Excellent communication abilities. Leadership qualities. Dedicated to the team and ambitious. Enthusiastic and upbeat. Persistent Punctual patience. Thinking beyond the box and being imaginative.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Divisional Manager ( Area Manager )
Bharath Financial Inclusion Ltd.
- Current
Company Overview: 100% Subsidiary of IndusInd Bank
Business Development: Identify and acquire potential microfinance partners to drive business growth in targeted regions.
Market Research: Conduct in-depth research to identify promising business locations and assess market potential.
Partner Acquisition: Represent BFIL & INDUSIND BANK to onboard microfinance institutions as strategic partners.
Team Management: Build and lead a high-performing team to achieve sales targets and expand market reach.
Operational Excellence: Establish efficient support functions for appraisal, documentation, disbursement, repayment, and delinquency management.
Business Strategy: Develop and implement sales strategies to improve market share and identify new growth opportunities.
Risk Management: Formulate effective collection strategies and preventive measures to maintain a healthy portfolio.
Compliance and Operations: Ensure adherence to company policies, regulations, and best practices in all areas of operation.
Staff Development: Provide ongoing training and support to enhance team skills and knowledge.
Resource Optimization: Manage resources efficiently to minimize operational costs.
Customer Service: Deliver exceptional customer service to maintain client satisfaction and loyalty.
100% Subsidiary of IndusInd Bank
Management Trainee Segment (MTS)
NABFINS. LTD
10.2023 - 11.2023
An Assessment of Household Income and Indebtedness of Low-income households for Microfinance Loans according to the new RBI regulation, NABFINS Existing Customer Satisfaction Survey.
A brief overview of how a microfinance institution operates. I learned about the various kinds of difficulties facing the microfinance industry. I gained knowledge of the daily operations of the branch and business. Monthly collections, overdue collections, and JLG group formation have all involved us.
To Study and analyze the existing model of Dhosa Chandaneswar Bratyajana Samiti (DCBS Microfinance).
To understand about the Product Diversification and observe implementation of the same.
To Develop and refine the model.
To recommend measures to mitigate the risk of the specified branch allotted.
To Identify measures to improve customer satisfaction.
Highly experienced in the functioning of microfinance institutions and proficient in addressing the challenges prevalent in the sector. Developed a comprehensive understanding of branch operations and typical corporate processes. Played a key role in forming Joint Liability Groups (JLGs) and successfully managing overdue collections and biweekly collections. Leveraged client interactions to gain valuable insights into their unique financing needs and criteria. Proven ability to contribute to the growth and success of microfinance institutions while ensuring compliance with industry regulations.
Action Research Segment (ARS)
Tata Steel Foundation
Jamadoba
12.2022 - 01.2023
Engaged in a comprehensive project focused on understanding the challenges faced by villagers and their livelihood patterns through various tools including Participatory Rural Appraisal (PRA), focus group discussions, personal interviews, and household surveys.
Conducted mobilization activities, social and resource mapping, annual crop calendar analysis, Venn diagram creation, mobility mapping, micro-planning, and data analysis to study the social, cultural, and economic status of the village and identify coping strategies during adverse conditions.
Prepared a drafted report addressing agricultural issues and integrated farming practices.
Facilitated the establishment of Self-Help Group (SHG) members in producing and marketing seal leaf plates as an alternative source of income.
Conducted a baseline survey for the 'Lakhpati Kisan' project, aimed at improving the economic conditions of farmers.
Rural Agricultural Work Experience (RAWE)
Integral Livelihood and Society Entrepreneurship Foundation
Dehradun
06.2022 - 07.2022
Analysis of a village, Effective use of extension tool.
Field Training
Indian Institution of Soil and Water Conservation
Selaqui
12.2021 - 12.2021
The training program provided theoretical and practical knowledge on horticulture nurseries, fruit plant propagation, and nursery management. It covered compost creation, vermicomposting, fish culture, water quality, and wetland management. The Compost Unit covered composting techniques and soil and water sample analysis.
Social Media Marketing
Shrestha Bharat Foundation
Jalpaiguri
06.2021 - 07.2021
SBF supports grassroots NGOs in education, health, and community development, aiming to end hunger and poverty by providing food, clothing, and books to underprivileged children.
