Business Development ~ Strategic Management ~ Product Development :
9+ years of experience; strong credentials in repeatedly producing sustained revenue and turnaround growth in dynamic marketsJob Objective :
Seeking mutual growth excellent opportunities to reach managerial position and scope for learning decision – making, trouble shooting and implementation of sales policy & strategic plans, client servicing, and people management. Seek to contribute in challenging work environment demanding commercial knowledge, customer focus and people orientation.Executive Summary :
Strong acumen in creating ethical sales model and using vast knowledge of both the market and the capabilities of the product; diverse exposure to various industry verticals – Entertainment, etc.
Core competencies in driving innovative Sales & Marketing Initiatives to capture and retain a reasonable market share in a fiercely competitive market scenario; expertise in creating integrated marketing strategies in developing new/existing customer sales, brand/product evolution, etc.
Customer focused, highly successful in building relationships with key decision makers major experience across all facets of Business Development, Strategic Management & Leadership, and Project Management.
Skilled at establishing strategic partnerships to increase revenue; outstanding success in building and maintaining relationships with key corporate decisionmakers establishing large volume, high profit accounts with excellent levels of retention and loyalty.
Decisive leader with sound business practices to achieve turn around growth and position organization for longterm profitability.Key Strength Areas :
Branch Management & Training , Branch staff handling , Product & Brand Development , Market & Competitor Analysis , Strategic Planning & Budgeting , Channel Management , Organic Business Growth , Cross,functional Liaison , Versatile Leadership , Branch AccountingProfessional Experience and Accomplishments :
SHARE MICROFIN LIMITED (MNC), July 2003 – Still date
Worked as Field credit officer from July2003 to March 2005.
Worked as Assistant Branch Manager(Micro Enterprise Loans) Individual Lending from Apr2005 to March 2006.
Worked as a Branch Manager from April2006 to Feb2009.
Working as Internal Auditor from March2009 to Still.Internal Auditor – Visakhapatnam :
Verification of all the office transactions (Trial balance, assets, balance sheet, income and expenditure, etc).
Key element for Risk & Issue Management.
Monitoring the staff performance both in office and field.
Implementing Cost Control Techniques.
Analyzing both internal and external environment which affects business and report it to Head Office.
Auditing 12 branches, 60 subordinates, 36,000 customers’ base and portfolio of Rs 36 Crores.
Conduct Interviews and training classes in my area.
Verified branches audit profiles (every half yearly and yearly).
Every Month End Send to Head office of My Visited area Branches Branch Performance (Repayment Rate, Barrowers Ratio, Loan out Standing Increase, Portfolio at Risk).
Prepared Branch Wise Narrative Reports send to Head Office for (H.O Purpose & External Auditors Purpose).
Conducted the Barrowers Personal Review about Institution Policies.
Action to be taken in immediately Reports branch wise (Staff Transfers, Misbehavior and Outside Activities)Branch Manager – Rajahmundry :
Leading a team of 6 staff members with a challenging target.
Having personal discussion with the customer to understand the profile to the business as well as customer.
Analyzing the credibility of the customer and taking care of sanction and disbursement of the loans according to the Company norms.
I Verified of Customer Business Incomes and House hold Incomes Appraisal at the time of before the loan disbursement. Sponsored links :
(Appraisal format as a World Women Banking).
Given loans to New Customer’s to taken Collateral Document Security of his loan size (Land Pass Books, Registered Documents and Post Dated Cheques.) at the time of Branch Manager.
Holding personal discussion (PD) with the customers.
Fraud control activities.
Analyzing the financial statements of the Loan Proposals.
Managing fund flows and receivables.
Daily field investigation sending weekly and Monthly reports to the Head Office.
And also looking after the recovery party and controlling the risk,
Observing staff behavior, commitment, responsibilities taking and respect to customers and others.
Everyday verifying closing balance physically and also Bank transactions.
Followed Organization Circulars & Policies and implemented in the branch.
Branch Narrative Report send to Head Office.
Conducted the Credit Committee for approval Agriculture and Business Development loans.
KYC forms physical verification before approval and feedback from neibour.
Conducted Loan Utilization check.
Conducted training classes, staff meetings and motivated to staff for branch targets & achievements.
Best performance as Branch Manager from every financial year.Asst. Branch Manager – Cheepurupalli :
Prepared daily transaction (like Vouchers, Cashbook, Ledger posting, Journal vouchers, Journal register, TA’s and all payments etc.,).
Every day after completed branch transaction, I do day end and synchronization.
Preparing every week end and Month end reports without remarks.Field Credit Officer – Nidadavolu & Rajam :
Every day collected recoveries in the office and joined new customers at field.
Taken appraisals from customers at field.
Prepared office work neatly in daily basis.
Good communication, relationship and motivate to customers.Academic and Professional Credentials :
Bachelor in Arts from D.B.K.Arts & Science Degree College at Parvathipuram.
Intermediate from Government Junior College at Parvathipuram.
S.S.C. at R.C.M.St, Jhon’s Boys High School at Parvathipuram.Technical :
D.C.A and (Financial Accounting).
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