SHIVRANJAN PANDEY

@ shivranjanp@gmail.com
Contact No.6392473990, What’s App no. 9161017766
BhaskarBhawan, Plot no. 35/36, Lane no. 17, Ravindrapuri,
Varanasi, U.P. – 221005

OBJECTIVE
 To obtain a challenging position in an organization that gives me scope to update my Skill and knowledge
according to the latest trends and to be a part of the team that dynamically works towards the growth of
organization.
STRENGTH
 Team player & positive thinking
 Honesty, punctuality, hard work
 Sincere in performing the assignment.

WORK EXPERIENCE
 I Worked in Axis Bank in Rural lending department finally relived on 26/Aug/2022 as Regional Sales Manager
(AVP) for Eastern UP I had a team of Six area Sales Manager, 25 RMs & 84 Supportive Sales Staff. During my
tenor, I grew the rural lending agree portfolio from 50 Cr. To 550 Cr.from 2014 to 2021. I use to appraised
KCC and working capital CC and OD (B2B and MSME) TO Individual farmers and firms, Starting from sourcing,
documentation and Loan disbursement, recovery, renewals and follow-ups I have also established individual
Gold Loan starting from valuer appointment, Sales team appointment in branches and Gold Loan Sourcing
and disbursement.
 I have also established Bayer Tie-up with Axis Bank for rural lending KCC.
 Use to attend regular meeting with NABARD functionaries, and SLBC & DLTC meetings regarding rural lending
business updates of Axis Bank in Eastern UP.
 Recovery follow-ups, renewals, portfolio housekeeping to control delinquency and improve portfolio quality,
to control attrition were my major KRA as well
 Total work experience with Axis Bank in present Role is 15-Years 10- months (DOJ-26/10/2006).

PROFILE HANDLED—

Joined UTI as an executive on 26th Oct-2006 at Samana Patiala, Patiala Agri Cluster under Mr. Dasha Majhi. Worked
as an executive fron 26th Oct-2006 to May-2010.

Transfred to Malerkotla, Sangrur Punjab as an agr RM on Nov-2006.

As an Executive, major KRA was Retail Agri Month wise and YTD budget achievemen, Portfolio maintenance including
recoveru follow-ups, review renewals, lead bank meeting, MIS preparation, to ensure clear branch audit of advances.
Completing pendencies if any, control delinquency, customer retention. Control attrition, insurance cross sell as well
CASA cross sell targets YTD must get achived.

Govt sponsored schemes like SHG and PMRY were to be taken care of.

Promoted to Deputy Manager through internal exam and interview process and in same year bank had promoted all
DM to Manager.
In year 2010 promoted to Senior Manager as Achieved Top rating under all Parameters and absolute Retail agri of
my assigned Malerkotla Grew to 48Cr with NIL Deliquency. Cross sell business was Over achieved with 120% Life
Insurance Budget. Accidental Shield budget was consistently achived in each Year with aroud 200 CASA around by
self each Year.

In Year 2013 promoted to AVP, Retail Agri under Mr.Chanpreet Kalra as ABC Chandigarh Head.In CO Venkateshwar
Sir and Raul Rebelo where Nation Head, Business Head .

Promoted and Assigned Sangru Clusterhead, under Chandigar Agri Business Centre and Mr. Sandeep Matur, VP were
my ABC head ,in year 2010 from June took care of 4 district Branches, Sangru, Barnala, Mansa, Bhatinda of around
10 metro branch and latter 14 Rural ranches were added. 5- RM were reporting to me. Handles this position from
2010 to 2014 till May and Grew the Cluster with B2C incremental of 320 Cr, B2B mainly Arthia Business Loan to 60
Cr. Cross sell budget including CASA and Insurance were overachieved.

In May 2014, took request transfer to Lucknow ABC under Mr. Jeetendra Singh Rawat, DVP(Now VP and Zonal Head
of Punjab region). Joined as Area Sales Manager in Lucknow from 2014 to 2018. In starting Retail Agri portfolio of
Lucknow ABC was 85 Cr including Retail Agri & B2C(45 Cr B2C+40Cr B2B). 5- RM, One at Gorakhpur, One at Basti,
One At Bahraich, One At Sitapur, One at Lakhimpur were reporting to me. In 2020 promoted as RSM Rural Lending
and earlier 3- ASMs where reporting to to me with 20 RM and 25 outsource staff. Took care of B2C, B2B and MSME
and Cross sell as CASA and Insurance.

While my profile as ASM an then RSM in UP, I have promoted Retail Agri Business, Gold loan Business in Distt like
Lucknow,Sitapur, Hardoi, Lakhimpur, Gola, Palian, Bahraich, Balrampur, Unnao,
Raibareli,Barabanki,Faizabad and entire Lucknow, Raibareily, Allahabad, Pratapgarh, Kunda,
Jagdishpur, Chuna, Mirjapur, Obra, Robertsganj, Chandauli, Jaunpur, Machlisahar, Gopiganj,
Gazipur, Azamgarh, Mau, Ballia, Rasra, Gorakhpur, Padrauna, Deoria, Bansi Basti, Khalilabad,
Ayodhya, Naugarh and Bansi and attached 160 Branches and activated them in said business.
While handling in year 2021 till 2022 as RSM role, 6 ASM, 25 RM and 84 field staff used to report
me.

YOY growth last year reported was 30% for Rural Lending in UP region.

