Magma Fincorp Ltd Lucknow : Credit Retail Finance

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MGM Finance

Company Profile
Magma Fincorp Limited; previously known as Magma Shrachi Finance Limited; was incorporated in 1988 and commenced operations in 1989. Since then, Magma has emerged one of India's largest financial services companies. Headquartered in Kolkata and registered with the Reserve Bank of India and represented by a qualified team of 3500 Magmaites.

Credit Head Retail Finance (Manager)
MGM Finance

Experience: 5 - 7 Years
Location: Lucknow
Education:
UG - Any Graduate - Any Specialization,Graduation Not Required
PG - CA,CS,ICWA,MBA/PGDM - Finance
Industry Type: Banking/Financial Services/Broking
Functional Area: Accounts, Finance, Tax, CS, Audit
Posted Date: 23 Dec


Job Description
• The candidate Should have the exposure in retail financing.
• Should have the exposure in Field investigation, credit appraisal and approval of proposals.
• To implement the triggering policy relating to the disbursement of loans.
Desired Candidate Profile
• The candidate should have the thorough knowledge of the desired market.
• The individual should have led a team of professionals. Should be willing to travel.
5-7 yrs including minimum 2 yrs as the credit in-charge in retail financing Institutions and / or CPA shops.

Executive Name:
Mr. Amar Nath

Address:
Not Mentioned

Email Address:
nath.a@magma.co.in

Telephone:
Not Mentioned

Keywords: Credit Head

http://www.magma.co.in

[Guest]

pl find resume

RAJESH KUMAR PANDEY
rkalld.rakesh AT gmail.com

Aspiring for opportunities in Sales & Marketing, Credit Administration with a growth oriented organization of repute preferably in Insurance / Finance / Banking sector.

CAREER OVERVIEW

A dynamic professional with over 6 years of rich experience in ,channel sale, Credit Appraisal, Retail Loans, Banking Operation, Risk Management, Loan Recovery and Team Management. In depth knowledge of day to day operations in all type of credit business with rich experience in handing teams and designing new strategies to win in the market. Competent in streamlining & improving existing systems / processes, envisioning new methodologies, future trends and driving development, direction and accomplishment.

Adept in managing business operations with focus on top-line & bottom-line performance and expertise in determining company’s mission & strategic direction as conveyed through policies and corporate objectives. An effective communicator with excellent relationship building & interpersonal skills. Strong analytical, problem solving & organizational abilities.

________________________________________
COMPETENCIES OVERVIEW

- Overseeing sales & marketing, increasing the sales growth and driving the sales initiatives in order to achieve business goals.
- Conducting competitor analysis & competency mapping for keeping abreast of market trends and competitor moves to achieve market share metrics.
- Managing various credit operations including appraising proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning loans.
- Handling approval of loan proposals & sanctioning credits after appraising solvency status & verifying documents as well as post sanction follow-up and disbursal of loan.
- Managing and monitoring delinquent account collection and establishing terms of payment as well as handling vendor management.
- Preparing MIS reports to provide feedback to top management on business operations, viz. collection, credit control, profitability, etc.
- Handling the customer service department for all products and resolving customer grievances within specified TAT.
- Recruiting, training & monitoring the performance of team members to ensure efficiency in sales / operations and meeting of individual & group targets.
- Conducting meetings for setting up objectives and designing or streamlining processes to ensure smooth functioning of operations.
- Creating and sustaining a dynamic environment that fosters development opportunities and motivates high performance amongst team members.

________________________________________
EMPLOYMENT SCAN
Since May’09 : PRISM Cement Ltd., Bhagalpur
Senior Officer Sales
Key Result Areas :
- Responsible for marketing activities in Bhagalpur & Bhagalpur sub Region; coordinating with Sales Promoters regarding sales and collection of receivables, market development and channel related activities in Bhagalpur Dump area & its adjacent area.
- Undertaking price stabilization efforts through conducting local meetings in the territory in order to optimize NCR.
- Following up and involving with Technical officer and Technical Services in Brand Building Exercises.
- Responsible for achieving monthly as well as for annual sale targets through sales promoters and dealers Network management
- Prospecting, converting and servicing Non Trade customers and institutional customers of Bhagalpur region.
- Coordinating with Logistics and Accounts to enable timely supplies and services.
- Looking after the operation work like stock reco, providing credit limit to dealer, allocation of given target to dealers.
- Maintaining the ledger of depot, handling the rake with the help of C&F
-
- Manage customer complaints and enquiries, escalating it if necessary

