Dhiraj Gupta

Experience

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  ICICI Bank

  Jun 2005 - Jul 2007

  Relationship Officer

   Interview applicants for loans for the Purchase of House, Construction or Renovation of a House. Ensured rich experience for the Client from first day with the Bank to Sanction and Disbursement of Home Loan. Promoted the sale of Insurance, Current Accounts, deposit, investment, credit and loan products and services Assisted clients by proposing solutions to address financial objectives such as business expansion, debt management, investment and other financial goals. Completed credit and loan documentation by coordinating with Customer. Submit credit and loan applications to branch or credit manager with recommendations for approval or rejection ensuring that credit standards of the institution are respected. Training and development of Direct Sales Team and Direct Sales Agents and Channel Partner about new products and process for smooth functioning. Liaison with the builders to fetch more business for the Bank. Show less

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  HDFC Bank

  Jul 2007 - Dec 2008

  Relationship Manager

   Meeting and Interviewing the Bank Branch Walk in Customers for Loan Against Property. Requirement elicitation from the client.  Analyzed client’s situation and assist clients by proposing solutions to address financial objectives such as business expansion, debt management, investment and other financial goals. Managed 13 Branches of HDFC Bank Jalandhar for Loan Against Property along with a Team of 1 Team Leader and 5 Sales Executives. Assessment of Customer needs regarding Loan Facility ensuring all the Credit Policy Parameters are Met. File Completion as per the Banks Credit Policy through the Sales Executives. Hand over the files to Credit Manager for the processing of Files. Client Visit along with the Branch Head to High Net worth Clients for Loan disbursements. Trained of the Sales Team regarding the new Products Launched by the Bank. Follow up with the Credit Processing Agents for the smooth Processing of the File. Cross Selling of the other products of the banks as a bundle along with the Loan Against Property i.e. Current account, HDFC Ergo General Insurance and HDFC Life Insurance. Show less

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  Indiabulls Housing Finance Ltd

  Dec 2009 - Jun 2011

  Manager

   Interview applicants for mortgage loans along with the Sourcing Agent of Indiabulls. Requirement Elicitation from the client. Analyzed client’s situation and assist clients by proposing solutions to address financial objectives such as business expansion, debt management, investment and other financial goals. Promoted the sale of credit and loan products and services. Interview the Brokers to get on the Panel of Company for sourcing of Home Loans and Loan Against Property. Submit credit and loan applications to branch or credit manager with recommendations for approval or rejection ensuring that credit standards of the institution are respected. Liaison with the Builder and Real Estate Developers for better share of business for the company. Development of the New Direct Sales Brokers to increase the sales of the Mortgage loans.  Trained the Sales Team and Newly appoint Brokers twice a month for smooth functioning of the Process. Made Sales Plan as per the targets allotted and execution of the sales Plan. Coordinated with the Collection Manager for the Collection of Money from the Customer if any EMI Bounces. Show less

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  Dhanlaxmi Bank Limited

  Jun 2011 - Jul 2012

  Sales Manager

   Interview applicants for mortgage loans along with the Sourcing Agent of Dhanlaxmi Bank. Requirement Elicitation from the client. Analyzed client’s situation and assist clients by proposing solutions to address financial objectives such as business expansion, debt management, investment and other financial goals. Complete credit and loan documentation for the processing of Loans. Submit credit and loan applications to branch or credit manager with recommendations for approval or rejection; or approve or reject applications within authorized limits ensuring that credit standards of the institution are respected Liaison with the Chartered Accountants for better share of business for the company. Development of the New Direct Sales Brokers to increase the sales of the Mortgage loans.  Training of the Newly appoint Brokers twice a month for smooth functioning of the Process. Make Sales Plan as per the targets allotted and execution of the sales Plan. Collection of Money from delinquent accounts in association with Collection Team. Cross Selling of Insurance, Current Account and Saving Accounts. Show less

