Amar K Srivastava
Deputy Area Manager @Bajaj Finserv
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WORK HISTORY
Deputy Area Manager @Bajaj Finserv
Ranchi, IN
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 ManagementDriving 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 & DevelopmentManaging 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 GrowthIdentifying 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 ManagementEnsuring strong collection efficiency and minimizing delinquencies.Monitoring and improving credit quality through risk assessment and customer profiling.5. Stakeholder & Compliance ManagementCoordinating 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
EDUCATION
Manipal Academy of Higher Education
PGDI, Banking and Financial Support Services
ABOUT AMAR K SRIVASTAVA
I am an Area Manager at Bandhan Bank, currently handling the Ranchi Cluster with responsibility for end-to-end MSME and Business Banking operations. I work across Unsecured and Secured Business Loans, Cash Credit (CC) and CGTMSE-backed lending, with a strong focus on sustainable business growth, portfolio quality and early-stage collections.I lead branch and DST operations, manage SME portfolios across Regular, SMA-1 and SMA-2 buckets, and closely coordinate with sales, credit, operations and collection teams to ensure disciplined execution, risk control and customer-centric outcomes. With strong ground-level exposure and people leadership experience, I believe in driving growth with accountability, compliance and long-term value creation.
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