- Working closely with Logistics department to ensure smooth & steady dispatches on a regular basis in order to regain confidence of the network.
- Job involves Visiting dealers on a regular basis, taking note of stocks at their counters, and competitor price
and also regular visit to project site and maintain the contact with project manager for collecting business
- Procuring orders, follow up of payments, Controlling outstanding,etc.
- Brand promotion by way of advertising ,shop& wall painting, poster and pop

Highlights :
- Increased Market Share of Prism Cement for Bhagalpur Depot and surrounding region from 0% to 7%, by increasing sales to medium sized dealer network.
- Motivated the channel members to reduce the outstanding. The Collection cycle was reduced from 7 days to 2 days.
- Enhanced the Sales of blended cement (Champion) increased from 90% to 98%.
- Regained confidence of the dealer network by sorting out old problems related to Accounts.
- Bhagalpur dumps being a new dump for company. Created framework of systems and activities.

Oct’07-Feb’09 with Fullerton India Credit Company, Nashik
As Branch Credit Manager
Key Result Areas :
- Performing the functions of assessing creditworthiness on an ongoing basis of clients and taking adequate steps to ensure receipt of payments and recovery of bad debts.
- Attending loan queries through a team of individuals.
- Scrutinizing the documents of customer for assisting legal and valuation matters as per RBI norms.
- Recommending for approval and disbursal of loans for clients.
- Evaluating the proposals brought by the leads and recommending viable suggestions for sanction or rejection after making credit appraisals.
- Undertaking legal analysis of Mortgage Loan, Home Loan, Business Loan and LCV Loan; LAP coordinating with advocate for legal cases for mortgage and Home Loan., LAP,
- Maintaining branch records as well as periodically submitting the reports to Management for decision-making purposes.
- Handling overall administration of the organization.
- Reviewing delinquent accounts to identify possible rehabilitation vis-Ã -vis re-age & re-structure.
- Carrying out personal discussion with applicant and gathering information regarding their profile, loan requirement, intention and ability to repay the loan
- Overseeing the Legal Process for the Recovery.
- Legal Cases such as Cheque Bounce and summons.
- Responsible for all operations related to pre-sanctioning and post-sanctioning process

Highlights :
- Had signing authority of 1.5 lakh unsecured and 2.5 secured loan.
- Restructured and loan settlement of the 10 case for amount of amount approx pos of 20 lakh.
- Successfully managed delinquent account collection and established terms of payment conducting debtors ageing analysis of an unpaid account
- Handled the collection team of 8 people

May’04-Oct’07 with Shelter (CITI Bank Associate), New Delhi
As Assistant Credit Manager
Key Result Areas :
- Undertaking credit appraisal of Salaried, Self Employed Professional (SEP) and Self Employed non- Professional (SENP) for their personal loan application.
- Analysing delinquent cases & non starters to ensure the corrective action.

- Establishing processes, initiating operations and stabilizing operations after successful commencement of operations within stipulated time with basic ERP (ALPS) software.
- Imparting periodic sales training to ensure that sales teams are thorough with all the product changes.

Highlights :
- “Certificate of Excellence” for outstanding performance and lasting contribution as Credit Officer in personal loan Dept. in 2004.
- “Certificate of Merit” in recognition of superior performance as a Credit Officer (Personal Loan Dept.) in the year 2005.

SCHOLASTICS
M.B.A (Finance) from Bundelkhand University, Jhansi, (U.P) Full Time in 2004.
M.Com. from Kanpur University in 2002.
B.Com. from Allahabad University in 2000.

IT Skills : Well versed with MS Office, MS Excel, MS Word., Internet Application, Tally 5.4

INDUSTRIAL TRAINING
Summer Project
Two months summer Industrial Project on the topic “ Causes of Loss & Improvisation of Bharat Pumps & Compressor Ltd. (A Public Enterprises”) Naini Allahabad (U.P.)

Winter Project
One month on the job training in HUDCO NIWAS on the topic “Analysis of the Market Trends in the Field of Housing Finance” executed at HUDCO BHAWAN, Indian Habitat center, Lodhi Road, New Delhi – 110003.

BEYOND CURRICULUM
- Participated in Symposium, Conducted by Dept. of Banking, Economics & Finance, Bundelkhand University, Jhansi (U.P.).

