ALOK KUMAR MISHRA

Mobile:+91-9234403178/8697571819 / 0657-6450403

Email:almishi2003@gmail.com

JOB OBJECTIVE: Senior level positions in leading banks and financial organizations in Credit Appraisal

Risk Management, Business Development, Operations and People Management.

PROFESSIONAL SYNOPSIS

.Over 12+ Years of experience in, Credit Appraisal, Risk Management, Sales &

Marketing ,Operations and Collections in BFSI.

Demonstrated abilities in building key relationships and accelerating the business growth

Excellent communication and interpersonal skills with proven team building and organizational

abilities.

Core Competencies include

- Finance & Accounts

- Business Development.

- Credit Appraisal and Risk Analysis

- Recovery / Collections

- Operations

- Channel Management

- Customer Relationship Management.

ORGANISATIONAL EXPERIENCE

# Qualified in written exam of IBPS-RRB(CWE-II) for scale -III Manager position.

PREVIOUS EXPERIENCE

Tenure Company Name Designation

Sept’2015- Till date Janalakshmi Fin. Ser. Ltd. Credit Manager

Nov’2013 – July'2015. HDB Fin. Services Ltd.(100% sub. Of HDFC) Br. Credit

Manager

March’2012- May’2013. Axis Bank Ltd. Manager(Agri. &

PSL )

July’2011- Feb’2012 Religare Finvest Ltd. Sr. Manager & Area Sales

Manager – SME & LAP

March’2007- July’2011 Axis Bank Ltd. Manager (Credit,Business

development,Operations,Collections )

April’2003- March’2007 LIC Housing Fin. Ltd. Assistant Manager(Sales, Credit,

Accounts,&

-collections)

Janalakshmi Fin. Ser. Ltd.

Joined in Sept’2015 as Credit Manager (Durgapur , Asansol) and looking after LAP ,

MSME , Business Loan and Unsecured Loans.

HDB Fin. Services Ltd. -

HDB Fin. Services Ltd.(100% sub. Of HDFC) - Joined in Nov’2013 as BCM,

Jamshedpur Transferred to Kolkata in Jan’2015 and looked after LAP ,LAG

Business Loan and Unsecured Loans.

Risk Analyzing from provided credit info. to determine the degree of risk involved in extending credit or lending money.

Personal Discussion (PD) & deal appraisal by conducting site visits of clientele to establish Credit worthiness and intension of party and structure the right product to the customer.

Taking prudent lending decisions based on sound judgment & rejecting non recommended cases (CIBIL+PD reject).

Preparing Credit Appraisal Memo (CAM), analysis CIBIL Reports & Audited Financial statements and calculate loan eligibility of customers.

Credit appraising of loan applications within defined policy guidelines and accordingly recommending them for approval to higher authorities with merits, demerits & risk involvement points.

Credit underwriting the sanctioned proposals as per credit policy. Communicating with operations & sales dept continuously to resolve

disbursal and credit related issues. Portfolio developing by managing credit quality, controlling frauds and

maintaining branch delinquencies below 1% Analyze delinquent accounts, taking care of overdue & non-starter cases

and prepare report on highest risk accounts Coordinating with empanelled verification agencies (Legal, Technical /

Valuation, CPV & FCU agency) and monitoring of PDD (Post Disbursal Documents) for smooth processing the files / dockets

Portfolio tracking of sanctioned & disbursed cases of Mortgage Loan / LAP / Personal & Business Loans.

Managing the entire credit application process within TAT, right from login to disbursement in FINONE software.

. Cooperation in internal & external audits and ascertaining high audit scores by reducing error ratesAXIS BANK LTD.

Business Development

Analyze business potential, conceptualize & execute strategies to drive sales, augment turnover and achieve desired targets.

Identify, qualify, and pursue business opportunities as per targeted plans as well as through lead generation.

Identify new market segments and tap profitable business opportunities. Building strategic relationship with clients and ensuring long term relationship. Enhancing sales productivity of front – line by regular tracking process. Focus on HNI customer segments.

