Rahul Borse

Experience

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  SHRIRAM CITY UNION FINANCE

  Feb 2012 - Feb 2014

  Credit Process Executive

  Quality and uniform credit appraisal Underwriting and approval of loans and ensuring that all credit processes are followed and policy norms are implemented.Doing Credit appraisal for Home Loan/Personal Loan/Auto Loan.Handling final credit process at CPU level (Credit Process Unit).5 Branches Credit Audit & Maintain MIS.Checking disbursements and ensuring collateral perfection.Manage credit portfolio & Maintaining MIS for the Division. Also manage sales team. Working in Excel & Online Company software (UNO).Maintain All Documents & Files. Prepare Daily Report of Credited Files (Disb./Dispatch Records)Prepare Monthly Report like; Executive Wise, sales Product Wise, Dealer Report, Division Report.Maintain Arrear Report Of Division.Customer Physical Verification & Online cross Document Verification. Calculation of Dealer/Brokers Payout & Incentive. Show less

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  Tata Capital

  Mar 2014 - Apr 2015

  CFAB Ops.

  Branch level Loan sanctioning and Disbursement of loans and ensuring that all credit processes are followed and policy norms are implemented.Disbursement for Home Loan/Business Loan/LAS/Personal Loan/Auto Loan.File Checking & ensuring all process as per credit Policy. Audit Compliances & Resolution. Handling the team of 4 persons.Co-ordinate with CPC team & ensuring for final Disbursement.Post disbursement functioning like, PDD, ECS/PDC updating.Customer repayment analysis & functioning. Manage credit portfolio & Maintaining MIS for various products. Working in SAP, TCS BaNCS etc.Prepare Daily Report of Credited Files (Disb./Dispatch Records) Show less

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  HDFC Bank

  Mar 2015 - Feb 2017

  Assistant Credit Manager

  Initial screening of the files for documentation and other requirements as per policy guidelines. Preparation of the Cam. Co Ordination with all Vendors to get updated timely reports.Examine cases for met accurate final decision Audit Compliance & Maintain stander Quality as per ISO parameters. Interact with other functions such as Policy/sales/Operation/Collection etc for ensuring smooth day to day functioning.L2 CAD Authority for Approvals & Deferral. Co-ordinate with Maharashtra & Goa Zone.Manage Portfolio quality & Analysis of cases. Maintain 0.70% Error rate & Delinquency as per ISO Audit. Software Knowledge - APS, Mainframe, Flexcube, Finware, CBCI Show less

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  MAHINDRA AND MAHINDRA FINANCIAL SERVICES LIMITED

  Mar 2017 - Oct 2017

  Branch Credit Manager

  Verifying and scrutinizing all the document execution as per login checklist.Ensuring the adherence to the policy norms. Maintain minimum deviation level. Verification of deviation approval from the appropriate authority as per policy documents. Calculating Eligibility of the cases.Underwriting the cases in assign Area (Pune,Ahamadnagar,Satara,Kolhapur)Coordination with Legal and Technical Vendors in clearing the queries. Regular visit to all vendors: Legal, Technical and FI agency at least once on monthly basis to review the TAT, process implemented and resolving issues if any. Also keep themselves updated about the market practice and what other financial institutions are practicing for the same region. Property & Machinery visit in all LAP/SBL & Machinery cases to verify the Asset.Monitoring all the activities of CPA like EMI Calling, CERSAI execution and ROC creations.Underwriting the Post Approval document execution which is prepared by CPAUnderwriting of Disbursement in POLARIS.Recruitment and Training of all CPA's in their clusters.Regular visit once in a qtr for Asset verification.Regular review of portfolio in their clusters to understand the gaps in policy, process and any other issues and accordingly suggest changes for same Conducting training and feedback periodically to the sales team members. Show less

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  Dewan Housing Finance Crporation Limited.

  Nov 2017 - Mar 2019

  Branch Credit Manager
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  CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED

  Mar 2019 - Feb 2021

  Branch Credit Manager

  Credit Appraisal of Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training. To evaluate proposals of customers for Salaried & Self Employee.Handling the multiple locations from central Point, Responsible for central Processing for Gujrath, Rajsthan & Delhi 6.Appraise the SENP cases for Mumbai Metro, NIR cases & High ticket value. Interact with Customers & understand the business and regularly monitor delinquencies / infants. Decision making within defined TAT & Quality.Understanding of property related knowledge (like legal title and market value of the property). Managing a team of CPAs, Coordinating with sales, operations, legal, technical and customer service. Show less

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  Axis Bank

  Feb 2021 - Jan 2022

  Senior Credit Manager
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  Bajaj Housing Finance Limited

  Feb 2022 - now

  Sr. Area Credit Manager