Amar k Srivastava

Currently working as an Area Manager / Senior Manager – Ranchi Cluster at Bandhan Bank, leading end-to-end MSME and Business Banking operations across the cluster. The role involves driving growth in Unsecured and Secured Business Loans (LAP), Cash Credit (CC) and CGTMSE-backed lending, while maintaining strong focus on portfolio quality, risk management and early-stage collections. I manage SME portfolios across Regular (0 bucket), SMA-1 and SMA-2, ensuring timely rollbacks and delinquency control. Responsibilities also include branch and DST handling, team leadership, compliance oversight, and coordination with credit, operations and collection functions to achieve sustainable business growth and long-term portfolio stability.

As a Deputy Area Manager, I am responsible for driving business growth and portfolio management across multiple regions, including Jharkhand, and Purulia (West Bengal). My key focus areas include Business Loans (Unsecured), Loan Against Property (LAP), and MSME Loans. Key Responsibilities: 1. Business Growth & Portfolio Management Driving loan disbursements and business expansion in the assigned regions. Managing both secured and unsecured loan portfolios effectively. Ensuring a healthy collection portfolio with minimal NPAs. 2. Team Leadership & Development Managing a team of 12 members, ensuring productivity and performance enhancement. Reducing employee attrition by fostering a strong, goal-oriented work culture. Conducting training and development sessions for team skill enhancement. 3. Market Expansion & Location Growth Identifying new business opportunities to scale operations in the assigned regions. Strengthening market presence in Jharkhand, Sambalpur, and Purulia through strategic initiatives. Collaborating with stakeholders to improve penetration in the MSME and LAP segments. 4. Collections & Risk Management Ensuring strong collection efficiency and minimizing delinquencies. Monitoring and improving credit quality through risk assessment and customer profiling. 5. Stakeholder & Compliance Management Coordinating with DSAs, referral partners, and internal teams for seamless business execution. Ensuring compliance with regulatory and organizational guidelines. This role demands strong leadership, financial acumen, and strategic thinking to drive sustainable growth while maintaining a robust portfolio

Leadership in SME Finance: Overseeing the SME vertical, with a specialization in Unsecured Loans and Loan Against Property (LAP), across the entire Jharkhand state.D2C Vertical Management: Leading Direct-to-Consumer (D2C) initiatives, driving business acquisition through digital platforms, e-referrals, and strategic cross-selling.Team Leadership: Managing and mentoring the Direct Selling Team (DST), ensuring high performance and achievement of sales targets.Collections and Risk Management: Implementing robust collections strategies, managing risk, and ensuring compliance with financial regulations.Credit Analysis: Conducting comprehensive credit analysis to assess and mitigate potential risks, ensuring a healthy loan portfolio.Customer Relations: Enhancing customer experience and retention through effective relationship management and personalized service.Business Growth: Driving significant business growth by identifying and capitalizing on new market opportunities.Operational Excellence: Streamlining operations to improve efficiency, reduce costs, and enhance service delivery.Performance Monitoring: Utilizing key performance indicators (KPIs) to monitor and improve team performance and operational outcomes.Strategic Planning: Developing and executing strategic plans to achieve long-term business objectives and maintain competitive advantage.

Experienced Manager with 6 years of versatile expertise in the banking and finance sector. Currently overseeing the SME vertical, specializing in Unsecured Loans, Loan Against Property (LAP), for the entire Jharkhand state at Bajaj Finance Limited. Skilled in handling D2C verticals, driving business acquisition from digital platforms, e-referrals, cross-selling, and managing the Direct Selling Team (DST) model.

Role: Unsecured Business Loan Advisor Managed core unsecured business loans, focusing on small ticket size and hypothetical loans.Handled the core collection processes, ensuring timely recovery and minimizing defaults.Provided exceptional customer service during the COVID-19 pandemic by facilitating moratorium facilities to support clients.Successfully managed and maintained a high-quality loan portfolio, ensuring minimal delinquencies.Demonstrated strong customer relationship management skills, enhancing customer satisfaction and loyalty.Implemented effective risk management strategies to maintain a healthy financial portfolio.

Oversaw the Agency channel, focusing on the sale and management of insurance policies.Led and managed a team of agents, providing guidance, training, and support to achieve sales targets.Ensured compliance with IRDAI regulations, maintaining up-to-date knowledge of industry standards and changes.Developed and implemented strategic sales plans to expand the agency's client base and enhance policy sales.Analyzed market trends and customer needs to identify opportunities for new insurance products and services.Fostered strong relationships with clients and stakeholders, ensuring high levels of customer satisfaction.Conducted performance evaluations and implemented development plans to enhance team productivity and efficiency.Coordinated with underwriting and claims departments to streamline processes and improve service delivery.Monitored key performance indicators (KPIs) to track progress and make data-driven decisions.Managed budget and resource allocation to optimize operations and achieve financial goals.