Proactive, diligent, multi-tasking, customer-centric and target oriented professional with accomplished experience of 24+ years in managing branch operations, micro level infrastructure planning, retail operations, debt servicing and client servicing. Currently working with ICICI Bank, as Zonal Infra Head. Pragmatic, with proven managerial acumen and abilities to withstand work pressures, deliver assignments within specified time frame without compromising on quality benchmarks.
Npa Reduction Specialist
A dynamic professional with 10 years exclusive rich experience in managing retail NPA portfolio with key focus on reduction of provisioning
Zonal Infra Head for Maharashtra & Goa, Infra Management Services Group
ICICI Bank Ltd.
From June 2013
Master filed maintained towards consolidated infra data containing IT & Non IT equipments, area, power supply, land lords details including monthly rent, lease tenor, maintenance charges etc of all jurisdiction locations.
Credited for lesser No’s of Business Continuity Plan (BCP) in Top 100/ Top 500 locations in last financial year.
Successfully achieved 90% in timely execution of lease new sites/ renewal & release of Rents and completion of general Projects as well as special projects.
Instrumental in achieving Very fewer escalations and resolved on due time.
Commended for 60% branches having feel good factor.
Successful in timely disposal of the non repairable non IT assets/equipment within the process.
Successfully completed special projects Skill Academy within a short period and with less team members.
National Manager – Infra Management Services Group (Productive Management of Banking and Non Banking Asset)
ICICI Bank Ltd.
April 2012 - June 2013
Process note for Banking and Non Banking Asset towards usage, maintenance, litigation, disposal and new acquisition finalized and approved.
Storage of relevant original property documents at Safe Custody locations arranged.
60 % non available relevant documents arranged.
70 % regularization of ownership titles on Bank’s name for erstwhile Bank’s properties in concern government department/ societies completed.
300% increase in disposal of non productive properties over last year completed without any escalations/ delay with higher margins.
70% of Non Banking Asset litigation resolved.
Successfully managed all the redevelopment projects with best Bank benefits.
Other important projects successfully executed
Ensured timely release of all the owned properties statutory dues.
Regular up keep done of all the owned properties, resulting improvement in resale value.
Metro city wise vacant properties were converted for own usage, resulting saving in high rents by surrender of high rent properties.
Zonal Manager - Debt Servicing Management Group (Mortgages)
ICICI Banl Ltd.
September 2009 - March 2012
∂ Overall reduction of Rs.550 millions, resulting more than 7 % reduction in book size.
∂ Rs.16.51 millions collected towards other charges (Penal/ Cheque Dishonor charges etc).
∂ Negative incremental NPA each quarter end.
∂ Negative incremental NCL in last three quarter end.
∂ Ensure lesser escalations and faster resolution of cases filed against the company.
∂ Resolved 70 high POS cases (> Rs.2.50 millions) with a total POS of Rs.415 millions through personal meeting/ negotiations.
∂ Resolved 200 low POS cases with POS of Rs.65 millions through regular Conciliation Camp/ Lok Adalat.
∂ Minimum two team members being awarded R & R award (Recognition and Reward) each quarter from each state.
∂ One member from each region got promotion this year.
∂ Higher retention within team.
Zonal Manager - Debt Servicing Management Group (EMCT locations)
ICICI Bank Ltd
November 2007 - August 2009
Achieved 6% reduction in book size (In Home, Auto & CB loans etc).
Maintained lesser provisioning in Home, Auto and CB loans.
Initiated maximum legal action including civil and criminal sections on unsecured products high POS cases.
Highest number of Assets / properties where taken in custody.
Conducted conciliation camp and Lok Adalat on regular intervals on PL, Two Wheeler, Low POS Auto, CB and HL cases.
Exclusive focus on +365 DPD high POS cases including separate product wise collection / recovery agencies.
Maintained lesser escalations.
National Collection Manager - Mortgages Loan Product
Diwan Housing Finance Corporation Ltd. (DHFL),
June 2007 - November 2007
Collection process implemented & core collection team formed.
Achieved highest number of high POS cases normalization.
Highest numbers of notices issued U/s. SARFAESI act and achieved highest numbers of foreclosures.
More than 50 cases resolved from higher bucket resulting lesser provisioning.
National Collection Manager - Retail Loan Product
Birla Global Asset Finance Co. Ltd
April 2002 - May 2007
From April’ 2002 – May’ 2007:- National Collection Manager – Retail Loan Product. Notable Highlights
Collection process implemented & core collection team formed.
Highest number of legal notices issued under various civil and criminal sections.
Successfully implemented multi locations based legal action U/s138.
More than 2000 cases resolved from low POS portfolio.
Achieved highest number of Non Performing Assets foreclosures with average of 50 cases per month.
Achieved average reduction of outstanding by Rs.5 millions every month from March-03 onwards Pan India.
Appraised as the Top Performer in BGAFCL consecutively for the last 5 years then.
Birla Global Finance Ltd.
April 1997 - March 2002
Increased monthly sales from Rs.5 millions to Rs.25 millions average of the branch.
Achieved reduction in Post Disbursal Document's to 1% from 30% with reduction in critical outstanding to less than 2.5% from 18% of the branch.
Mobilized Rs.2.5 millions (average per month) towards Fix Deposit, Mutual fund & Bonds etc.
Achieved additional income fees of Rs.2.0 lakhs per month through syndication/ subvention.
Got promoted within first year of joining.
Asst Manager - Sales & Collection
Tata Finance Limited
November 1995 - March 1997
Identified potential markets for lending financial products like Auto finance, Commercial vehicles finance, Construction Equipment finance, Office and medical equipment finance etc.
Arranged loan Melas for Auto, commercial vehicles and construction equipment jointly with dealers/ manufactures at various locations in New Mumbai, Thane & Raigad district.
Achieved overall branch sales and collection target in the entire retail product each month.
Also achieved target for collection of post disbursal documents each quarter.
Maintained excellent relations with dealers and manufactures.
Sr. Executive - Sales & Collection
Mafatlal Finance Co. Ltd
January 1995 - November 1995
Identified the potential fleet owners of other NBFC's with good repayment record for regular funding requirement.
Developed reputed intermediaries for used car & used truck finance business for achieving higher income targets.
Initiated selective legal action against high POS high DPD cases through time bound planning.
Very much successful in cross sale of financial retail products including company fix Deposit etc.
Achieved allocated yearly target within six month from date of joining.
Sales and Collection
June 1990 - December 1994
∂ Appointed dealers in untapped markets.
∂ Appointed franchisee accounts in potential area/cities.
∂ Improved excellent relationship with potential dealers by supplying requires goods on due time as per market demand and also timely solving of claim complaints.
∂ Improved overall market share by creating demand through regular consumer meets and through timely dealer supply.
∂ Opened the First 'Ceat Taxi Club' at Aurangabad with more focus on passenger segment.
∂ Highest sales target achievement in truck, two wheelers, Agriculture, auto radials, OTR and in industrial segments.
~ Major Projects ~
∂ Kisan Mela -94 in Poona.
∂ Maha Expo-94 at Aurangabad.
Qualifications & Certifications