Finance Management Recovery Officer

To impart creativity and strive for the best in my field and work hard to achieve the

organizational goal.

SUMMARY

Location Credit Verification manager at ICICI Bank and Rural Marketing Recovery officer at SBI – Agri SME Working capital – Cash Credit, Bank Guarantee, Letter of Credit, Term Loan, Commodity Finance (Pledge).

MBA – Rural Banking and Finance Management from TNAU Coimbatore, Tamilnadu.

Capable of handling business banking sales and operations related to determining financial objectives, implementing systems, policies & procedures for streamlining the operations.

Fair understanding of managing customer centric operations.

Adaptable and a quick learner; possess skills to work under pressure.

Been proactive and focused as a professional.

Possess good management, communication & interpersonal skills. ACADAMIC CREDENTIALS

2019 Master of Business Management - Rural Banking and Finance Management from TNAU Coimbatore, Tamilnadu. Secured 7.90/10 (O.G.P.A)

2006 Bachelor of Science in Horticulture from TNAU, HC & RI, Periyakulam. Secured 8.08/10

(O.G.P.A)

2002 H.S.E from T.U.N.S.V.H.S, Tiruchuli (State Board). Secured 77.83%

2000 S.S.L.C from T.U.N.S.V.H.S, Tiruchuli (State Board). Secured 72.80% WORK EXPERIENCE

Organization: State Bank of India

Location: Madurai

Designation: Rural Marketing and Recovery Officer – Agri – SME Working Capital. Duration: December'2007 to December'2008.

Manage a team of ARMs and MRMs to acquire and manage NTB customers in Agri-SME segment offering banking solutions/products (Asset based- F/NF) transaction banking, trade finance, treasury – Fx)

To understand client business models, trade related activities, cash flows etc and identify opportunities and anticipate possible problems. To be alert on competitive elements in the target segment.

Build rapport with key decision makers (promoters, CFO etc) of prospect customers.

Closely working with credit team/ sanctioning authority for managing client expectation and effective risk management.

Improve efficiency by monitoring & overseeing continuous improvement of processes.

Collaborate with external channels like DSAs and captive channels like branch banking, wealth, privy etc for lead origination.

Collaborate with trade finance, CMS, operations, treasury, legal and branch banking team for seamless customer service.

Monitoring of timely closure of deferrals and ensuring smooth handover of cases to portfolio MRM within stipulated timeline.

Organization: ICICI Bank

Location: Madurai Cluster

Designation: Credit Verification Manager – Agri Term loan and Working Capital. Duration: January'2009 to May 2016

Sourcing, recommendation and sanction ofAgri loans such as 1.Working capital – KCC and Warehouse receipt 2. Term Loans Tractor Loans, Horticulture Orchard Loan

Dairy loans tie-up with Aavin, Hatsun, ABT, Poultry Loans tie-up with Suguna poultry farm and Sakthi Hatcheries,

SHG & PLF Direct Linkages and Economics Activities loan,

Agricultural car Loans and Government sponsored Schemes for Rural Development, Housing Loans, Mortgage Loans, MSME Loans.

To conduct the presanction inspection and prepare appraisal for the sanction of loan and disbursement made after the loan sanctioned.

The post sanction inspection conducted and follows up of NPA (Non Performing Assets) Advances – To issue Demand notices, conduct recovery camp and to issue SARFEASI notices for housing loans. Seizure notice issue to Car loan,

Tractor loans and suit filling and follow up.

development and Land development ensuring stability of income from existing clientele list and exploring avenues for new income generation.

Identifying and sourcing new business opportunities in Corporate Agri – Agro Food Processing and PSL segment.

Credit analysis of prospective clients for assessing future business viability and risk profile.

Derive competitive advantage by building and maintaining deep and enduring relationships with the corporate clients.

Managing the portfolio of existing clients and acquiring new relationship of prospect customers of Madura region.

Organization: People welfare co operative Nidhi Ltd. Location: Madurai and Virudhunagar

Designation: Area Manager and Area Head

Duration: Nov'16 to February’2021

Responsibilities handled:

Working capital – Inventory Funding, Cash Credit. Term Loan penetration in Dealer and allied segment.

Handling dealer and manufacturer relationship.

Managing assigned customer relationship & new customer acquisition.

Acquiring fresh relationship for Channel Finance / Cash Credit / Term Loan and other related products.

Handling of assigned database and nurturing the existing relationships by providing service and timely renewals.

Maintaining good repo with the clients & team members.

Area of operation includes Team Management and review of Marketing executive, give motivation for achievement of Targets.

Organization: CHALLENGE FINSRVE (Corporate Vendor of HDFC Bank Ltd) Location: Madurai, Virudhunagr, Theni and Tirunelveli Designation: Sales Manager

Duration: August'2021 – till date

Responsibilities handled:

Team Management, Personal Loan Business loan Lead Generation from government employees, Doctors, Business peoples and review of Sales Officers and give motivation for achievement of Targets.

Managing assigned customer relationship & new customer acquisition.

Handling of assigned database and nurturing the existing relationships by providing service and timely renewals.

Maintaining network with the branches and identifying sourcing points in the industry.

Maintaining good repo with the clients & team members. Awards and Accolades

Awarded RM of the Year PAN Tamilnadu for the year of 2022 -23 of May 2023 – Best performer

– Challenge finserve.

Awarded appreciation certificate from Regional Manager in ICICI BANK for Agri term loan outstanding performance FY 2012-13 and FY 2014-15. IT FORTE

Operating system: Windows (XP, Windows & VISTA)

Software: MS Office and Tally.

Working Knowledge of Internet

CAREER OBJECTIVE

A passionate professional with over 14 yrs experience in Banking Sector, with over 14 years of experience in setting up Retail banking Branch and Lending businesses across various products ranging from Retail Banking, Retail Assets - Personal Loan, Business Loan, LAP, Home Loan, Business Banking (Overdraft & CC), LAS, Digital Lending, Investment product and Cross Sell. A strong believer and practitioner of the Democratic and Transformational style of Leadership. People are at the core of what we do. I work with the philosophy that a highly motivated, inclusive, and inspired team will contribute tremendously towards satisfied clients, delighted customers and towards the success of any organization.

A long track of successful completion of challenging assignments with turnaround objectives. multi-functional experience – Product, Sales, Credit, Operations & Collection Management with a Pan India exposure on managing Key Accounts Relationships with Strategic Customer and Channel Partners. Successfully handled challenging assignments with turnaround objectives. Conceptualize and orchestrate marketing campaigns that effectively reinforce and build brand images. My interest in Fintech/Digital Banking/Digital Lending/Retail Banking/NBFC/Micro Finance/Private Equity/ Venture Capital/ Investment Banking /Corporate Finance SNAPSHOT

Specialization in Finance, Agri Loan, Rural Banking, Business loan, ME Loan, Kisan Credit Card and Other Banking Products.

Quick learner, Positive attitude, and willingness to learn new concepts and acceptance.

Strong drive to learn & hardworking, capability of working under crunch situations. PERSONAL DETAILS

SHRI.BRABHU.R,B.Sc (Horti)., MBA (RB & FM).,

No: 92/2-7, PANDIYAN NAGAR

5TH STREET, KARIAPATTI,

VIRUDHUNAGAR DT,

TAMILNADU – 626106.

Email :

ad5rj4@r.postjobfree.com

Mobile: 944-***-****

Marital Status: Married

Date of Birth: 05-May-1985

Language Proficiency: Tamil, English.

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