Manage Customer service operations & ensuring customer satisfaction by achieving

delivery & service quality norms. Ensure continuous interaction with the customer to make sure that area of concern can be

worked upon for improved service levels. Build & maintain healthy relationship with major clientele, ensuring maximum customer

satisfaction by achieving delivery and quality norm. Operations

Credit review of loan application of new customers. Management of FI , RCU, Valuer ,Vendors and Empanelled advocate. Adhering to product policy and their norms. Audit compliance. Empanelment of DST , DSA, VALUERS,ADVOCATES, FI Agency, RCU agency . Preformed as Operations Head cum 2nd in command. Cross Sell Head Coordinating all 5 branches of AXIS Bank at Jamshedpur by appointing ADO , and

Branch lead generations of Asset products. Ensuring Cross selling of different Bank Products like CASA , SME products, &

Bancassurance . Notable Achivements

Significantly contributed in streamlining the sales process. Secured continuously highest audit rating in 2 consecutive years. (In 2010 secured highest audit

rating ever in pan India) 2nd Position in TIER cities in Home Loans Business and awarded with Bangkok trip (FY 2010-

2011) . More then 100% target achievement in PL , Cross sell and Mortgages. Took charge of completing and dispatching 1000 disbursed files to central storage in record time

(3 months) Converted almost 80% old cases repayment from PDC/ CASH mode to ECS/ AUTO DEBIT . Coordinated with Advocate for SARFAESI, LOK ADALAT, MONEY SUIT and Specialized

collections of Branch in liquidating NPA Cases. Managing almost 35 persons of different departments successfully with zero attrition.

RELIGARE FINVEST LTD.

July’2011- Feb.’2012 with Religare Finvest Ltd. As Sr. Manager & Area Sales Manager, Bhubaneswar —SME & Mortgage Loans.Key Tasks Handled

Business Development Analyze business potential, conceptualize & execute strategies to drive sales, augment

turnover and achieve desired targets. Identify, qualify, and pursue business opportunities as per targeted plans as well as

through lead generation. Identify new market segments and tap profitable business opportunities. Building strategic relationship with clients and ensuring long term relationship. Enhancing sales productivity of front – line by regular tracking process. Focus on HNI customer segments.

Client Relationship Management

Manage Customer service operations & ensuring customer satisfaction by achieving delivery & service quality norms.

Ensure continuous interaction with the customer to make sure that area of concern can be worked upon for improved service levels.

Build & maintain healthy relationship with major clientele, ensuring maximum customer satisfaction by achieving delivery and quality norm.

LIC HOUSINGFINANCE LTD.

Key Tasks Handled Manage the Branch as well as the sales channel for Business Development. Recruiting and training the team for Business development, motivating the team. Credit rating and appraisal of New and Existing customers. Monitoring of FI and RCU Reports. Pre Sanction appraisal. Delinquency Monitoring and taking corrective action for NPA’S and Non- Starters. Marinating a Healthy portfolio. Retaining and Growing the Business. Appointment and Management of DSA, DST and Channel partners. Funds Management and Regional account Maintenance.

Notable Achivements

Performed as Nodal Officer (Collections) for 3 area offices and 2 Extn. Counters and managed to maintain 0.20% NPA , and been rewarded for .

Joined Malda Camp office as In – Charge with an active portfolio of 11 cr. And converted it into 30 cr. In just 15 months, and been awarded with fast track promotion. After promotion joined Vaishali Nagar Area Office (Jaipur) and did business of 115 cr. In FY 2006-2007.

ACADEMIC QUALIFICATIONS

Master In Commerce(Finance) with 62% in 2002 From RANCHI UNIVERSITY. Bachelor’s in Commerce (Accountancy Hons.)with 57% in 1997 From Ranchi University. Diploma in Computer Applications in 1998 with 80%. Pursuing MBA(Fin.) and JAIIB/CAIIB.

Notable Achivements

Won Many Prizes in Elocution, Debate and Essay writing competitions held at school , college ,district and state level.

Secured NCC “A” Certificate.