CURRICULUM-VITAE

FARHAT IQBAL

“MORE THAN ** YEARS OF EXPERIENCE IN PSU BANK & NBFC SPREAD ACROSS THE RURAL & URBAN NETWORK” MOBILE: +91 – 982-***-**** & +91 – 822-***-****

E- MAIL: adzc3g@r.postjobfree.com

PROFESSIONAL PROFILE

A Brief Overview

A team player & a responsible individual having good communication skills & work ethics, strong understanding, high values, highly focused & able to demonstrate integrity, dependability & responsibility. Capable of working confidently under pressure, can easily manage and monitor the development, implementation and execution of any strategy.

Core Competencies

In-depth understanding of risk pertaining to lending of commercial vehicles.

Regular follow up with NPA/Non-starter/ No collection 3 months/ ED/ Matured customers for recovery of dues.

Good communication skills, ability to deal with people diplomatically, team building and motivational skill.

Adaptable, hard-working and comprehensive problem solving abilities.

Good knowledge of MS – office

AREA OF EXPERTISE

Revenue Achievement (Growth & New Management Acquisition) - Efficiency of Revenue Delivery - Financial Health of Business and Zone Managed.

WORK EXPERIENCE

Worked with SHRIRAM FINANCE LTD. (formerly known as Shriram Transport Finance Co. Ltd.) since Jan 1997 up to 30th June 2023 till completion of my retirement age of 58 years. Joined as a Branch Manager at Bhopal & currently designated as President working in the role of Zonal Business Head of Jharkhand & Bihar states after developing the business increasing the branches to 120 comprising of semi-urban & urban areas.

Previously worked as officer in Public Sector Bank (JMG Scale 1) for approx. 7years. LASTLY WORKED UP TO 30TH JUNE 2023 DESIGNATED AS PRESIDENT IN THE ROLE OF ZONAL BUSINESS HEAD IN SHRIRAM FINANCE LTD (VICE PRESIDENT FROM APR-16 TO MAR-18 & PRESIDENT FROM APRIL’18- ONWARDS) Responsibilities:

Handling business, collection & administration for 9 regions i.e.; more than 120+ branches.

Work with the JMD & MD in developing and implementing the business strategy for the zone

Ensuring successful alignment with the overall strategy.

Responsible for end to end revenue from the branches/ regions.

Creating sales strategy & growth plan to increase productivity.

Cost analysis and cost allocations

Managing the development of revenue (through growth and acquisition) and ensure it is inline with vision and operating plans.

For business growth, and working as revenue generating head.

For overall target, reviewing the performance.

For New Business Development, Retention & Growth.

Coordinating with Product & Pricing committee for new product launches & implementing new plans.

Responsible for sales promotions.

Preparing Sales & Marketing forecast, allocating yearly, quarterly & monthly targets for the entire team

Ensuring that service quality standards are adhered to.

Formulating budgets for the various business units and conducts periodic reviews to performance.

Focusing on manpower development and their deployment of best efficiency.

Contributing and enhancing the brand image and inculcating the services and sales culture across Regions and cluster

DESIGNATED AS GENERAL MANAGER WORKING IN THE ROLE OF REGIONAL BUSINESS HEAD AT BHOPAL

(JUNE 2011 – MARCH 2016)

Business development of Madhya Pradesh.

Identifying new locations for expansion of branch networking.

Conducting of interviews for recruitment of executives & personnel enhancement.

Operation planning for maximum profitability of the Branches/ Region.

Negotiated contracts with vendors.

Slashed payroll/benefits administration costs 30% by negotiating pricing and fees, while ensuring the continuation and enhancements of services. WORKED AS DEPUTY GENERAL MANAGER HEADING THE CENTRAL REGION (HEADQUARTERED AT NAGPUR) AS REGIONAL RECOVERY HEAD (OCT 2010 – MAY2011)

Looking after & controlling the above six bucket unsafe cases.

Conducting open auction for repossessed vehicles.

At the same time looking and running legal on seized & sold cases for shortfall amount. REGIONAL CREDIT & RISK HEAD BASED AT NAGPUR (APRIL 2008 – SEPT 2010)

Was given the responsibility as Regional Credit & Risk Head heading the territories of Madhya Pradesh, Chhhattisgarh & Vidarbha, the Central Region & based at Regional Office at Nagpur, responsible for any sort of risk in the activities/ business of the company in the region. I also lead the legal team for recovery & shortfall collection.

REGIONAL MANAGER-CREDIT-OPERATIONS (JULY 2005 – MARCH 2008)

Worked as Regional Manager (Credit Operations) heading the territories of Madhya Pradesh Chhattisgarh States. I was entrusted with the responsibility to explore the possibilities of three- wheeler vehicle finance business.

DIVISIONAL MANAGER - CREDIT OPERATIONS (JAN 2002-JUNE 2005)

Worked as Divisional Manager (Credit Operations) for expansion in working area & was heading whole of Western part of Madhya Pradesh (Bhopal, Malwa & Chambal areas). SR. MANAGER -CREDIT-OPERATIONS (JAN 1999 – DEC 2001)

Worked as Sr. Manager (Credit Operations). I was the Divisional Head being the Credit as well as Administrative Head for all the branches under my branches under my division. I was also responsible for the growth of deposits & truck finance business as well as smooth functioning of the branches. BRANCH MANAGER - CREDIT-OPERATIONS (JAN 1997 – DEC 1998)

Joined Shriram Transport Finance Co Ltd as Branch Manager (Credit Operations). I was the administrative Head of the Branch, responsible for all operational activities at the branch level including achievement of targets in terms of public deposits and growth of business related to truck finance. PUBLIC SECTOR BANK OFFICER JMG SCALE-1 (1990-DEC 1996)

In regional rural bank under Bank Of India (Govt of India Undertaking) having semi-urban & rural branches under its control. Worked as Branch Manager in different branches during the tenure & fully responsible for the credit operation & growth of deposits along with the smooth functioning along with the smooth functioning of the branch. I also worked as Audit Officer during the period whenever given the responsibility. ACCREDITATIONS

I have been not only regularly awarded prizes in recognition of my commitment, integrity and hard work but my name has always found place in the company’s bulletins with lots of appreciation. I was the Authorized Signatory for Cheque signing for company’s Bank account operations including deposit refunds. PROFESSIONAL MEMBERSHIPS

Holding a Lifetime Membership of Indian Institute of Bankers.

Have been a part of Seminars & Training Program conducted by BIRD (Bankers Institute for Rural Development, Govt. of India) NABARD (National Bank for Agriculture & Rural Development, Govt. of India).

Attended different level training programs organized by my Bank from time to time. COMMUNITY ACTIVITY

Actively participated in social service camps like Blind Relief Camps, Visiting Leprosy villages, door to door collection & distribution of clothes organized by Rotary Club & Lions Club. ACADEMICS

Graduation (BA Honors in English) from Ranchi University 1983-1986.

10 + 2 from CBSE Board- New Delhi 1981-1983

10th from ICSE Board-New Delhi 1980.

PERSONAL DETAILS

Gender MALE

Date of Birth 17th JUNE 1965

Passport No S4610577 valid up to 10/07/2028

DECLARATION

I hereby declare, all the information given above is correct to the best of my knowledge & belief. Place: Bhopal FARHAT IQBAL

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