Internship Trainee
Hiranmoypur Agrohorticulture Society For Technology & Rural Development
Sundarban
03.2021 - 05.2021
Collaborate on disaster risk reduction, disaster-related projects, livelihood enhancement, salt-resistant seeds, natural resource management, biodiversity conservation, and indigenous knowledge.
Education
MBA – Rural Management -
KIIT School of Rural Management
01.2024
Graduation - Agriculture
Doon (P.G) College of Agriculture Science & Technology
Challenges of Agribusiness Management authorized by Universita Commeciale Luigi Bocconi. (Authorized by Coursera)
Data Manipulation and Business Analysis using Spreadsheets authorized by Coursera Project Network & offered through Coursera.
Microsoft Word, Excel, Power Point (An Initiative of Department of Youth Services Govt of W.B)
Tally ERP.9 & GST (Excel info.com. Pvt ltd)
Activities
Active Member of KSRM placement Committee. (2022-2024)
Active Member of Mess Committee. (2022-2024)
Active Member of CSS Committee.
Participated in academic activities, cultural events, and portrait painting.
Enjoyed playing cricket, led excursions, and worked in social welfare programs.
Enjoyed rural agricultural work experience in college.
Mba Internships Academic Projects
An Assessment of Household Income and Indebtedness of Low-income households for Microfinance Loans according to the new RBI regulation, NABFINS. LTD, 10/03/23, 11/29/23, A brief overview of how a microfinance institution operates. I learned about the various kinds of difficulties facing the microfinance industry. I gained knowledge of the daily operations of the branch and business. Monthly collections, overdue collections, and JLG group formation have all involved us. I had the chance to speak with the microfinance clients and discover more about their requirements and credit requirements.
Enhancing Microfinance Operations: Product Diversification, Field Quality Control Scorecard for risk control and Customer Satisfaction., Dhosa Chandaneswar Bratyajana Samiti (DCBS Microfinance), 04/24/23, 06/08/23, Highly experienced in the functioning of microfinance institutions and proficient in addressing the challenges prevalent in the sector. Developed a comprehensive understanding of branch operations and typical corporate processes. Played a key role in forming Joint Liability Groups (JLGs) and successfully managing overdue collections and biweekly collections. Leveraged client interactions to gain valuable insights into their unique financing needs and criteria.
Tundi livelihood project at Jamadoba, Tata Steel Foundation, Jamadoba, Jharkhand, 12/05/22, 01/05/23, Engaged in a comprehensive project focused on understanding the challenges faced by villagers and their livelihood patterns through various tools including Participatory Rural Appraisal (PRA), focus group discussions, personal interviews, and household surveys. Conducted mobilization activities, social and resource mapping, annual crop calendar analysis, Venn diagram creation, mobility mapping, micro-planning, and data analysis to study the social, cultural, and economic status of the village and identify coping strategies during adverse conditions. Prepared a drafted report addressing agricultural issues and integrated farming practices. Facilitated the establishment of Self-Help Group (SHG) members in producing and marketing seal leaf plates as an alternative source of income. Conducted a baseline survey for the 'Lakhpati Kisan' project, aimed at improving the economic conditions of farmers.
Graduation Projects Internship
Rural Agricultural Work Experience (RAWE), Integral Livelihood and Society Entrepreneurship Foundation, Prem Nagar, Dehradun, Uttarakhand, 06/05/22, 07/18/22, Analysis of a village, Effective use of extension tool.
Internship Trainee, Hiranmoypur Agrohorticulture Society For Technology & Rural Development, Sundarban, South 24 Pargana, W.B., 03/01/21, 05/31/21, Collaborate on disaster risk reduction, disaster-related projects, livelihood enhancement, salt-resistant seeds, natural resource management, biodiversity conservation, and indigenous knowledge.
Field Training, Indian Institution of Soil and Water Conservation, Research Farm, Selaqui, Dehradun, Uttarakhand, 12/13/21, 12/24/21, The training program provided theoretical and practical knowledge on horticulture nurseries, fruit plant propagation, and nursery management. It covered compost creation, vermicomposting, fish culture, water quality, and wetland management. The Compost Unit covered composting techniques and soil and water sample analysis.
Social Media Marketing, Shrestha Bharat Foundation, Panda Para Kalibari, Jalpaiguri, W.B., 06/27/21, 07/27/21, SBF supports grassroots NGOs in education, health, and community development, aiming to end hunger and poverty by providing food, clothing, and books to underprivileged children.