[Guest]

kindly let me back soon today.

sakshi mehta

[Guest]

CURRICULUM VITAE
PRADEEP KUMAR
EMAIL :pradeep.jhansi88 AT gmail.com

OBJECTIVE
To work in a competitive & challenging environment and add value to organization by applying my knowledge and acquired skills.
OVERVIEW
An effective communicator with excellent relationship building and interpersonal skills, strong analytical problem solving & organizational abilities .Possess a flexible & oriented attitude.
WORKING EXPIRENACE
Designation : Finance Incharge
Company :TATA motors Finance Ltd.Dealer Driven Business (B.H.P.C.)
In GRS Motors Pvt.Ltd.
Duration : June-2010 to continue.
Product : Auto Loan (CV)
Job Responsibilities
- Finance & Collection against Tata Motor Finance at GRS Motors Pvt.Ltd..
- Completing all the Documentation & submitting the file for Approvals Tata Finance.
- Increase dealer driven business.
- Give training & describe all the finance schemes to DSE.
- Handling Four Branches Finance & Collection (Orai,Lalitpur,Rath,Mahoba)
Designation : Sr. Finance Excutive
Company : Shri Ram City Union Finance Ltd.
Duration : March- 2008 to Dec-2010
Product : Two Wheelers & Consumer Durable Loan
Job Responsibilities
- Field Investigation of the customer.
- Describe & Collect all the paper formalities for finance.
- Completing all the documentation & submitting the file for approvals in Branch Office.
- Handling 10-15 Dealership.
- Help for the collection of the Loan EMIs from the customers.
Designation : Finance Excutive
Company : Citi Financial Consumer Finance Ltd.
Duration : April 2007 to Feb-2008.
Product : Consumer Durable Loan.
Job Responsibilities
- Describe all the paper formalities for finance.
- Completing all the documentation & submitting the file for approvals in Branch.
- Approval for loan & Delivery order.
EDUCATION
B.A. In Mass Communication Bundelkhand University Jhansi 2008-2010 2nd
Intermediate M.P.Board, Bhopal 2007 2nd
High school M.P.Board, Bhopal 2004 2nd
PROFESSIONAL QUALIFICATION
Currently Pursuing M.A. MassCommunication III Semester from Bundelkhand University Jhansi.
COMPUTER PROFICIENCY
Prerna course from Data Computer Education Center Jhansi.
Ms Office, MS Word, MS Excel, Internet Surfing.

[Guest]

Curriculum vitae

Vijyanand mishra
Email id-Vijaynand.mishra AT rediffmail.com
Vijyanand.mishra AT gmail.com
Carrier objective :—
To realize my potentials in challenging situation & develop my capability through this learning process I am dedicated & devoted professionally seeking a responsive job & develop my capabilities through this process.
Assets in me
Seif-confedence, excellent communication skill keenness for work awareness for responsibilities. Ability to work clammy even under pressure & harmony with colleagues’ .imaginative & enquiring stats of mind
Academic qualification :-
- Graduation from -Lalit Narayan Mishra university Darbhanga in(art) 2001-2002 with 58% marks
- intermediate from Bihar intermediate education council Patna in(science) 1995 with 63% Marks
- Metric from Bihar school examination board Patna in 1993 with 65% marks Personal details
- MBA From Bhatia institute of planning & management( Delhi)

Work experience :-
- FINANCE- SHRI RAM TRANSPORT FINANCE COM LTD,UDAIPUR, 3.5 YEAR
- PRESANT WORKING IN MAS FINANCIAL SERVICE LTD, UDAIPUR
NATURE OF JOB :--
- All responsively to related of financial work as funding, collection ,insurance of vehicle , sneezing & sold of vehicle
PROFESSIONAL SKILLS :-
- Willingness to work in any working condition.
- Aggressive professional nature
- Hobbies &interests
- Listening music, playing meeting people& improving knowledge
Modules covered :-
- Basic,windows,ms office(word, excel)
- Html,internate

[Guest]

CURRICULAM VITAE
PAWAN KUMAR GUPTA
Email- pgupta.prj AT tmf.co.in

Carrier Objective
I would like to pursue my career in an esteemed Organization where I can implement my skills, knowledge and intelligence. And make myself perfect and stable with continuous learning and self-development and achieve the highest pinnacle of success with determination and hard work.
Work Experience
COSTAL INSURANCE BROKERS PVT. LTD. UNDER (TATA MOTOR FINANCE) as an branch Insurance Coordinator from May 2009 to Sep 2011.
Job Profiles
- Co-ordinate with National Insurance Company Ltd. For the renewal of policy of CV, PC financed by TATA MOTOR FINANCE LTD.
- Parcel Loss & Total Loss Cases Settled For Insurance Company.
.
Present Working of INTELLECT SUPPORT SERVICES PRIVATE LTD UNDER (TATA MOTOR FINANCE) as on MOP From Sep 2011 to Till Date.
- Looking after the all the work related to file processing for generating BP, Opportunities for New/Refinance of Cars, MUV, Commercial Vehicle & CEQ.
- Looking after BP & Opportunities making Quote Loan regarding file processing for R.O. in operation and case booking at our CRU unit
- FI Reciving from FI agency and checking for correction related customer report
- Looking after FI Reciving from FI agency, FI submission in for their billing process & Reporting to the credit manager
- Looking after PDD, Invoice report, & RC punching in SAP
- Handle all types of front office related activities, like customer care, customer queries about relevant product and schemes.
- Checking complete files on the sales, credit and Operation for processing and generating Ro of Commercial vehicles, MUV and PC.
- Taking care of activities regarding fund disbursal to Dealer/Customer and case booking, pipeline casae and query resolving our CRU unit.
- Activites related to collection & banking, case termination, customer queries and complaint regarding all issues
Computer Proficiency
- Operating System
- MS-Office, (Word, Excel, Power Point), Internet :
.
Academic Background
- B.Com. Passed From 2006 From Gorakhpur University.
- M.Com Passed From 2008 From Gorakhpur University.
Personal Traits
- Ability to work hard, constancy, and loyalty to my organization.
Hobbies
- Frequently use internet for productive work.
- Playing Cricket, Listening Music.

