Experience

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  All india reporter

  Jun 2017 - Jul 2017

  Sales and marketing intern
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  Hdb financial services ltd.

  May 2018 - Sept 2024

  - Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure and agreed SLAs and manage branch business volumes.- Conduct personal discussion with customers to establish credit worthiness.- Completion of credit/KYC documents and verification- telephonic, field & collateral visits.- Coordination with sales to achieve targets and ensure SLAs are met.- Preparation of Credit Proposal Note and Credit Recommendation.- Reviewing and approving credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the bank’s credit policy. - Managing and following up for credit & business commitments to ensure that they are consistent with the bank’s business needs and objectives.- Determining the key credit risks and mitigating factors while evaluating the proposal.- Conducting detailed analysis of existing business portfolio and recommend changes to contribute to development of business.- Ensuring implementation of the policies to ensure high quality of the retail portfolio.- Employing tools such as automation and digitization to increase process efficiency.- Ensuring the successful adoption of internal compliances & regulatory framework across the business.- Coordinating with internal audit and regulatory audit regarding their various requirements and address their concerns on aspects of credit policies and procedures and their implementation.- Collaboration with Collections to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the collections team in order to take corrective action through new sourcing. Show less - Underwrite unsecured proposal as per the laid down policies procedure- Conduct personal discussion with customers to establish Credit worthiness. - Coordinate with sales to achieve targets and ensure TAT is met.- Credit appraisal of loan applications within defined policy guidelines and accordingly recommending them for approval to higher authorities- Assessing creditworthiness of the potential client by studying financial history basis documents submitted, market information, reference checks etc.- To ensure Audit compliance and regulatory compliance for the branch/location.- Actively involving in collection support for the cases of Non starters and 0-29 bucket. Show less - Underwrite salaried vertical proposal as per the laid down policies procedure - Coordinate with sales to achieve targets and ensure TAT is met.- Credit appraisal of loan applications within defined policy guidelines and accordingly recommending them for approval to higher authorities- Assessing creditworthiness of the potential client by studying financial history basis documents submitted, market information, reference checks etc.- To ensure Audit compliance and regulatory compliance for the branch/location.- Actively involving in collection support for the cases of Non starters and 0-29 bucket. Show less

  • Branch Credit Manager

    Apr 2023 - Sept 2024

  • Credit Relationship Manager (Self Employed vertical)

    May 2019 - Mar 2023

  • Management Trainee (Salaried vertical)

    May 2018 - Apr 2019