ACHUKATLA BABA FAKRUDDIN

House no.17/196, New Amrutha nagar OPP:Minority Hostel,Maddur Road ,Proddutur ,Kadapa dist,pincode:516360
Contact: 919373648824, 8328249709 Email: a.babafakruddin@gmail.com

FINANCE / RELATIONSHIP PROFESSIONAL

To work efficiently and effectively in a competitive environment on challenging assignments that shall yield the twin benefits of job
satisfaction and a steady-paced professional growth to support and enhance co-operative objectives of the organization.

PROFILE SNAPSHOT

 Around 16+ years of experience in Financial Service Industries (Rural Development service).
 Working with HDFC BANK LTD as Relationship Manager,( Manager grade) Retail Agri Lending for
Proddatur Branch in A.P State.From proddatur july-2016 to till date. In Hdfc bank experience from
july-2011 to till date.
 Associated with 5years in HDFC BANK LTD as UNIT Manager,(Manager grade) SELF HELP GROUP,
JOINT LIABI;ITY GROUP (SUSTINABLE LUVELIHOOD INTIATIVE)Lending LATUR DISTRICT
Branch in MAHARASHTRA State.
 Associated with 04 years in TRIDENT MICROFIN PVT LTD as Unit Manager handling in Hyderabad
in Nampally ,Mehdipatnam,saidabad, Golkonda, Balapur,Yusufguda,Punjagutta Branches in
Telamgana State.
 Associated with 06 years in SHARE MICROFIN LTD as Branch Manager various locations in Kurnool,
Rangareddy Tandur, Mahaboobnagar distics
 Expertise in identifying credit needs of Agricultural and Agricultural Allied Activities, Accessing the
feasibility of loan proposals, Pre and post Sanctioning Loan Documents, Loan Monitoring, Recovery,
Legal, operations and supporting branch profitability.
 Managing Portfolio with 100% Interest serving, Effectively Controlling of LNPA& NPA’s
 Good interpersonal communication, Good team member skills, Self Motivator.
 Strong organizer, motivator, team player and a decisive leader with successful track record in directing
from original concept through implementation to handle diverse market dynamics.

Core Competencies
Loan - Sales, Disbursement & Management  Cross Sales  Customer Relationship Management  Query
Resolution  Strong Analytical & Interpersonal Skills  Team Management  Policies & Procedures 
Competition Analysis  Risk Control  Business Development

PROFESSIONAL EXPERIENCE

HDFC Bank Ltd Shg-jlg funding lending

Role: UNIT MANAGER July 2011 to july -2016

PROFESSIONAL OVERVIEW
 Responsible for putting up cases for new loans and top-up loans as per outlined scheduled every
month.
 Monitoring accounts i.e. Cash flows, repayments, account behavior, compliance with contracts
  Specified in the terms of approval and ensure that portfolio is within the acceptable credit &amp
compliance standards
 Monitoring accounts as per guidelines and regulations of anti money laundering process.
 Monitoring exposure/portfolio on a regular basis to ensure the portfolio is maintained within good
standards
 Accompanying fos in following up with customers for obtaining various documents required for
disbursement renewal of loan facilities/ resolving document deficiency etc
 Keeping updated information of client files so that they reflect the current status .
 Coordinating with key partners and maintain good working relationship with crops and internal
&amp
 Ric department coordinating with support staff for getting cpv checks done for new as well as renewal
cases
 Working closely with the other sales teams in the bank in order to maximize cross
 Sell opportunities
 Filling loan application form, security inter se agreement and maintaining credit files un proper
manner
 Provide market feedback and business trends
 Conduct survey in the operating area either independently or with available resources (fos).
 Analyze the data and provide meaningful information to senior management
 Uninterrupted operation and in the same time project excellent image of the company.
 Guide and mentor the fos and thereby optimize effectiveness and efficiency. Conduct timely
 Appraisal and provide feedback to the fos while identifying the training and growth need of the fos
 Visiting fields frequently and ensure that there is 100% process adherence and compliance ,Conduct the
borrower eligibility test (bet) and approve the jlg loans after the completion of Sourcing by the field
officers in fair and unbiased manner after appraising the strength and Merit of the proposals
 Appraise individual loan proposals while meaningfully interviewing the applicant and guarantors.
 Ensure that due diligence, kyc and counterparty check is done in later and spirit
 Ensure excellent back office function with regards to transaction processing, internal audit, timely loan
disbursal, cash management.
 Analysis of mis reports and providing necessary information to senior management team regularly
 Develop the branch business plan and achieving business/sales target of various financial products
introduced by the bank
 Sourcing groups jlg,mgml, shgs direct lending and bank linkage programme
 Saving account openings,recuring deposits also collected
 Working as bda also and authorizing all a/c opening forms and rd forms ensuring zero ftnr.
 And cross selling all products of bank.
 Handling team for sales, collections and managing credit team, wholesale banking, branch
 Banking ,operations dept,ric team,telecalling team,cpu team
 Maintain sales and collections handling through pos
 Quality portfolio maintained