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  Tata Capital

  Jul 2012 - Jul 2013

  Manager

  • Responsible for the Business Development in the assigned territory.• Identified and Hired New Channel Partners and activation of existing inactive brokers.• Managed a Direct Sales Team, Brokers and Connectors.• Ensured a regular profitability for the branch month on month.• Trained the Sales team and broker channels with sales techniques and credit policy of the company.• Maintained high standard of customer service and retained existing customers.• Maintained the non-performing assets well below the benchmark. Show less

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  Strategic Money Solutions

  Jun 2013 - May 2017

  Financial Analyst

  Developed and produced the Mortgage Portfolio for Commercial and Home Loans.Analyzed financial information including operating statements and net worth statements and Net worth statements to determine the Loan amount, Loan Terms and Rate of Interest and Fees.Initiating Internal and external checks for the evaluation of the loan. Such as Property Valuation, Legal Search Report.Ensured the loan are being sanctioned as per the Credit Policy.Financial health checkup of the client from the credit Rating Agency like CIBIL.Visit to the Office, Home and the Property to be Mortgaged. Show less

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  Deakin University

  Jul 2018 - Oct 2018

  Data Analyst

  • Conducting data preprocessing and performing correlation analysis using Python. • Performing exploration and description to understand the characteristics of the data set and check for analytical patterns using Tableau. • Conducting a Hypothesis test using R to check the performance between the new & old questionnaire.• Aligned Epworth Healthcare- a not-for-profit organisation’s staffing and scheduling procedures with the specific needs of patients.• Identified the case-mix of patients and patterns of both triage scales (patient acuities) and symptom/disease reporting.• Forecasted upcoming workforce demands in the emergency department to assist with the scheduling of specialist requirements (i.e., timing) as well as the optimal and required number of each type of specialist or practitioner. Show less

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  Prydes Confectionery

  Jun 2019 - Jun 2021

  Reporting Analyst

  Spearheaded the data entry for packaging for party mix for Coles, Wool Worth, Aldi and Starburst Maintained records for the product packed daily; led quality assurance of the products packed Identified opportunities to re-engineer, reinvent & add value to business by translating strategies into definite actions Devised strategy ensuring high exit barriers by promoting superior value offering to customers Acquiring, cleansing, transforming, and verifying data from first, second, and third-party data sources. Interpreting data, analysing results, and identifying trends using statistical techniques and provide ongoing insights/measurement reports and formulate conclusions and suggestions Generated weekly reports for products packed ; generated monthly interactive report and reported to the management Show less

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  Menzies Institute of Technology

  Jun 2020 - Sept 2020

  Business Analyst

  Generating weekly reports for students attendance data and deriving insight related to students activityMaintaining and updating the Wisenet (Learning Relationship Management system)Monitoring, recording and updating the data of studentPreparation of Physical roll and competency sheet for all the lectures. Creation of student CANVAS, CDX account and creating the outlook email for student. Analysing the student progress through out the course with help of Power BI and publishing report on the institutes websiteManaged and update the Institutes website IT helpdesk support for the InstituteMonthly report generation and reporting to the management Show less

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  Great Southern Bank

  Jan 2022 - now

   Monitor, route, and answer incoming support calls and Interact daily with GSB customers Apply knowledge of bank policy and applications to effectively interpret and resolve client support issues Providing high level customer focus through delivery of accurate information to business clients regarding availability and functionality of services. Diagnosing issues and provide solutions, utilising knowledge entries to achieve service restoration where possible. Escalation of all unresolved problems/requests to relevant teams; providing accurate categorisation, assessment and prioritisation. Providing remote diagnostic and troubleshooting and checks for customer incidents. Responding to phone, email, and event alerts within the defined, contractual SLA's. Manage competing priorities between inbound calls and queue management within the enterprise ticketing system to ensure services are delivered within expected timeframes. Working on the banking software such as CXOne, Nucleus, Bancs, Prime, Cadencies, Cuscal Payment Hub. Protecht and Lead Management System Show less

  • Customer Service Specialist

    Jan 2025 - now

  • Lending Servicing Specialist

    Jan 2022 - Jan 2025