.2014
Sales Executive
GE Money
08.2007 - 06.2010
MBA - Finance
SANJAY GHODAWAT University
B.Com - Commerce
Venktesh College of Ichalkaranji
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