devi Prasad sahu

klil - 1. Leadership and team management 2. Financial acumen and management 3. Customer relations and business development 4. Communication and interpersonal skills 5.Sales , Collection,Handling Target 6.People Development &Customer Identification & Acquisition Objection & Grievance 8.achievement of disbursement targets with minimum delinquency. Identifying Joint liability Groups & disbursed loans, to suit the target customers and geographies 9 JLG lending and microfinance; strong leadership and monitoring 10.Achieve branch business targets in JLG lending.Lead and monitor field teams. Ensure high repayment rates and portfolio quality. Support BM in achieving targets and supervising field activities. Monitor collections, group formation, and loan utilization.

skill- & Job Responsibility :-- This position is responsible for achieving branch targets of outreach, portfolio quality and portfolio disbursement on a monthly basis, through a team of Kendra managers. This position is responsible for maintaining controls and compliances of the branch. This position is also responsible for overall administration and upkeep of the branch. Roles and Responsibilities: & Operations:- 1. Achieve branch targets of outreach, portfolio volume and portfolio quality for both existing and new products and services as per agreed targets month on month. 2. Maintain and ensure retention of clients on a month on month basis 3. Plan monthly disbursements at the branch to ensure standards of idol cash are maintained as per the limits set for the branch 4. Comply with accounting processes to manage and handle cash at the branch as per established norms 5. Monitor and maintain expenditure within the established limits at the branch level 6. Implement audit compliance procedures and checks at the branch at the required frequency 7.Coordinate new member/ group visits(for re interview) after KMs completing the CGTs 8.Ensure preparation and submission of all documents and reports as per agreed timelines 9. Monitoring of the existing Kendra’s on quarterly basis under the branch. 10.Ensuring the smooth completion of Audit process of the branch. 11.Ensuring recovery of overdue amounts under the branch. 12.Conducting the social development activity at the branch. People: Identify the location, space and procure infrastructure for the new branch and set-up the infrastructure for the branch with the support the regional Admin Manager Monitor and ensure branch requirements in terms of stationary, supplies etc are adequate and general upkeep is maintained month on month

state head - SKILLS : & My Responsibilities In the Office: - Daily verifications; - Administrative Responsibilities; Monitoring & Analysis; - H.R and Training; - Planning & Business Target; - Behavioral aspects; - Managerial responsibilities; - General responsibilities; - Business Development & expansion Portfolio and Risk Management Monitoring and Quality Control Regional and Zonal Team Management Collection 30+ & NPA 90+ hard bucket collection strategic Planning, Branch Operations, Sales and Team Management. Sales and Business Development Strategic Planning: Operational Management: Relationship and leadership skills. credit analysis and folloup od collection activity & team Folloup demonstrating excellent leadership and problem-solving . strong background in microfinance collections, **Job Summary:** statehead - collection - bssmicrofinance Limited We are seeking a proactive and experienced Group Collection AM& DM & Branch Manager to oversee the collection activities for group loan Overdue (OD) of assigned Branch. **Key Responsibilities: statehead -collection - bss microfinance Limited 1. **Collection Strategy and Execution:** - Implement effective collection strategies for PL & group loan OD accounts. - Monitor and manage the collection process to ensure timely recovery of overdue amounts. 2. **Customer Interaction:** - Engage with clients to understand their financial situation and negotiate repayment plans. - Address customer queries and concerns related to loan repayments. 3. **Reporting and Analysis:** - Prepare and present regular reports on collection activities and performance metrics. - Analyze collection data to identify trends and areas for improvement. 4. **Compliance:** - Ensure adherence to all regulatory and company policies during the collection process. - Maintain accurate records of all collection activities. 5. **Stakeholder Coordination:** - Coordinate with other departments such as loan processing and customer service to streamline operations. - Liaise with external agencies when necessary. Job Role and Responsibility - StareHead-sales - bssmicrofinance Limited A. Business Development & expansion 1. Ensures identifications of the potential regions /areas for expansion of business in a zone 2. Ensures potential client base and product acceptability in new region / areas 3. Assesses opportunities for geographic expansion of operational area and setting up of new Region(s) 4. Ensures business growth and diversity of products in the zone as per business plan 5. Analyzes productivity, efficiency gaps of regions and areas and plug the same B. Portfolio and Risk Management 1. Ensures RH is taking preventive and curative measures in the region to maintain high quality portfolio 2. Ensures rules and norms of the company related to HR, Admin, training are adhered strictly in pursuit of the risk management and defined process 3. Assisting the Business Head in formulating the strategies regarding portfolio and risk management in the region C. Monitoring and Quality Control 1. Ensures rules and norms of the company are adhered strictly in pursuit of business growth in the zone 2. Visits Regions and field to observe field activities to ensure these processes are followed in compliance of the operational policy and procedure in the region 3. Reviews MIS and bank transactions to check and ensure accuracy 4. Closing the audit actions of the critical cases in the Zonal level 5. Guiding RH, Zonal HR, IT, Training & Admin to accomplish their work as per defined policy and process 6. Overseeing the functioning of the Zonal and Regional offices D. Regional and Zonal Team Management 1. Provides guidance and training to ZO staff and Regional Managers 2. Provides feedback to the ZO staff and the Regional Managers to improve performance 3. Resolves internal conflicts at ZO level and also within the Regions 4. Helps Regional Managers with support of Zonal HR in identifying star performers and the low performers in the zone & region. 5. Guiding and training HR in recruitment and training of new employees at ROS E. Public relations 1. Develops rapport with other MFIs in the Zone, attends meetings convened by sectoral platforms like MFIN, Sa-dhan, etc. 3. JOB SUMMARY Zonal managers is responsible for Business of 3-4 area , each Zone comprising of 10-12 branches. The position will work closely with the Senior Management to drive. Growth & Quality of portfolio, keeping profitability of the area /Zone as the topmost priority. Managing growth plans for the area /zone, overseeing the functioning of the Zonal Office with HR, Admin, Training. Customer acquisition & retention complying Process and Regulatory requirement. Working closely with functions like Risk, Credit & Audit and support functions at Head Office (Finance, HR, Administration, IT etc.) as well as external stakeholders to support achievement of vision and mission of the organization. SUMMARY :- A dynamic professional with more than 17 years' experience in Microfinance sales & collection , and NPA 90 hard bucket collection ,strategic Planning, Branch Operations, Business Development, Sales and Team Management. An effective communicator with good presentation, negotiation, relationship and leadership skills. Specialties: Microfinance, Sales & Business Development ~ Relationship Management. Working closely with Microfinance product development team Successfully organised centre leader meeting at Bilaspur, around 500 centre leader attended they were representative of more than 10000 loan clients. Awareness program digital froud , Ring Leader & Froud calls & RBI Rules and Regulations