Team Management

 Recruiting, leading, mentoring monitoring the performance of team members to

 ensure process efficiency and meeting of individual group targets.
 Undertaking database compilation from various sources and identification of target
  segments based on the product features.
 Creating and sustaining a dynamic environment that fosters development
 opportunities and motivates high performance amongst Team members.

HDFC BANK LTD

Role: RELATIONSHIP MANAGER July 2016 to till date

 Responsible in Handling Retail Agri Lending in Kadapa district.

 Source business from agri individuals (both Progressive farmers and for their Crop and term loan
requirements and Maintain the existing portfolio
 Mange sale of products like Kisan Gold Card, Small Agri Business loans, Traders Cash credit to agri
individuals of trading enterprises..
 Preparation and execution of facility documents, security creation, ensuring proper stamping of the
documents as per the respective State Stamp Act and disbursements of Retail Agri loans
 Coordinating with Branch Channels for generating the business and ensure lead generation is done
from these channels regularly and the same are mentioned
 To ensure TAT is adhered to from the point of sourcing to the point of disbursement for all the cases.
 Coordinating with Depts. like Credit, CPA, CPV, RIC and Ops and Branch channels for smooth run of
the business.
 Undertaking periodic post disbursement visits to the borrower/work place/field/storage structures.
 Review/Renewal of accounts in the system in coordination with sanctioning authority.
 Facilitating the audit requirements of various departments and swift rectification of irregularities
pointed out by the audit.

Portfolio Management:
 Responsible for Managing the healthy portfolio 18.00 crores
 CAM Renewals, LAD Management, Interest Serving with in the time, Rotations, CAM renewals, LAD
Management, and MIS to the Management.

Team Management:
 Managing the Team of 8 (Sales Officers and Executives ) for Development of business and portfolio
management

Collection Management:
 To effectively follow up on the cases with customers on Rotations, Interest Serving, Renewals.
 Coordinating with the collection Dept for Effective collections and reduce the LNPA and NPA’s and
Regular Demand.
 My NPA rate is 2 % out of 20 Crores portfolio

Trident Micro fin pvt ltd

Role: Area Manager July 2007’ to june-2011

 I have been appointed as in charge for Hyderabad Area.

 I have responsible for 32 crores of entire Hyderabad cluster portfolio.
  I have implemented different techniques for collection of over dues with prior approval by the
management.
 I have driven my Team with positive and “CAN DO” Attitude , My Team size would be Total 36 (On-
roll staff -30 and off roll -06 )
 As a team we conducted Motivational sessions with customers and Legal tool to recover the over dues.

