Krutik Darji

Experience

• 

  NJ Group

  Jun 2022 - Jul 2022

  Sale trainee
• 

  HDB Financial Services Ltd.

  Jun 2023 - now

  Products (Secured & Unsecured): Self employed & Salaried Profile:- Loan Against Property, Personal Loan, Self employed buisness loan, - Ticket Size for personal loan: 7.5 Lacs, Business loan 25 Lacs, & LAP 2 Crore1. Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan.2. Verifying the promoter's track record & ascertaining their credit worthiness.3. Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position4. To ensure Bounce Rate and Delinquency are within acceptable standards.5. Monitor and enforce approval rate and TAT as per prescribed standards.6. Monitor and ensure that monthly Branch audit score is satisfactory.7. Vendor Management.8. To conduct customer meeting to evaluate credit proposal9. PDD Tracking and closure10. Compliance to repayment instrument replenishment to ensure regular repayment of EMI11. Handling collections - 1 to 12 MOB Show less Analyzing applicability of regulatory provisions on commercial & industrial sector clients and processing documents for issuing credit to the clients• Independently leading and handling 30 Metro city branches applications in Ahmedabad & Surat which includes the review of documentation and advising clients on miss-outs in the same.• Handling Loan against property, self-employed personal loan Salaried personal loan, Secured personal loan cases.• Preparing monthly team performance report for senior management to review.• Conducting risk assessments for government and private salaried individuals.• Evaluating loan applications and underwriting cases of salaried individualaccording to HDB financial services guidelines, for unsecured Personal loan evaluating as per RBI guidelines.• Collaborated with cross-functional teams to ensure compliance with regulatory requirements• Conducting personal visit for unsecured personal loan to validate business result and documentation. Show less

  • Branch Credit Manager

    Jun 2024 - now

  • Hub credit manager

    Jun 2023 - Jun 2024