I have created three Credit and Operations hub, one at Lucknow, Allahabad and Gorakhpur and
appointed Credit and Operations staffs to expedite entire sanction and disbursement process.

Shikhar 2.0 a Sales Process for fast login and decision of proposal was implemented. Scan based
disbursement process to expedite fast disposal and improve TAT were also implemented
successfully.

 Last CTC-16.5lacs.
KEY WORKING AREAS AND ASSIGMENTS HANDLED-

Worked in coordination with CO team,( underwriting and product and risk team) and implemented
Areas and Location specific requirements to modify product norms for more business acquisition. Share
and allocate budget to branch Channel after consent with Branch Banking Cluster Heads and Circle
Functionaries. Formulate branchhead KRA as per branch assigned and potential. Branch rural lending
yearly budget gets rolled out in May. Dedicated staff allocation and each branch training were always
taken care of.

More focus on retail loan Like individual KCC, OD and Goldloan were always given to mitigate risk and
more profitability as having higher pricing.

We always reviewed and monitored closely regarding budget assigned and progress of same specially
for Rural Unbank branches so that a healthy and productive portfolio could be built and branch could
generate good revenue and cross break Even within a year after opening.

To facilitate the same, monthly meeting with Branchhead on team or physically along with Clusterhead
and Circle functionaries were made. Branch profitability data were always been shared with Branch
banking team and contribution of Retail agri was always reviewed and emphasized.

Proper budgeting of product of Rural Lending in coordination with CO team at PAN India and Regional
Level were done. Annual, meeting with CO functionaries with detail discussion about budget allocation,
fee income, pricing, logins, disbursement, book budget, FPD, PNPA resolution and renewal budget and
Cross sell budget for CASA, Insurance, Accidental Shield are discussed and distributed to Area and Agri
RMs .

Budget allocation for Sales Process, Product, Unit manpower, Capital Budget for new locations and
centres, for cash flow, cost cutting, future expenses, marketing budget, project budget and expenditure
budgets, pricing and cost effective process were discussed and distributed annually to Regional team.

Quarterly discussion of AUM(Asset under Management) with Sales Head and steps to maintain higher
AUM for higher Rating of Bank were done. Products are designed and made so simple that same could
be sold by each branch team which are equipped with Agri Sales team and processes to facilitate fast
disposal. B2B , MSME have made separate verticals for more focus. KCC and Individual OD and Samarth
with ticket size starting from 25K upto 15Cr as per eligibility were designed and promoted PAN India.

Emphasized on basic Sales Input, lead no, login nos as per CRM and Shikhar MIS, over all disbursement
MOM, Book growth on MOM, branch activation, resource activation are rolled out each month and
reviewed. While sourcing LTV slab and income multipliers were designed to mitigate risk as per
customer profile and financials provided. Pricing, delinquency, FPD, PNPA renewal and Recovery and
Customer Attrition were part of KRA.

FCU, fraud Control team were established by the bank. ASM, RSM must regularly meet the FCU team
and decide and implemented processes and checks to mitigate risk at the time of sourcing only. Separtae
credit and Operation verticals were designed for smooth under writing task and post sanction
documentation and disbursement process. Portfolio quality, timely renewal, TAT during sanction and
disbursement all these parameters are made as part of KRA for Credit and Ops team and Sales team as
well.
As portfolio grew considerably , so we have appointed a separate portfolio manager under Each ASM for
better reach and follow ups for review renewals and recovery follow ups. Although same was also the
KRA of Agri RM. Charge creation on land was duly being verified by RM and advocate and each RM must
submit Post disbursement followup report yearly.

For Commodity Business too, prior visit of Godown and FCU Clearance were made mandatory. Pre Stack
funding and funding in Godown having machineries were Stopped and avoided.

Regular meeting with DLTC and SLBC meeting at Area and State Level and Annual meeting with NABARD
functionaries were conducted. During Rinn Mochan Yojana, regular MIS sharing in detail to DLTC and
SLBC team and Loan waiver to eligible farmers were provided. As portfolio grew considerably then CO
team has appointed Digital Manager having exclusive KRA for Said Role.

EDUCATION

Eductaional Qualification-

D e g r e e College/University Percentage Division Year Of Passing S u b j e c t

M.Sc (Food Technology) Allahabad University 7 4 First 2006 Food Technology
B.Sc. (Agriculture) B H U 8 0 First 2003 Agriculture
1 0 + 2 Central Hindu Boys School 6 3 First 1997 Science Group
1 0 t h
Central Hindu Boys School 5 2 Second 1995 Science Group

 Allahabad University, Prayagpraj

M.Sc (Food Technology)
2006
1st Division,74%
 Banaras Hindu University, Varanasi
B.Sc. (Agriculture)
2003
1st Division, 80%
 Central Hindu Boys SchoolVaranasi
1997
Intermediate
1st Division, 63%
 Central Hindu Boys School Varanasi
1995
High School
2nd Division, 52%

PERSONAL INFORMATION
 Father Name – Shri Krishna Kumar Pandey
Mother Name – SmtKantiPandey
DOB – 30th Sep 1980
Gender – Male
Marital Status – Married
Nationality – Indian
Gender – Male
 Language known – Hindi English &Punjabi

 Declaration: - “I hereby declare that the details and information given above are complete and true to
the best of my knowledge”

Dated-23/01/2023
Signature
Shivranjan Pandey