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SANJAY KUMAR GAUR

SANJAY KUMAR GAUR

Followers of SANJAY KUMAR GAUR863 followers
location of SANJAY KUMAR GAURKolkata, West Bengal, India

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  • Timeline

  • Skills

    Credit
    Mis
    Team management
    Loans
    Underwriting
    Risk management
    Management information systems
    Risk analysis
    Portfolio management
    Finance
    Talent acquisition
    Analysis
    Management
    Credit analysis
    Credit appraisal for auto loans and tw loans
    Training
    Credit risk
    Relationship management
    Banking
    Financial risk
    Business development
    Vendor management
    Cross selling
    Financial analysis
    Business strategy
    Customer relationship management
    Leadership

  • About me

    Having over 16 yrs experience in Retails Asset Finance Industry like ICICI & FamilyCredit Ltd, Capital First Ltd. Gathered experience in Credit appraisals, Document verification, Rejection Analysis, Customer Profile Analysis,Involved in formulating and implementing risk control and credit management strategies. Currently involve in Marketing and Business relationship for Two Wheeler.

  • Education

    • RAJA PEARY MOHAN COLLEGE

      1999 - 2001
      B SC BIO SCIENCE

      Activities and Societies: 'C' Certificate Holder in National Cadet Corps from 1 Bengal Naval NCC unit. Selected for Best Candidate from West Bengal in Naval NCC unit for Nausainik Camp 2000.

    • RISHRA VIDYAPITH

      1995 - 1998
      Higher secondary Science

  • Experience

    • ICICI Bank

      Jul 2003 - Jun 2007

      The Key result AreasManagement of Processing to disbursement of files:• Managing CPA Team to improve Business volumes.• Pre disbursement activities of financing through APS system• Documentation, income calculation of front end before loan sanction, Bank statement analysis• Documentation, loan agreement checking at back end and quality checking before loan disbursal and• Sending Various MIS to Channel, Dealer point and regional credit manager and others.• Interacting with Sales Executives for channel cases. Show less

      • Team Leader

        Dec 2003 - Jun 2007

      • Sales Coordinator

        Jul 2003 - Nov 2003

    • FamilyCredit Ltd

      Jul 2007 - Mar 2012

      Currently handling Credit appraisals & Risk Analysis for Auto Loans & TW of South locations like Bangalore,Belgaum,Culicut,Hyderabad,Mysore,Poncycherry,Vizag,Vijaywada, Thrissur, Trivandaram from Bhubaneswar Underwriting HUB. Having experience of East Location also in the same company.The Key Result AreasCredit Management (Risk Analysis/ Credit Approval) Appraising credit proposals & judging appropriateness of relevant documents for risk mitigation before sanctioning.  Performing the functions of assessing creditworthiness of clients. Checking validity and authenticity of the documents furnished by customers. Policy Training• Regular credit policy trainings to executives to ensure quality files.• Interactive training classes and meetings to clear policy related confusions.Analysis• Preparing and maintaining Branch MIS.• Analysis of Cases-Login and disbursement analysis, rejection analysis Show less The Key Result AreasRisk Management (Risk Analysis/ Empanelment of Vendors): Empanelment of all products Dealer/DSA of Pan India branches. Empanelment of all Field Verification agencies/Valuation agencies of Pan India Branches. Maintenance of Tracking of Used car RC limit tracker of Pan India branches. RC limit approval process for used car Dealer/DSA. Monitoring of Pan India negative area list. Visiting different branches of India for training Purpose. Credit Policy analysis for all products after disbursement. Tracking of Delinquency & rejection review meeting for Pan India branches. Show less

      • Asstt Manager-Credit

        Sept 2010 - Mar 2012

      • Officer-Credit

        Aug 2008 - Aug 2010

      • Team Leader

        Jul 2007 - Jul 2008

    • FamilyCredit Ltd.

      Aug 2008 - Jun 2012
      Manager-Credit

      Currently Managing the well established Team of Credit appraisals & Risk Analysis for Auto Loans,TW & Loylty Pl of West & North Location like Ahmedabad, Surat, Vadodara, Rajkot, Pune, Ahmednagar, Aurangabad, Kolhapur, Solapur, Indore, Bhopal, Jaipur, Jodhpur, Udaipur from Centralized Hub Bhubaneswar. Apr’12- Till date : “FamilyCredit India Limited”Designation : Manager Underwriter Job profile : Credit & Process. Location : Centralized Hub-BhubaneswarThe Key Result AreasCredit Management (Risk Analysis/ Credit Approval) Appraising credit proposals & judging appropriateness of relevant documents for risk mitigation before sanctioning.  Performing the functions of assessing creditworthiness of clients. Checking validity and authenticity of the documents furnished by customers. Policy Training• Regular credit policy trainings to Junior Underwriter to ensure quality Underwriting.• Interactive training classes and meetings to clear policy related confusions.Analysis• Preparing and maintaining Branch MIS.• Analysis of Cases-Login and disbursement analysis, rejection analysis. • Nonstarter Analysis. Show less

    • Capital First Limited

      Jul 2012 - May 2023

      Credit appraisal for East-TW loans.

      • Territory Manager-Sales

        Jun 2017 - May 2023

      • Manager Sales-Two Wheeler

        Jan 2016 - May 2017

      • Manager-Credit

        Jul 2012 - Dec 2015

    • IDFC FIRST Bank

      Dec 2018 - now

      • Area Sales Manager

        May 2023 - now

      • Territory Sales Manager

        Dec 2018 - May 2023

  • Licenses & Certifications