SWAMEV CHATURVEDI

Experience

• 

  Jumbo Finvest Pvt. Limited

  Feb 2003 - Aug 2004

  Manager Finance

  NBFC with turnover of over Rs. 100 Crores), Jaipur as Manager (Finance & Operations)AccountabilitiesLeading a team of 3 Credit Executives each looking after Light Commercial Vehicle, T/w & Personal loans respectively.Receiving loan applications from each location & checking them for fulfillment of BASIC credit norms regarding, ID, Address and Income proof.Analyzing income statements to ascertain whether they justify loan liabilities along with analyzing First Information (FI) report to ascertain whether the applicant is genuine end user of asset.Sanctioning the disbursal after successful credit appraisal & sending it to Accounts Executive for disbursal.Presenting MIS report Branch wise & Sector wise to the Board of Directors on quarterly basis.Preparing and presenting Proposal for enhancements of overdraft limits to different banks to meet working capital needs.HighlightsActively introduced first information questionnaire for Field Executives to be filled for Loan Applications Personal details regarding location of residence, Bank Details and purpose of loaned asset.Streamlined and formulated process of Credit Appraisal.Efficiently started To Provide Trade Advance To Business Partners and Commercial Vehicle Dealers, T/W Dealers and thus utilized the excess working capital thus earned Quality Loan Portfolio.Increased business with low NPA Portfolio.Charged interest for unutilized trade advance every month from dealers2- 5% higher than interest rates charged by our bankers, thus covering the cost of funds as well as earning interest income on excess fund. Show less

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  Sundaram Finance Limited

  Sept 2004 - Jan 2006

  Branch Operation Executive

  Major Commercial Vehicle Financer of the Country), Jaipur as Junior Executive - Operations - Scale- O2- Branch Operation In-chargeAccountabilitiesPreparing daily MIS of Business & collection sending to Zonal office.Taking reports from Field Executives collections, Sales Associates and managing branch daily cash management, authorizing branch receipt vouchers of the cashier.Liaising with the bankers for various certificates required for statutory audit purposes.Fulfilling all auditory requirements of the branches including cash remittance, documentation of loan application, and storage of post dated cheques of the borrowers, issuance of receipt of collections, coordinating with internal auditors for smooth auditing function of the branch.Checking commercial vehicle- LCV/M&HCV/Bus Loan/ Refinance applications submitted by Branch Sales Executive for fulfillment of KYC norms including ID, Address Proof and Income Proof.Handling the documentation of self attested copies of RCs, Insurance hypothecation.Analyzing valuation reports to ascertain the exposure of the organization to the borrower in relation to the borrower's ascertainable income & expenditure.HighlightsHandled the areas such as Jaipur, attached location of Kota and Shahpura.Headed Branch Operations successfully of the Second Largest branch in North after New DelhiSuccessfully handled the underwriting a portfolio of Rs.100 crores in 1 & half year.Efficiently managed the stock on hire of over Rs. 50 crores collections was 98 % y-o-y basis.Actively achieved the Highest Auditory rating for Operations in the country within 458 branches. Show less

• 

  Shriram Finance Limited

  Sept 2006 - Dec 2008

  Senior Manager

  Operations - Scale- M2AccountabilitiesMaking tie ups with Retailers - Auto dealers, Consumer Durable dealers, Loan Agents & Brokers along with organizing Loan Fairs in collaboration with manufacturers with special Interest rate Tie-ups.Introducing tailor-made promotional schemes in the market for prospective customers.Leading a team of 16 personnel's including 1 Assistant Manager Operations and Credit Officers at Jaipur Division office each look after different divisions of SME, T/W and consumer durable loans.Checking loan applications for documentations as per Know Your Customer norms (KYC).Verifying the income proofs bank statements for unusual debits, average monthly balances, financial statements, salary slips, references, first information reports, etc.Monitoring SME loan accounts on monthly basis along with preparing MIS reports on branch basis, sector basis, repayment basis i.e. bucket wise. Taking feedback reports from branch manager, branch collection executives & state collection head.Getting NPA and collections MIS from the State Collection Head on monthly basis.Coordinating focus of collections branchwise by giving recommendations & instructions to collection team for recovery of assets, disposal of assets, recommending initiation of legal proceedings by legal division.HighlightsProactively maintained lowest TAT in northern states of average 3 days from Login to disbursal.Successfully handled the underwriting of a portfolio of over Rs. 1000 million in period of 2 years.Rated one of the best territories in fulfillment of KYC norms.Handled the stock -on-hire of over Rs. 600 millions having collection percentage of above 95%.Kept the NPA below 2% annually and achieved lowest number of NPA accounts in North & lowest number of NPA rollover to next financial year in North.Efficiently checked all small & medium enterprise loan applica Show less

• 

  HDFC Bank

  Jun 2011 - Jun 2012

  Retail Branch Banking Operationrelated to Authorization, Cash Management. Maintaining reports .Lobby managementLocker OperationsDocumentation of Account opening Forms . Preparing legal documents and securing installments within defined due dates in the different delinquency buckets/ brackets. Monitoring collections & recovery processes, devising and setting up new processes & procedure for improving collections as well as recovery time. Coordinating with Regulatory bodies and Law-enforcing authorities.Project FinanceManaging the project bank finance and following up with banking facilities like Overdraft, L/C and LBD, Bank Guarantee, Bank Margin Fund, etc.Verifying the assets of all project sites and preparing the depreciation statement by asset v/s project site wise.Monitoring the project control budget and submitting report to the management by monthly.AuditingAssessing the effectiveness and efficiency of business processes & providing recommendations for improvisation; evaluating & strengthening internal control systems / procedures.Coordinating with auditors; investigating points raised and submitting reports to the management, outlining problems and implementing corrective actions and follow up & compliance thereof.; Jaipur (Provider of Water Proofing Solution In Government Department) as Manager (Finance)AccountabilitiesAnalyzing the cost of tender applications and filing the tenders.Liaising with various government departments along with arranging working capital requirements.HighlightsProficiently dealt with the State Government Departments like Bridge Corporation, PWD, CPWD, JDA, Electricity Board, Housing Board, etc. for bringing the contracts.Bagged orders worth more than Rs. 5 Crores while the firm's last financial Year's turnover is less than 3 crores in a short span of 9 Show less

  • Backup Branch Manager

    Jun 2011 - Jun 2012

  • Backup Branch Manager

    Jun 2011 - Jun 2012
• 

  AU SMALL FINANCE BANK

  Jun 2017 - Jan 2023

  Territory Manager for Jaipur Sanganer and Chaksu

  • Portfolio Business Manager

    Jul 2021 - Jan 2023

  • Business Manager

    Jun 2017 - Jan 2023
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  Jana Small Finance Bank

  Jan 2023 - Oct 2023

  Cluster Head
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  State Bank Operations Support Services

  Oct 2023 - now

  Territory Manager