Role: Unit manager:

 Handling a team of 06 Branch managers, 30 Field Associates with the revenue/profit accountability.
 Business development within the assigned territory by survey of new regions including study of
demand, preparing business plans, planning for infrastructure, human resources, establishment of unit
office, etc.
 Loan Appraisals -Credit to the Rural Business client for any economical purpose
 Group loans : Micro Group loan for Agriculture investment purpose and for Activity bases working
capital Purpose
 Jlg Loans and Microe enterprise loans, small crop loans : In this product deal with
 individual borrowers according to activity and their credibility. Assessing and analyzing
 risk in the credit proposals before sanctioning and disbursement
 Monitoring branch operations, business planning and forecasting for credit
 Regular and close follow-up of the overdue loan accounts to reduce the delinquency rate.
 Responsible for Customer Relations & ensure their satisfaction
 Effectively handled a customer base of 10000
 Establish collaborations and relationship building with various Micro Finance Institutions
 Maintain staff by Selecting, Recruiting, Orienting, and Training employees and Back Office Operations,
MIS and accounting through computers.
 Enforcement and adherence of the company credit programs and policy at the branch level.
 Handling customer complaints, queries and providing them the best service in the mutual harmony.
 Responsible for monitoring, managing, maintaining quality asset portfolio for retail business.
Notable Achievements
 Build team with consisting of 6 Bms and 30 Associates 02 districts in the period on One Year.
 Done Credit Business achievement 10000 customers out of 7500
 Having good collection Efficiency with 99.2% in entire Location and compared its 1st position in
Cluster wise.

Share Micro fin Ltd

Role: Branch manager Dec’2001- June ’2007

 Visiting fields frequently and ensure that there is 100% process adherence and compliance every time.
Must conduct surprise field visits and ensure things are in place.
 Conduct the Group Recognition Test (GRT) and approve the JLG loans after the completion of CGT by
the Field Officers in fair and unbiased manner after appraising the strength and merit of the proposals.
 Appraise individual loan proposals while meaningfully interviewing the applicant and guarantors.
Ensure that due diligence, KYC and counterparty check is done in later and spirit.
 Ensure high portfolio quality with 100% repayment every time. Meeting the customer, group members,
and guarantors immediately as soon as any delinquency is noticed and resolve the issue while
addressing it timely.
  Ensure portfolio diversification geographically and demographically and thereby reduce concentration
risk in his portfolio.
 Training of the FO and line staffs on different products and process and ensure that they are
knowledgeable and empowered enough to handle the portfolio.
 Providing market intelligence information to the senior management pertaining to competition, product
features and competitive strategy of the competitors. Identify the need and demand of innovative
financial products from the customers while continually interacting with them.
 Ensure excellent back office function with regards to transaction processing, internal audit, timely loan
disbursal, cash management.
 Analysis of MIS reports and providing necessary information to senior management team regularly.
 Develop the Branch business plan and achieving business/sales target of various financial products
introduced by the company.
 Team Handling with 08 to 10 members of the field officers
 Group and Microenterprises loans, Business Loans Lending Monthly
Achievements:
I have been awarded by National Sales Manager with ‘NSM Wow award 01.quality portfolio award 01 ‘Silver
star award (2times in FY-2014-15 and 5 times in FY-2015-16)for my significant contribution for the growth of
business .

EDUCATIONAL CREDENTIALS
Master of Business ADMINISTRATION (Banking & Finance from Affiliated to Algappa University
Karaikudii in T.N.Year 2010.
B.com. from AMBEDKER University, HYDERABAD in 2001
Intermediate from Ambedker junior college Tandur from board of intermediate in year1994-1996.
SSC from Vasantapeta High school Proddatur in the year 1993
Technical Skills Set
Windows 2000 / 07, MS Word, MS Excel, MS Power Point,
Language Known: English,Telugu, Hindi, Marathi.
References: Available on Request

Personal Details

Father’s Name Achukatla Mahaboob Shareef

Mothers Name Achukatla Jahara Bee

Date of Birth
10/05/1978

Married
Marital Status

House no.17/196, New Amruthanagar Opp Minority Hostel,Maddur Road ,

Residential Address Proddutur ,Kadapa dist,pincode:516360
Yours sincerely,

Achukatla Baba Fakruddin

Place: Proddutur

Date: 11/09/2017