Experience

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  Icici bank

  Jul 2007 - Dec 2010

  Credit processing analyst

  Handling Retail Assets product -PL loans in ICICI Bank as CPAVerification of documents as per NDC (Non Discrepancy Check) before LoginProcessing Loan Application Through Online.CIBIL checkingFI Initiating On Finn one QDE & DDE updatingCustomer eligibility checkingCustomer Official email collectingPreparation and Submission of daily login MIS report.

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  Tata capital

  Jan 2011 - Jul 2014

  Senior executive

  Handled End to End credit operation for retail asset products like PL, BL, LAS, Auto loan,Verification and Authentication of PL, BL and CD loan pre sanction and post sanction documents other necessary loan processing documents.Verification of documents as per NDC (Non Discrepancy Check) before disbursement of LoansMonitoring vendors Like Field Investigating agencies, Valuation & Legal agencies for Mortgage loans and maintaining TATProcessing and Disbursing the Loans within TATHandling Credit and Operational issuesStrong working knowledge of banking standards, legal & regulatory aspects of bankingCo-ordinate among Home loan, Home Equity Loan, Auto Loans, LAP, LAS for preliminary check of Loan documents.Handling customer queries and resolving on Priority Basis.Preparation and Submission of daily login MIS report. Show less

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  Hdb financial services ltd.

  Aug 2014 - Aug 2015

  Credit manager

  Handling and experienced in PL, BL, LAG, and Loan against property (Mortgages) & Car Loans.Ensure upfront screening / RCU activitiesEnsure proper MCP check QualityEnsure Timely TVR, CIBIL checks and trigger for verifications. All TAT goals to be met.Handling Credit operation from Login to Disbursement.Credit Decision Making for Personal Loans and forwarding Proposals for Business and Mortgage loans (Underwriting the case’s to ACM )Handling Credit and Operational issuesMonitoring vendors Like Field Investigating agencies, Valuation & Legal agencies for Mortgage loans and maintaining TAT.Taking care of audit queries and maintaining good audit score.Taking care of collection of Front-end cases and maintaining branch portfolio.Preparing MIS, Collection reports on daily basis and Weekly review reports.Assisting customers with queries, requests & complaintsAssessing overall Credit Eligibility of customer & recommended the case to higher authorityPolicy -Deviation Tracking.Analytical Thinking - Breaking complex task in a systematic way, identifying trends and relationship in data, evaluating the sameTeam effectiveness – Sharing Knowledge/information relevant to others, standing in for a team memberProcess orientation - Doing things in a structured manner, making specific changes in system/process/work methods to improve performance, managing information in a structured and systematic manner Show less

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  Toyota financial services india

  Sept 2015 - Aug 2018

  Credit and ops in operation & risk management

  Handling New Car Loans & used car loans Credit operationWorking in TAT basis, No error base & productivity base Customer Documentation - Ensure pre approval documentation is accurate.Pull out CIBIL loans Clarification and OD clearanceWork for south CPU 5 states cases (Karnataka, Kerala, Tamilnadu, Telangana & Andhra Pradesh) .Having knowledge about unique auto finance ( Retail & FTU ) schemes like customized products- 100% Finance ( Ex show room ), On road funding, First Insurance funding, NRI funding, Low margin money funding, Vanila, Balloon & BulletUnder writing the case’s with deviation and forwarding the same to L2 & L3 credit ManagerEnsure high audit scores by reducing hand sighting error rates while delivering on the policy and process requirements.Doing Multi-tasking like File disbursement in every month ends Show less

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  Indiabulls consumer finance limited

  Aug 2018 - Jun 2021

  Credit manager

  Handling Personal loansHandling PL application of DSA cases and Open market casesCredit Decision Making for Personal Loans and forwarding Proposals to RCM’s and ZCMUnder writing the case’s with deviation and forwarding the same to L3 & L4 credit ManagerHaving skill in team handling / managing the load Working in TAT basis, No error base & productivity base If Required going for Personal discussion at customer office placeCustomer Documentation - Ensure pre approval documentation is accurate. Pull out CIBIL loans Clarification and OD clearanceMaintaining FCD (First credit decision ) TAT Ensuring quality and delivering timely decisions in terms of underwriting.Assessing the credit worthiness of customers through documentation checks and Personal Discussion.Analyze financial statements and credit history to better understand how much risk could be involved in extending credit to customers. Show less

