SUPREET KUMAR VERMA

• Spearheaded the branch's focus on secured and unsecured loans, driving a [10]% growth in loan portfolios within the first few months.
• - Streamlined the loan application and approval processes, reducing turnaround times by 10]%, improving customer satisfaction, and increasing loan disbursements.
• - Developed and implemented targeted marketing strategies to promote both secured and unsecured loan products, successfully attracting new customers and increasing loan uptake.
• - Conducted thorough credit assessments and risk evaluations, ensuring a balanced portfolio while minimizing defaults and maintaining a low non-performing asset (NPA) ratio.
• - Trained and mentored branch staff on the nuances of secured and unsecured lending, enhancing their product knowledge and sales techniques to boost overall performance.
• - Collaborated with senior management to set and achieve branch targets for loan disbursements, consistently meeting or exceeding goals.
• - Engaged with customers to understand their financial needs, offering tailored loan solutions that aligned with their goals, resulting in improved customer loyalty.
• - Ensured strict adherence to regulatory guidelines and internal policies for both secured and unsecured loans, maintaining branch compliance and operational integrity.
• - Analyzed market trends and competitor offerings, adjusting branch strategies to stay competitive and capture a larger share of the local loan market.

Branch Credit Manager

1. Credit Assessment & Underwriting:

Evaluate loan applications, ensuring compliance with credit policies.

Conduct financial analysis, risk assessment, and due diligence for secured and unsecured loans.

2. Loan Processing & Approval:

Review loan documents, KYC, and financial statements for accuracy and authenticity.

Recommend loan approvals or rejections based on risk analysis.

3. Portfolio Management:

Monitor loan portfolios to identify potential delinquencies and mitigate risks.

Ensure proper asset quality and maintain a balanced credit portfolio.

4. Regulatory Compliance & Audit:

Adhere to RBI guidelines, company policies, and legal frameworks.

Prepare reports for internal and external audits, ensuring full compliance.

5. Customer & Business Relationship Management:

Work closely with sales teams, customers, and other stakeholders to optimize credit decisions.

Provide financial advisory and support to clients for smooth loan disbursements.

6. Fraud Prevention & Risk Mitigation:

Identify potential fraud risks and take necessary preventive measures.

Implement best practices to reduce NPAs and enhance credit quality.

7. Team Leadership & Training:

Train and mentor junior staff on credit policies and risk management.

Conduct periodic training sessions for branch teams to improve loan processing efficiency.

---

Key Achievements:

✔ Successfully reduced NPA levels by 10% through proactive risk management and collection strategies.

✔ Processed and approved loans worth ₹1 crores monthly, maintaining a strong asset portfolio.

✔ Improved loan approval turnaround time , enhancing customer satisfaction.

✔ Achieved a 5% increase in loan disbursements through strategic credit underwriting.

✔ Ensured 100% compliance with RBI and internal audit standards, with zero major audit observations.

✔ Played a key role in expanding the customer base by implementing risk-based lending strategies.

• Provided administrative support, including data entry, document management, and maintaining organized filing systems, ensuring efficient office operations.
• Assisted in processing invoices, purchase orders, and other financial documents, ensuring accuracy and timely submission.
• Coordinated communication between various departments, facilitating smooth information flow and enhancing inter-departmental collaboration.
• Managed inventory of office supplies, placed orders as needed, and ensured timely replenishment to avoid disruptions.
• Prepared and distributed internal reports, memos, and correspondence, ensuring clarity and timely dissemination of information.
• Supported HR functions by maintaining employee records, assisting with onboarding processes, and coordinating training sessions.
• Handled customer and vendor inquiries via phone and email, providing prompt and accurate responses.
• Assisted in the preparation of presentations and reports for management meetings, ensuring all materials were accurate and professionally presented.

• Helped customers with specific item requests by answering questions and offering knowledgeable product advice.
• Packed purchased items properly to prevent damage to delicate products.
• Smoothly processed incoming orders, handling over 50 transactions per day with exceptional accuracy.
• Handled high-volume credit and cash transactions using Point Of Sale (POS) systems efficiently.
• Assessed customer needs through clear communication, anticipating and responding appropriately to queries.
• Trained new team members in cash register operation, stock procedures and customer service.
• Maximized customer satisfaction by assisting with purchase selections, locating items and promoting rewards programs.
• Maintained clean, tidy and organized checkout areas.