Experience

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  Shalimar town planners pvt ltd

  Jul 2014 - Jul 2014

  Intern
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  Amazon

  Nov 2015 - Nov 2015

  Amazon development centre
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  Sbi mutual fund

  Feb 2017 - Mar 2017

  Internship
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  Bandhan bank

  Jul 2018 - Jul 2019

  Cluster team member

  expanding micro loans business in the jabalpur cluster,working towards financial inclusion,cash handling,key handling,atm replenishment,cheque clearing.Customer Service and OperationsWas responsible for timely processing of bank transactions likeNon-financial Service requestsFunds transferChequesOpening of accountsReconciliation of office accountsEnsuring timely resolution of customer queries and improving customer service levels.Customer Engagement & Cross-Sellwas responsible for Engagement with Mapped book Portfolio Customers in order to deepen the account & strengthen the banking relationship.Responsible for generation of fee income through cross sell sale of Retails Asset Products (Loan Products), Credit / Debit Cards, Retail Forex and Investment Banking Products (Life Insurance - LI, General Insurance - GI, Mutual Funds - MF, etc. to the existing customer basewas responsible for lead generation for Saving and Current Account - CASA to new customers and deepening of account balances for existing customerswas responsible for increasing digital penetration (IB/MB/Bill Pay registration & Activation) in the existing base. Show less

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  Aditya birla sun life insurance

  Jul 2019 - Sept 2019

  Intern

  Worked as a intern bancassurance relationship officer ,my work was to provide support to the branch staff in generating life insurance business and overall login process of policies.

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  Freelance (self employed)

  Dec 2019 - Jan 2021

  Freelance graphic designer

  I used to work as a freelancer for different companies . Designed memes for the marketing purpose,flyers and posts for the micro shops and different clients.

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  Icici bank

  Feb 2021 - Jan 2022

  Relationship manager
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  Au small finance bank

  Jan 2022 - Feb 2024

  Credit manager

  Having sanctioning authority of upto 25 lakhs and having nil early delinquent and non starter cases.Handling collection of allocated cases.Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.handling team of disbursement officers.Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city business volumes.Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.Assess income to obligation ratios, calculation of ratios and its impact on loan performance during the loan tenure.Maintain Portfolio MIS, Delinquency MIS and otheroperations related MIS of the cluster and regularlyTake ownership of client queriesExceed service quality standards and strive for continuous process improvementUndertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policiesManage the credit underwriting function of branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. Show less

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  Smfg grihashakti

  Feb 2024 - now

  Credit manager

  Handling underwriting and credit analysis of all home loans products under different income programmes . Also handling LAP and secured Business loans .