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  Chaitanya india fin credit pvt ltd

  Aug 2021 - Mar 2022

  Credit manager- state head, karnataka

  Currently Working as Credit Manager - HO, State Head, Handling multiple Karnataka Locations, Product is Retail (Unsecured Business loan /MSME) Credit Approvals of loan application within the defined policy; will also be responsible for supervising a team of junior credit Manager’s Ability to take decision based on complexity of customer profile. In-depth understanding of customer profile and recommendation to higher authorities for complex & large ticket deals. Analyze and verify customer financial information. Implementation of risk management tools, Initiate processes Improvement and Impart training. Adherence to credit decisioning parameters as per Credit Policy on loan proposals Initiate and Implement process improvements for better customer experience there by maintaining the organizations risk appetite. Structured training to be imparted for both internal teams as well as business associates on a regular basis. Analyzing the local market and keep updating the central team on fraudulent colleges, negative areas and profiles Keen team player, Self-motivating personality, Good people management skills and an excellent motivator Show less

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  Tezz capital

  Mar 2022 - Dec 2022

  Senior credit manager

  Handling Unsecured Business Loan (LoanTicketsize10L to 50L) and Reporting to Regional Credit ManagerUnderwriting of Self- employed business loan of corporate and non corporate entities &Cases handling for Bangalore and Mumbai locationsThorough knowledge of various industries ( Retail, Manufacturing and service industries )Monitoring customer Credit Policy, Credit Parameters, Internal Rating scorecard etcMonitoring and maintain credit quality on agency reports ( FI and RCU )Analysis of Financial statementsPersonal discussion with clients at their office or through Video conference tounderstand the business module /profile, repayment capacity and net worthCredit appraisal memo checking and preparation of proposal notesConducting trade reference checksRecommending the cases to higher authorities for ApprovalMaintining TAT and Portfolio Management Show less

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  Indusind bank

  Dec 2022 - now

  Area credit manager - chief manager

  Handling Unsecured Business Loan / SME (Ticket size 10L to 80L) andReporting to Regional Credit ManagerUnderwriting of Self- employed business loan of corporate and non corporateentitiesThorough knowledge of various industries ( Retail, Manufacturing andservice industries )Ensuring quality processing of BL files based on analysis of inputs generatedinternally & provided by customersExisting loan RTR & External feedback – checking repayment of existingloans in banking & confirmation of feedback from market.Personal discussion with clients at their office or through Video conference tounderstand the business module /profile, repayment capacity and net worthTaking decision on the deals and recommending the case to approvalauthorities within the TAT.Cross checking Financial Analysis & Ratios like Profitability Ratios (GPRatio, NP Ratio & Cash Profits Ratio), Liquidity Ratios (Current Ratio &Networking Capital Cycle), Coverage Ratios (DSCR, FOIR Etc.), SolvencyRatios (Leverage, Debt/EBITDA, Borrowings to Turnover Ratio Etc.) &Growth trend of Turnover, Operating Profits, Cash Profits etc.Cross checking Financial Analysis & Ratios like Profitability Ratios (GPRatio, NP Ratio & Cash Profits Ratio), Liquidity Ratios (Current Ratio &Networking Capital Cycle), Coverage Ratios (DSCR, FOIR Etc.), SolvencyRatios (Leverage, Debt/EBITDA, Borrowings to Turnover Ratio Etc.) &Growth trend of Turnover, Operating Profits, Cash Profits etc.Cross checking Financial Analysis & Ratios like Profitability Ratios (GPRatio, NP Ratio & Cash Profits Ratio), Liquidity Ratios (Current Ratio &Networking Capital Cycle), Coverage Ratios (DSCR, FOIR Etc.), SolvencyRatios (Leverage, Debt/EBITDA, Borrowings to Turnover Ratio Etc.) &Growth trend of Turnover, Operating Profits, Cash Profits etc.Handling audit queries and maintaining the underwriting quality by strictadherence to policies and processAdhering Loan policies in best possible manner to maintain portfolio quality. Show less