[Guest]

job requirement
dear sir three year experience in bajaj finance ltd
so please if blank vecancie in your company
please provide rite job
thank,s & regards
ojha deenanath
gwalior

[Guest]

CURRICULUM -VITAE

DEENANATH OJHA
Email-deenanathojha AT rediffmail.com
Career Objective
To hone my talents in a manner that I grow professionally and maximize my capabilities individually and contribute to the best interest of the dynamic organization I work with.
Work Experience
WORK EXPERIENCE : Since 03/04/2008 TO TILL DATE
Worked with : Bajaj Auto Finance Ltd.
03 May to till date : Tansen road hajira Gwalior
Designation : Sales,Credit And opration
Job Profile :-
. Managing the finance activities in Gwalior and Dabra.
. Fully responsible for business development in entire region.
. Dealership enquiry management
WORK EXPERIENCE : 2th May 2007 to 1th March 2008
Worked with >HDFC BANK LTD , CITY CENETR GWALIOR
Designation : SR. TEAM LEADER (T.W.) FINANCE
Job Profile :-
- To maintain Relationship with customer & give him the best financial advice.
- PROFESSIONAL
MBA IS RUNING...(1ST SEM.)
MSc. FROM JIWAJI UNIVERSITY GWALIOR 2003
BSc. FROM JIWAJI UNIVERSITY GWALIOR 2001
HIGHER SECONDRY SCHOOL FROM MP. BOARD 1998
Academic Qualification :-
- One year diploma course in Computer application (D.C.A.)from jiwaji university

[Guest]

My name is sanjeev. My wife is working with magma from last 5 years at mohali punjab. We have applied for used car loan in your company. From last 2 weeks ur employes were making fool of us by saying that ur loan is approved but when we asked of payment today they said for new docments. All the documents are given to them which they asked even the bosses of my wife also approved the case from their end. Sir just think if you treate your employee like this then what you do with other customers who are not working with the company.

Kindly provide me the details to whom i contact to resolve the issue.
Regards

Sanjeev

[Unregistered]

RESUME
GOPAL SINGH CHAUHAN
E-mail : gops_singh AT rediffmail.com

Career Objective :
** To work in a dynamic organization which provides not only a congenial work environment but also challenges to hone skills and to bring out the best in me.

Work Experience :
** 5 Yrs. experience (2009 to Feb, 2014) in BAJAJ AUTO FINANCE LTD. as a post of D.M.A. at MEGHA BAJAJ, Faizabad Road, Lucknow.
** Presently I am working in also BAJAJ AUTO FINANCE LTD. as a post of CREDIT SALES MANAGER (C.S.M.) at SANTOSH MOTORS, Akbarpur, Kanpur Dehat.

Educational Qualification :
Examination Board/Univ. Year of Passing Division % Obtained
Graduation Lucknow Univ. 2003 IInd 49.77
Intermediate U.P. Board 2000 IInd 56.60
High School U.P. Board 1997 IInd 59.50

Professional Qualification :
** Six month’s Certificate Course in Computer Application from Shastri institute, Kapoorthala, Aliganj, Lucknow.
** Having good English Typing knowledge.

Strengths :
** Positive attitude
** Excellent interpersonal skills
** Ambitious

Personal Details :
Father’s Name : Mr. Sher Bahadur Singh Chauhan
Date of Birth : 12 February 1982
Category : General
Nationality : Indian
Religion : Hindu
Marital Status : Married
Languages Known : Hindi & English
Personal Profiles : Hard working, Honest & Punctual

Extra Curricular Activities :
** Internet surfing.
** Travelling

I declare that the information given above is true to the best of my knowledge.
Date : 09.04.14 (Gopal Singh Chauhan)
Place : Lucknow Contact No: 9559374712