Raj Saxena

Experience

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  GVK EMERGENCY MANAGEMENT & RESEARCH INSTITUTE

  Sept 2020 - Oct 2021

  Emergency Response Officer

  • Closed the highest cases in a day while working at the Operation Excellence Desk.• Meet all the quality, skills and process parameters.• Take responsibility of enter the floor.• Always politely communicate with everyone on the floor.

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  TCS iON

  Dec 2021 - Mar 2022

  Exam Proctor

  • Responsible for monitoring Candidates through video feeds.• Raise Alerts/initiate action per Process during the exam when the they observe any malpractice attempt.• Managing the data of all the students enrolled in the exam on an excel sheet.• Before the exam, do a complete analysis about whose exam is and what kind of students are enrolled in that exam.

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  The Muthoot Group

  Apr 2022 - Jan 2023

  Junior Relationship Executive

  • Conduct cash transactions, manage gold loans, facilitate money transfers, handle Demat accounts, promote NCDs, process PAN card applications, reconcile bank statements, and maintain the cash book.• Prepare daily reports for the Area Head and regular reports for Regional Office and Corporate Office.• Source new customers, primarily for the gold loan business, conduct gold appraisals, and achieve revenue goals through effective cross-selling of financial products and timely interest collection.• Cultivate and maintain strong client relationships to maximize business potential. Manage customer relations, follow up on inquiries, and maintain essential registers.• Responsible for gathering and organizing loan documentation, credit assessments, and appraisals essential for loan processing.• Ensure accuracy and completeness of loan applications, meticulously inputting data into the system for streamlined processing and compliance. Show less

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  Finova Capital

  Jan 2023 - Jan 2024

  Branch Credit Manager

  • Evaluate loan applications (HL, LAP, MSME, Internal BT, External BT) based on credit policy to ensure adherence to eligibility criteria, risk assessment, and approval standards for each loan category.• Analyze Credit Bureau Reports to assess the applicant's credit history, identify potential risks, and determine creditworthiness, ensuring that all relevant factors are considered for loan eligibility.• Review income documentation and scrutinize bank statements to assess financial stability, repayment capacity, and consistency of income, ensuring the applicant qualifies for the loan based on internal financial criteria.• Verify loan and property documents in alignment with legal opinions, property ownership, and technical assessments to ensure compliance with the institution's policy and approved loan terms and conditions.• Ensure timely issuance of sanction letters and disbursement of loan funds within the defined TAT, maintaining efficiency and customer satisfaction while meeting internal deadlines.• Coordinate with legal and technical vendors to expedite document processing, legal verifications, and property assessments, ensuring smooth and timely loan approval and disbursal. Show less

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  Vastu Housing Finance Corporation Ltd.

  Feb 2024 - now

  Branch Credit Manager

  • Thorough Credit Assessment :- Conduct meticulous analysis of mortgage applications, evaluating borrower profiles, property valuations, and financial documents with precision.• Strategic Risk Management :- Develop and implement robust risk strategies, ensuring compliance with regulatory standards to safeguard financial integrity.• Client Relationship Building :- Cultivate trusted relationships, providing personalized guidance and ensuring exceptional service throughout the mortgage process.• Team Leadership :- Lead a high-performing team, fostering collaboration and continuous development to uphold standards of excellence.• Innovative Growth Initiatives :- Drive business growth through market analysis, product innovation, and strategic partnerships to expand market presence and achieve objectives. Show less