Rubesh J

Experience

• 

  Equitas Micro Finance Private Limited

  May 2009 - May 2010

  Sales Officer

  • Lending loans to Self Help Groups• Achieved 110% of target.

• 

  HDB Financial Services Ltd.

  Jun 2011 - Dec 2011

  Senior Sales Officer

  • Direct selling of Mortgage Loans, Business Loans, and Personal Loans.• Achieved monthly target on every month.• Coordinating with Sales Manager to achieve team target.• Coordinating with customer for creating MODTD with Sub – Registrar Office.

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  Canfin Homes Ltd

  Dec 2011 - Jul 2017

  Credit Officer

  • Analyzing applicant’s financial status and credit, income and property values to determine the amount of loan.• Verifying applicant’s background; Checking Credit Score with CIBIL, contacting employers and looked through other misc. information.• KYC, Pay slip, Bank statement & ITR verification (RCU).• Analyzing risk mitigation of the proposal. • Verifying applicants track record with concern Bank’s, NBFC’s”& FI’s.• Monitoring appraisal feeding in package and getting sanction with sanctioning authorities.• Coordinating with Junior officers and DAS’s regarding business.• Conducting personal Discussion with Applicant’s.• Developed professional relation with borrowers and builders.• Monitoring documentation and follow up with customer to clear pending EMT creation.• Updating Customer and Loan details with CERSAI.• Pre and Post sanction verification for both employment & Property.• Coordinating with Panel Advocates and Valuers.• Monitoring sanctions, Disbursements and Outstanding.• Achieved all parameters such as sanction, Disbursements, outstanding, Non housing loans.• Follow up with recovery dept. for recoveries and field visits for NPA customers.• Monitoring SMA accounts.• Compliance of NHB guidelines and KYC norms as per RBI. Show less

• 

  Mahindra Home Finance

  Jul 2017 - Nov 2018

  Deputy Manager Credit

  • Analysing the proposals sent by credit managers. • Analysing the risk mitigation of the proposal & Profile.• Approving proposals within my delegating power as per the company policy • Recommending the proposals which falls under higher delegations.• Coordinating with concern Territory Managers& Regional Business Heads. • Cross verification with the profiles which is sent by credit managers.• Reviewing monthly performance of the credit managers.• Guiding and providing product & policy training to the newly recruited credit managers.• Conducting monthly review meet and product training to the credit managers.• Conducting branch visits and surprise visits.• Updating the policy changes & products to the credit team time to time.• Conducting PD for the higher loan amounts.• Monitoring sanctions, Disbursements & Outstanding of my cluster.• Collecting MIS from credit managers, collating and forwarding to SCH & NCH.• Following up for daily business activities.• Following up for pending internal queries.• Compliance of NHB guidelines.• Compliance of KYC Show less

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  Ujjivan Small Finance Bank

  Nov 2018 - now

  Area Credit Manager

  • Responsible for credit approvals, controls and credit processes for affordable housing loans and mortgages… • Files decisions as per the AHL product program with the defined TAT as per policy… • Portfolio quality management, to ensure lower delinquency ratio while maintaining business flexibility, compliance of policies… • Organized training sessions to credit officers, CCMs, Sales officers, every month regarding any changes in product and process… • Empanelment of vendors such as CPV, Legal & Technical in different locations… • Processing of vendor bills and ensuring vendor quality in terms of process and policy… • To interact closely with other functions such as Sales, Operations and Collections etc. in ensuring smooth day to day functioning at location… • Ensuring timely hiring of manpower.• Underwriting cases which falls under credit head as per Delegation.• Hindsight check of loans disbursed.• Appropriate Intervention to manage ground level risk effectively.• Ensuring adherence to RBI regulations on documentation and KYC compliance.• Worked with different platforms like Finone, LOS etc… • Providing Audit Compliance• Having 25lacs DOA• Handling 35 branches in TN & Kerala with the team size of 2 CCM’s & 12 CO’s… Show less