Resume CV : Research associate

[parikshith_hegde]

PARIKSHITH HEGDE
Email : parikshith_hegde AT yahoo.com

Objective :
Seeking Managerial assignments in Credit Administration / Client Relationship Management with a growth oriented organisation in the Operations sector.

PROFESSIONAL SYNOPSIS :
- A dynamic professional with over 5 years of rich experience in Client Relationship Management, Credit Administration, and Team Management across the Banking Industry and insurance Industry.
- Presently associated with Tata AIG Life Insurance as Branch Administrator (Operations).
- Expertise in managing sales & marketing operations with key focus on top line profitability through sales and marketing of insurance products and services.
- Proficient in Credit Administration (pre & post sanction) involving Credit Appraisals, Verification of Documents, Sanction & Disbursement of Loans, delinquency analysis and providing decision for sanction and disbursement in order that commitment to customer on turn around time is met.
- Played a major role for making Tata-AIG life Unit manager model operationally live at shivamog.
- Demonstrated abilities in cementing healthy relationship with key accounts for generating business and leading workforce towards accomplishing business and corporate goals.
- An effective communicator with excellent relationship building & interpersonal skills. Strong analytical, problem solving & organizational abilities. Possess a flexible & detail oriented attitude.

CORE COMPETENCIES :
- Credit Administration :
o Conducting risk analysis and scrutinizing relevant documents like before sanctioning / disbursing various kinds of loans ensuring compliance with organisational credit policies.
o Over seeing comprehensive study of the credit worthiness during the process of sanctioning credit/ loan to corporate / individual clients through all the primary and secondary researches.
o Supervising data verification and field Investigation activities with a view to obtain accurate information to assess the creditworthiness of the clients.

- Business Development :
o Initiating contact with potential customers for generating sales & cross selling insurance products.

- Client Relationship Management :
o Managing customer centric business operations, forwarding customer instructions to the concerned department & ensuring customer satisfaction by achieving delivery & service quality norms.
o Rendering services related to Sales, Credits, Services and Collections.
o Interfacing with clients for understanding their requirements & suggesting the most viable solutions / products and cultivating relations with them for customer retention & securing repeat business.
o Developing relationships with the customers in target markets for business development.
o Rendering valuable suggestions to the clients & delivering quantitative & qualitative suggestions to the client. Implementing KYC norms as per the norms of RBI & AML & preventing the bank in avoiding frauds.

- Team Management :
o Leading, mentoring & monitoring the performance of team members to ensure efficiency in process operations and meeting of individual & group targets.
o Creating and sustaining a dynamic environment that fosters development opportunities and motivates high performance amongst Team members.

ORGANIZATIONAL EXPERIENCE :
Since Mar’07 with Tata AIG Life Insurance as Branch Administrator (Operations)

Responsibilities :
- Providing solutions to the queries of the clients regarding the claims.
- Handling the responsibility of complete of introspecting the documents, documentation and essuring disbursal of insurance claims.
- Administering the complete branch facilities, stock, operations and support for sales and customer information's.
- Monitoring the performance of customer care officers, cashiers, housekeeping, security guards and IT department by regularly communicating with them : Looking after the new business submissions by scrutinizing with adherence to KYC and AML and medical.
- Finalizing the submissions after the logins from CSO, and Cashiers.
- Appraising the performance of the sales team by maintaining their leave records, attendance, HR quires,
- Conducting daily meetings with sales managers and adviser training department personals & verifying for the perusal of the SOP’s.
- Registering & resolving the issues related to HR, branch Audits, legal departments, facilities & finance.
Shortlisting the resumes & appointing new advisors & directing them to generate business.
- Playing a major role in handling renewals, new agent’s contract, PBA appointment, BA agreements, commission disbursal, and license handovers.
- Providing backup support to the cashier-(reconciling the deposits, petty cash, stamp papers etc).
- Overseeing the distribution operations, customer care, branch admin and facilities by implementing the quality parameters of the organization.
- Crosschecking the branch stock & monitoring the inward and outward movement of branch assets, daily cash, check, DD depositions to banks and confirming the credits by mails and by standard deposition procedures.
- Crosschecking all the Documents and coding for BA/PBA company formation by coordinating with local government departments like professional tax, income tax department, sub registrar department for company registration and BA firm registrations.
- Performing stamp paper documenting, registering, notarising for the BA company formations, documenting with Income tax dept and complains department of the company for the commission quires, bonus quires, adviser income quires, BA company income queries etc.
- Documenting and releasing all the commissions, company papers, gifts etc to the advisers or customers.
- Establishing branch level contact for all local governmental departments to receive notices and further to communicate with legal department of the company.
- Receiving the claim notices from customer and to investigate the party as per procedures and instructions given by the company and send the report to claims dept
- Imparting training to the branch staff in operations aspect, product knowledge & maintaining safety measures of branch like documenting, upgrading their knowledge, security management, branch hygiene maintenance, fire training etc.
- Identifying the training needs & Imparting training to the operations and advisers.
- Auditing the complete branches of Hospitals which have medical tie ups with the company, complains, legal, operational, monitory, statutory audit has to be done monthly.

