TAPAS RANJAN CHAMPATIRAY

15 years into Sales & Distribution, a senior management professional Holds the distinction of managing multiple tasks.

• A proactive planner with abilities in devising effective strategies for augmenting business, identifying and penetrating new market segments, promoting products for business excellence.
• Hands on experience in Sales and Marketing with abilities in managing sales, organizing promotional strategies, building relationships with clients and achieving desired goals.
• Head the credit portfolio of Odisha for all retail products of the Bank, managing customer base to administration and compliances. Product taking care of Rural Mortgage (HL & Lap).
• Monitoring credit appraisals on various parameters to establish credit-worthiness of clients for approval of all products mentioned-in of our Bank. like reference checks, Online verifications, save risk, etc.
• Responsible for State Retail Credit Underwriting & well Managed Portfolio - ensure the State Budget from all parameters, Done Regular review of branches for Pre-disbursed & disbursed files for betterment of Audit ratings, Cross check the reports for data accuracy.
• Regular product training to my Team for better sourcing of loan applications, along with every day hurdle meet with NSM.
• Analyzed collection delinquencies, Audit observations & resolutions, along with early compliance of PDD & Deferrals on Mortgage cases, AHL- End use verification on time.
• Regular visit done to Legal, Technical, and Valuer vendors for a better quality of reports & about the service support required. Cross checked Technical reports & Legal reports.
• Responsible for Sales team Recruitment, Training, ID creations, System process etc. Hand hold to the new SM's till he needed to take care my Branch.