Rajesh Choudhary

Experience

• 

  Genpact

  May 2011 - Oct 2018

  Management Trainee (Team Leader)

  • Completed “Opex Catalyst” a Six months’ program to embed Lean Six Sigma skills in operations. Assist in all LSS ideas filed in the process, helps align the ideas with suitable methodologies• Awarded with “Annual Gold Award” for 2015• Awarded with “Silver Medal” in E@W MBA program from Amity University in 2013 • Got an opportunity to work as a Knowledge Trainee (KT) for junior underwriting team• Lean Six sigma trained, tested and certified with 3 Stars• Awarded by clients as a Star performer & received several appreciations from the on shore clients• Got an opportunity to become a training SPOC for CYBG - PDP training penetration increased from 9% to 54% & development training 21% to 79% in CYBG during his tenure• Provided a presentation to the Nationwide Building Society (NBS) clients for process improvements• Trained on Advance Excel, Customer Centricity, Bank Demystified Level 1 and 2, Banking Boot Camp, Coaching & Feedback, Time management, Goal setting, Basic excel, Presentation Skills, And Mortgages, Leadership Skills, Effective team handling• Certified Junior Credit Analyst (Credit Underwriter) for CYBG• Have an experience of providing process training for new batches as an SME• IT, Training and Sports SPOC for the process• Skipper of Champions for NPL cricket turnament 2017 & 2018 Show less

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  Namdev Finvest Private Limited

  Nov 2018 - Feb 2021

  Area Credit Manager

  • Risk & Credit assessment for the loan files (HL/LAP/Business Loan) –Analysis of CIBIL reports, Experian reports, Equifax Reports & Cersai report, PD Visit, FI report, CAM, Credit note, Bank Statements & Income proofs, Assets & Liability forms Valuation reports & Legal reports which help in credit decision making• Keep close eye on buckets of <30 Days, <60 Days, <90 Days, >90 Days & Non starter to resolve them on priority• Key Responsibilities include managing Customer Satisfaction, TAT & SLA management, Complaint Management, Cost Management, Process Improvement and manage various accreditations during the learning phase. • Manage day-to-day activities of the team and ensure compliance to procedures and policy guidelines, encourage, motivate and develop agent skill sets and manage personal development goals for them.• Ensure Service Levels meet the quality standards defined within the SLA. Also, manage Compliance Trainings to ensure the team is abreast with all latest updates.• Conduct weekly & monthly service reviews with & management on operational performance, quality improvement, resource optimization and cross utilization, business controls, risk and rigour.• Prepare reports (ad hoc/BAU) periodically to be sent to the management/clients• Ensure that management/clients are aware of any issues or concerns. Identify process gaps and calibrate to formulate solutions• Keep close eyes on OTC & PDD documents• Identify process gaps and calibrate to formulate solutions• Sports SPOC for NFPL Show less

• 

  HDFC Bank

  Feb 2021 - Sept 2022

  Credit Manager

  1. To assess, evaluate, review and communicate decisions of credit proposals as a first level officer for the Wholesale Credit SME. To convey a clear opinion regarding the feasibility of the proposed transaction/ proposed facilities, from risk point of view, covering business model, industry risk, structure, financial risk2. Awareness of the product proposed and suitability to the client needs3. Maintaining Complete / accurate CAM's / Coverage and Intensity of Diligence & Adherence to Credit Policy and extant regulatory guidelines4. Financial Analysis: Financial Statement & Reports, Ratio Analysis, Profitability & Sustainability Analysis, Banking Analysis, Leverage Analysis, Growth & Projection Analysis, PAR and portfolio cuts.5. Due Diligence, Detailed Data Analysis, Solvency Analysis, Portfolio Analysis, Cash Flow Analysis6. Maintaining the defined credit and End to End TATs so as to better service both internal as well as external customers7. Keep close eyes on Book Debts, Charge Creation and other regular requirements from borrowers8. Regular pre/post sanction visits of borrowers for business review and to understand funding requirements9. Periodic portfolio monitoring/review and cash flow analysis, for identifying and managing stress exposures10. Presenting large ticket and watch-list proposals to the seniors in the company for sanction/update11. Engaging with Business team, Credit Administration (operations team), Legal, Audit, Compliance, IT and other stakeholders as appropriate for all credit processes12. Suggesting policy changes or developments and to carry out any other assignments depending on the needs of the company. Thinking, evolving and making significant changes in the processes, techniques, methods so as to save time, energy and money Show less

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  Namdev Finvest Private Limited

  Oct 2022 - now

  Area Credit Manager

  1. To assess, evaluate, review and communicate decisions of credit proposals as a first level officer for the Wholesale Credit SME. To convey a clear opinion regarding the feasibility of the proposed transaction/ proposed facilities, from risk point of view, covering business model, industry risk, structure, financial risk2. Awareness of the product proposed and suitability to the client needs3. Maintaining Complete / accurate CAM's / Coverage and Intensity of Diligence & Adherence to Credit Policy and extant regulatory guidelines4. Financial Analysis: Financial Statement & Reports, Ratio Analysis, Profitability & Sustainability Analysis, Banking Analysis, Leverage Analysis, Growth & Projection Analysis, PAR and portfolio cuts.5. Due Diligence, Detailed Data Analysis, Solvency Analysis, Portfolio Analysis, Cash Flow Analysis6. Maintaining the defined credit and End to End TATs so as to better service both internal as well as external customers7. Keep close eyes on Book Debts, Charge Creation and other regular requirements from borrowers8. Regular pre/post sanction visits of borrowers for business review and to understand funding requirements9. Periodic portfolio monitoring/review and cash flow analysis, for identifying and managing stress exposures10. Presenting large ticket and watch-list proposals to the seniors in the company for sanction/update11. Engaging with Business team, Credit Administration (operations team), Legal, Audit, Compliance, IT and other stakeholders as appropriate for all credit processes12. Suggesting policy changes or developments and to carry out any other assignments depending on the needs of the company. Thinking, evolving and making significant changes in the processes, techniques, methods so as to save time, energy and money13. Regions assigned- Rajasthan, Punjab, Gujrat, Delhi, UP & MP. Show less