Attainments :
- Successfully established a new branch at Udupi by selecting the strategic business point.
- Demonstrated efficiency & administered the complete setup, , installation of fixed assets as per plan,
- Ensured proper arrangement for cash pickup, courier, networking, connectivity, water arrangement, power supply, rent agreement & backup manpower.
- Contributed effectively for establishing a new UM model branch and made live operationally.
- Implemented measures & ensured that all the vendor bills are processed and settled on time.

Apr’05 to Mar’07 with Standard Chartered Finance Limited as Officer
Responsibilities :
- Efficiently looking after the Credit / Loan Disbursement and Credit Management.
- Playing a pivotal role in the complete process of credit delivery, sourcing of proposal from market as per the policy of the organisation, pre-assessments, granting approvals through internal sanctioning process, disbursement and post disbursement formalities.
- Identifying networthy clients & facilitating them with retail loans.
- Assessing the credit proposals & judging appropriateness of relevant documents for risk mitigation before sanctioning/disbursing the credit, ensuring compliance with organisational credit policies.
- Estimating the creditworthiness of clients and taking adequate steps to ensure receipt of payments and recovery of bad debts.
- Performing demographic segmentation and encoding of application data to enable credit sourcing and NBSM decision : Entrusted for handling credit management, monitoring and doing follow-ups with the clients & enabling the assets as working assts
- Supervising & sanctioning credits after appraising solvency status & verifying documents as well as performing post sanction follow-ups.
- Formulating & executing recovery strategies in case of payment defaults.
- Achieving & maximising the sales of third party products targets set by the organization.
- Interfacing & coordinating with the staff to achieve the desired targets.
- Delivering 100% client satisfaction to the clients by implementing customer centric operations.

Attainments :
- Enthusiastically implemented credit policies at various multicultural regions.
- Generated documents to check mitigation process.
- Took initiatives & implemented the mechanism of new business strategy manager system & atomized the applications of consistent, risk based strategies to new applications based on portfolio behaviour.
- Displayed avalanche amount of energy & handled the functions of :
- Facilitating credit cards and personnel loan applications allocated in compliance with policies laid out by the business and the policy team.
- Assured processing of applications within benchmarked turnaround times and optimum productivity levels.
Actively participated in overseeing adherence to the banks policy on anti money laundering.

May’01 to Jan’02 with UNICHEM as Veterinary Sales Officer
Responsibilities :
- Stimulating the sales of veterinary and poultry medicines, feed mixtures and supplements.
- Interacting with stockists, medical shops, hospitals to generate the sales of the products & liaisoning with them regarding the prices.

PREVIOUS EXPERIENCE :
Tenure Organization Designation :
Apr’04 to Jan’05 Mangalore University Research associate.
Conducted in collaboration with NIO, DRDO and defence sponsored by Government of India

Responsibilities :
- Initiating collection of sample for research purpose by going offshore in sea and collecting water samples at specified different depths and recording different parameters like temperature, humidity and pressure.
- This process is repeated for different satellites that pass over at their passing time by using GPS and recorded.

OTHER ACTIVITIES :
- Gathered reliable knowledge of Marine Geology by participating in scientific cruises & attending workshops.
- Sediment sampling like deep sea coring (Gravity corer), Grab, (Peterson Grab), dredging, shallow water travellers acquisition of DGPS/ echo sounder data (SIMRAD) and Deployment of sample.
- Earthquake resistant design and retrofitting of RC structures' conducted by National Institute of Technology Karnataka, Surathkal.
- Possess In-depth knowledge on Geophysical Equipments like : Gravimeter, magnetometer and echo sounder.
Oceanographic instruments such as Automatic weather station, Acoustic Doppler current profiler, Thermolinograph etc.
- Undergone safety familiarization lectures on onboard at high seas.

