Binai Kumar Singh
Finance & Operations Professional | Branch & Cluster Management Expert
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Professional Profile
Career Objective
Seeking a challenging and rewarding opportunity with an organisation of repute which recognises and utilises my true potential whilst nurturing my analytical and technical skills in the finance sector. My goal is to build a career that contributes to organisational development whilst achieving personal success through dedication and hard work.
I am a well-organised and efficient professional who thrives under pressure in any environment. With impressive work ethics, strong communication abilities, and a keen sense of duty and responsibility, I approach every task with enthusiasm and positivity. I believe in facing every challenge as an opportunity to prove my worthiness and achieve excellence.
Core Competencies
  • Branch & Cluster Management
  • Sales & Operations Leadership
  • Business Development & Client Relations
  • Financial Transaction Management
  • Team Leadership & Motivation
  • Compliance & Audit Management
  • Customer Experience Excellence
  • Cost & Profitability Optimisation
Professional Summary
Leadership Excellence
Led pivotal leadership positions in branch operations, spearheading entire sales and operations functions whilst forming the bedrock for steady retail growth through business development.
Financial Operations
Ensured smooth flow of financial transactions at branch level, interfacing with key accounts and customers to establish and strengthen relationships for sustained business growth.
Compliance Management
Maintained strict compliance with all organisational policies and procedures, including audit, statutory requirements, and daily operational reports across multiple parameters.
Throughout my career, I have demonstrated expertise in managing new acquisitions, cash retention limits, lending loan operations, overdue accounts follow-ups, vault custodian operations, and premises upkeep. I have consistently taken proactive action to ensure profitable and ethical business practises whilst ensuring all branch staff remain aware of NBFC products, processes, and various RBI policies regarding customer services and compliance.
My leadership approach focuses on developing and maintaining long-term customer relationships to achieve high retention rates whilst generating new business. I have successfully managed JLG loan disbursals, business loan disbursals, cash and NEFT movements, deposits, and cash closing procedures in accordance with established norms. Through strict adherence to quality standards, I have achieved significant reductions in errors reported in branch rating modules and audit reports, consistently delivering satisfactory audit ratings with minimal critical exceptions.
Current Role: Cluster Manager
Spandana Sphoorty Financial Limited | Hansdiha/Godda Cluster | December 2024 - Present
01
Multi-Branch Oversight
Responsible for overseeing a group of 5+ branches to ensure they meet performance and financial targets through effective sales, operations, and team management.
02
Strategic Development
Developing and executing sales strategies, managing staff, ensuring compliance with regulations, and maintaining operational efficiency to drive revenue growth and client acquisition.
03
Team Leadership
Managing and leading a team of Branch Managers and sales executives across multiple branches, providing guidance, training, and performance evaluations to boost team productivity.
04
Performance Monitoring
Tracking performance on key parameters such as conversion rates, product mix, and persistency whilst conducting regular performance reviews and providing constructive feedback.
Strategic Initiatives
  • Implement sales strategies for loans, insurance, and financial products
  • Foster positive team culture with recognition programmes
  • Support talent attraction, retention, and development
Operational Excellence
  • Coordinate with sales, collections, and credit departments
  • Ensure adherence to control and compliance guidelines
  • Monitor and analyse performance against business plans
Reporting & Analysis
  • Report performance to Regional Head and senior management
  • Conduct regular performance reviews
  • Track conversion rates and product mix metrics
Branch Manager Experience
Spandana Sphoorty Financial Limited | Rajdhanwar | June 2018 - November 2024
Team Leadership
Led staff of 20+ personnel by implementing comprehensive training programmes, engaging in proactive problem-solving, and ensuring company compliance across all operational areas.
Operations Supervision
Supervised staff in operations including account management, customer service, financial operations, and other critical branch functions to maintain excellence.
Financial Oversight
Monitored all balances and deposits to ensure complete accountability of all funds in the bank and verified that proper procedures were consistently followed.
Key Responsibilities & Achievements
Profitability Management
Maintained and optimised profitability for the branch through strategic cost management, including managing branch operating costs, cost of acquisition, and operational expenses.
Target Management
Set and monitored branch targets in both numbers and volumes, ensuring sales volumes for multiple products whilst maintaining sourcing quality and underwriting diligence to meet targets.
People Management
Motivated team members, handled HR and administration functions, managed and mentored the team to keep attrition low, and conducted regular meetings with branch staff.
Customer Experience
Ensured superior customer experience, handled customer concerns effectively, and provided open and honest feedback whilst encouraging feedback from team members.
Personal Achievements & Expertise
5Cr
Mirzaaganj Branch
Successfully handled 5 crores outstanding branch when charged as Branch Manager at Mirzaaganj Branch, Jharkhand
13Cr
Gawan Branch
Effectively managed 13 crores outstanding branch as Branch Manager at Gawan Branch, Jharkhand
20+
Team Size
Led and developed teams of 20+ personnel across multiple branches with focus on training and performance
Areas of Expertise
Branch Operations
Comprehensive expertise in managing all aspects of branch operations, from daily transactions to strategic planning and execution.
Cash Management
Proficient in cash retention limits, vault operations, cash and NEFT movements, deposits, and closing procedures according to norms.
Loan Operations
Extensive experience in JLG loan disbursals, business loan disbursals, and managing lending operations with focus on quality and compliance.
