Thakur Nagendra Kumar

Dedicated and results-oriented banking professional with 33 years of progressive experience in rural and semi-urban branch operations, credit administration, and customer relationship management.

Retired as Branch Head after consistently driving business growth, improving recovery rates, and leading impactful financial inclusion initiatives.

Skilled in agricultural and MSME lending, regulatory compliance, and community banking programs, with a proven track record of doubling branch portfolios, empowering self-help groups, and delivering banking services to unbanked populations.

Adept at leveraging core banking software, digital payment platforms, and team leadership to achieve operational excellence and social impact.

Key Contributions & Responsibilities:

• Branch Leadership: Led a diverse team in achieving annual targets for deposits, advances, and recovery, consistently surpassing performance benchmarks.
• Credit Management: Evaluated, sanctioned, and monitored loans for agriculture, MSMEs, self-help groups, and retail customers, balancing profitability with prudent risk management.
• Customer Relationship Management: Built long-standing relationships with customers, ensuring personalized service, trust, and loyalty over decades.
• Financial Inclusion Initiatives: Actively participated in government-led schemes for rural development, women empowerment, and farmer support, expanding banking access to unbanked populations.
• Operations & Compliance: Oversaw cash management, account reconciliation, and regulatory compliance in line with RBI guidelines, ensuring zero major audit objections.
• Staff Mentorship & Training: Guided junior staff in banking procedures, customer handling, and cross-selling of products, contributing to the professional growth of team members.
• Community Engagement: Represented the branch at local community programs, educating residents on banking benefits and digital payment systems.

• Agri-Credit Expansion Drive – Structured tailored crop loan products and seasonal repayment schedules, increasing agricultural lending by 45% in two years.
• Micro-Enterprise Funding Program – Created a simplified approval process for small rural entrepreneurs, cutting loan disbursal time by 50%.
• Financial Literacy Camps – Conducted quarterly village-level awareness programs on savings habits, insurance, and digital payments.
• Green Banking Initiative – Promoted solar pump financing and organic farming loans, aligning with sustainable rural development goals.