QUALIFICATIONS :
- M.Sc in Marine Geology from Mangalore University in 2004. (With Distinction)
- BSc in Biology, Zoology & Chemistry from MGM college Udupi in 2001
- PGDIT from MIT manipal in 2002

PERSONAL DETAILS :
- Date of Birth 9th April 1980

[Guest]

Shweta Gupta
E-Mail : shwetagupta0912 AT gmail.com

Objective :
Seeking entry level assignments to build a career in Research and Development activities (Agriculture) which will help me to explore myself fully and realize my potential in Plant Breeding and Genetics field with an organization of repute

PROFESSIONAL SYNOPSIS :
- Completed Ph.D in Genetics and Plant Breeding from Indira Gandhi Agricultural University, Raipur, Chhattisgarh.
- M.Sc.(Ag.) from University of Agricultural Sciences, Dharwad, Karnataka in Genetics and Plant Breeding.
- An effective communicator with excellent relationship building & interpersonal skills. Strong analytical, problem solving attitude.
- Possess a flexible & detail oriented attitude
- Strong Science background with sound understanding of various facets related to specialization.

MAJOR RESEARCH WORK (In M.Sc (Agri.) Program) :
- Title : Induced Genetic Variability for Quantitative traits in Soybean (Glycine
Max (L).Merill)
- Institution : University of Agricultural Sciences, Dharwad, Karnataka.
- The Objective of this project is :
a. To study association, direct and indirect effect of yield components in mutant populations.
b. To study induced genetic variability for various qualitative and quantitative characters.
c. Identification of the potential mutants for important traits in two mutant populations
of soybean genotypes i.e. JS-335 & KHSB-2 in M4 Generation.
Conclusion of above project is :
1 Large number of mutants was identified & isolated superior to parents for yield & its associated components in both mutant populations. They were further confirmed for their superiority for protein and seed oil traits using NMR(Nuclear Magnetic Resonance Technique).
2 In addition some mutants had also been identified for morphological traits viz., puckered leaf mutant line (J-30-25-2), oval and thick leaf mutant line( JE-5-15), Black seeded mutant line( K-20-91-3),white flowered mutant line( KE-4-16)which can be used as Genetic stocks for further studies .
3 Among various chemical mutagen doses 20 KR (kilo Rads) gamma ray dose in seeds was found to be very effective for enhancing yield.
EDUCATION TRAINING “RAWE” (Rural agricultural work experience) During B.Sc (Agri.) Program)
Training Benefits in terms of learning about various techniques of Seed Production, Seed Treatment, Forestry Plantation, how do we deal with various farmers problems at field level and also advising regarding seed production and storage along with water management strategies etc.

EXTRA CURRICULAR ACTIVITIES :
- Participated in Central Integrated Pest Management (IPM) Training for 2 days & obtained Certificate from Ministry of Agriculture and Directorate of Plant Protection (Central Government Integrated Post Management Centre, Raipur (CG).
- Successfully participated in combined annual training camp of National Cadet Core (N.C.C) held at ITI, Mana Camp, Raipur (C.G.)

ACHIEVEMENTS :
- Merit scholarship from 2002 to 2006 during Under Graduate Programme.
- Obtained ICAR, New-Delhi Scholarship during Post Graduate Programme Distinction of securing
- Class representative of student union for the year 2005-2006 during B.Sc-Agriculture.
- Obtained N.C.C ‘B’ Certificate

ACADEMICS :
EDUCATION QUALIFICATION :
Degree Institution/Board Y-O-P % of Marks Subjects :
Ph.D(Ag.) Indira Gandhi Agricultural University,Raipur, Chhattisgarh 2012 82.3 Genetics and Plant Breeding
M.Sc.(Ag.) University of Agricultural Sciences, Dharwad, Karnataka 2008 83.8 Genetics and Plant Breeding
B.Sc.(Ag) College of Agriculture, IGKVV, Raipur, CG 2006 84.4 All essential Agri. subjects
12th Std Salem English School Raipur, CG 2002 86.2 Science (Bio, Phy. Chem.)
10th Std Salem English School Raipur, CG 2000 60 Eng, Math, Science etc

IT SKILLS :
Windows, MS Office & Internet Applications

PERSONAL DETAILS :
- Languages known : English, Hindi.
- Date of Birth : 09/12/1983

Declaration :
I here by solemnly and sincerely affirm that the statements made and information furnished by me is true and correct.

Place : Bangalore

SHWETA GUPTA