Client Relations
Expert in client approach for standard and overdue borrowers, cross-selling various loan types, and maintaining long-term customer relationships.
Performance Monitoring Excellence
Throughout my tenure, I have consistently monitored branch performance across key drivers including contributed value volumes, profitability, expenses, losses, employee retention, employee productivity, and customer experience. I have tracked individual performance of each employee, providing regular feedback and recognition to drive excellence. My focus on reducing errors in branch rating modules and audit reports has resulted in satisfactory audit ratings with minimal critical exceptions, demonstrating my commitment to operational excellence and compliance.
Technology & Production Management
Option Town Software | Production Manager | Pitampura, New Delhi | June 2014 - September 2016
Server Management
Defined, proposed, and implemented Amadeus/Sabre server production with new technology costing models and budget analysis.
Operations Management
Managed all activities within the production process, including maintenance of airline servers and preventing server downtime.
Team Leadership
Managed all teams within production department covering network, servers, WAN, and LAN operations.
Business Growth
Focused on growing business and revenue by implementing necessary changes to production lines for Amadeus, Sabre, and Travelport.
Key Responsibilities
  • Managed and supported SHEQ initiatives and objectives across the production environment
  • Handled airline servers and maintained them in active state to prevent downtime
  • Analysed server budgets and continuously controlled production costs
  • Identified and rectified waste measures to improve operational efficiency
  • Created and implemented organisational and production changes at operative level
Technical Expertise
  • Amadeus server production and management
  • Sabre system implementation and maintenance
  • Travelport technology integration
  • Network and WAN/LAN operations
  • Cost optimisation and budget management
Skills & Strengths
Professional Skills
Critical Thinking & Problem Solving
Excellent critical thinking capacity with proven ability to solve complex problems efficiently and effectively.
Communication Excellence
Skilled in both written and spoken communication with strong interpersonal and team-building abilities.
Leadership & Management
Demonstrated leadership skills with ability to motivate teams, manage multiple tasks under pressure, and drive performance.
Adaptability & Work Ethics
Exceptional versatility and adaptability with strong work ethics, dedication, and drive as a hard-working individual.
Core Strengths
Performance Under Pressure
Adept at performing under pressure or on tight deadlines whilst maintaining quality and accuracy in all deliverables.
Team Collaboration
Able to work independently or as part of a larger group, fostering collaboration and achieving collective goals.
Organisational Excellence
Good organisational skills with ability to manage multiple priorities and maintain systematic approaches to work.
Innovation & Learning
Innovative mindset with strong learning ability, good observation skills, and proactive approach to challenges.
Negotiation Skills
Excellent negotiation and persuasion abilities with strong social skills and computer proficiency.
Academic Credentials & Achievements
1
PGDM/MBA (Finance) | 2016-2018
Indian Institute of Business Management, Patna, A.I.C.T.E. (New Delhi). Completed Summer Internship Project on Financial Ratio Analysis at POWERGRID Corporation of India Limited, RHQ, Patna.
2
Bachelor of Commerce | 2011
Sambalpur University, Odisha with Distinction. Demonstrated academic excellence and strong foundation in commerce principles.
3
C-Net (Hardware & Networking) | July 2009
Completed from C-Net with A+ Grade. Received Certificate of Merit in both groups, including software (completed parallel with Graduation).
4
Higher Secondary Certificate | 2008
Council for the Indian School Certificate Examinations (ISC), M.G.M English School, Orissa.
5
Secondary School Certificate | 2006
Indian Certificate of Secondary Education (ICSE), M.G.M English School, Orissa.
Scholastic Achievements & Activities
Professional Development
  • Attended National Seminar on Road to Excellence at Dr. Zakir Hussain Institute, Patna
  • Participated in First National Management Seminar at ASBM, Bhubaneswar
  • Actively participated in Entrepreneurship Awareness Drive'17 conducted by Entrepreneurship Cell, IIT Kharagpur
Cultural & Extra-Curricular
  • Participated in Powergridians Dance Competition held at Hyderabad
  • Took active part in various cultural events during graduation and post-graduation
  • Engaged in various management seminars and leadership development programmes
Personal Information & Interests
Personal Details
Date of Birth: 28th January 1990
Blood Group: B +ve
Languages: English, Hindi, Oriya
Family
Father: Kameshwar Singh
Mother: Mrs. Indu Devi
Siblings: Manoj Kumar Singh, Deepak Kumar Singh
Hobbies & Interests
When I am not at work, I enjoy a range of hobbies that allow me to explore different facets of my personality. Perhaps the greatest of these is my passion for surfing the internet. I am quite keen on technology, and I enjoy browsing for the latest technological developments to enhance my skills and stay updated with industry trends.
In addition to surfing and browsing, I enjoy exploring gadget products that allow me to explore my creative side and understand emerging technologies. This interest in technology complements my professional expertise and helps me stay ahead in the rapidly evolving financial services sector.
I also regularly volunteer to lead local socialistic aid initiatives for high school students who are interested in social work and NGO welfare activities. This allows me to give back to my community and utilise my familiarity with friends, family, and neighbourhoods to make a positive impact. Through these volunteer activities, I mentor young individuals and help them understand the importance of social responsibility and community service.
Contact Information
Address: 453, Indu Niwas, Gola Road, Patna, BR 801503
Mobile: +91-9472641134
References: Available on Request
Date: 31st October 2025 | Place: Patna, BR
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