Sandeep Singh

Experience

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  Poonawalla Fincorp

  Jan 2010 - Mar 2011

  Opeartion Executive

   Responsible for disbursement of Car and Tractor Punching of files in internal(ORACLE)software Ensuring error free scrutiny of documents and achieving zero defect mark Maintenance of daily disbursement MIS of all products Handling customer endorsement of all products Responsible for punching of all DBR(Daily Business Report) Punching of PDD(Invoice,insurance,Rc)of all products

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  Tata Motors Finance

  Apr 2011 - Sept 2012

  Credit Executive

   Checking of the files KYC, deal IRR, Prize list, Customer letter, BDM letter, and Banking & income documents as per Products & Policy at the Login Stage. Update the Login Ok files in the Login tracker. Generate the System No. in CPA System with Basic Data Entry. At the time of CAM (Credit Approval Memo), valid the 6 months banking & plotting the track if any EMI found in the banking & generate the Excel FAT. Prepare CAM and Credit Pitch Plotting the Loan Track of the Existing Customer. Analyzing of Financials of the Strategic & Super Strategic Customer  Doing TVR with Customer & taking the information related with deal. Check the Track record, Existing Exposure from SAP of Existing Customer. Pitch the CAM to Credit Manager for Final Approval with All details of the Customer. (Example- Track record, Deal background,Cibil,Dedupe,Contract Details, Field investigation Report, Total exposure details, Vehicle Details.) Checking of files thoroughly before RO(Releasing Order) Maintain MIS e.g. CPA MIS, Valuation MIS, maintaining Booking & Disbursed file MIS.Giving approval for RAAC Cases of RSPM - If CIBIL, Dedupe, and FI & RSPM ok then approved the file as per Product & Policy comfort. Show less

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  AA Insurance Services

  Mar 2014 - Mar 2015

  Investigations Officer

   Investigation of Theft Cases on the Physical Ground. Insuring the Cases to be genuine. Responsible for the Preparation of Investigation Report. Ensuring error free scrutiny of Theft cases. Responsible for finding out the Fraud Cases with the help of Investigation Report.

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  ICICI BANK LTD

  Apr 2015 - Apr 2016

  CPA MANAGER

  Completely Responsible for the Deal Pitching & Disbursement of Product Commercial Vehicle.

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  HDB Financial Services Ltd.

  Oct 2016 - May 2017

  Credit

   Authority of Approving Deal on ground Level on the Basis of Customer Satisfaction Fully Responsible for PD in All Cases Up to 5 Lac. Authority of Recommending Cases on Personal Satisfaction According to the Policy & Nature of Job. Authority of Approving Case upto 5 Lac. Credit appraisals and case presentation for Salaried cases of All Products. Complete Responsibility for CAM Preparation and Deal Pitching Compilation of loan post documents, MIS management and its communication to the concerned on daily basis. Show less

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  Home Credit India

  Jun 2017 - Jan 2022

  Senior District Manager

  Worked with Home Credit India Finance Ltd from the month of June-2017 as a Senior District Manager-Business Investigation. (Kanpur, Unnao, Fatehpur, Auraiya, Banda, Mahoba, Chitrakoot and Agra Location)

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  Freelancer

  Feb 2022 - Mar 2022

  Freelance

  Worked as Freelancer

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  Cholamandalam Investment and Finance Company Limited

  Apr 2022 - Oct 2022

  Area Credit Manager

  Worked with Cholamandalam and Investment and Finance Co Ltd as Area Credit manager for PL and BL ProductDetails:⮚ Responsible for Monitoring, Managing and Maintaining Good loan Portfolio of PL and BL as per Company norms.⮚ To conduct personal discussion with customer/client with intent to understand and analyze associated risk in the- business and financial standing of client.⮚ To Understand Customer Business/enterprise in depth and draw out the assessment peculiarities of the business or trade engaged in.⮚ To assess the income,ability,intention,business sustainability & credit Behavior and verify it through non- traditional income documents &reference checks as well as from traditional income documents and various kinds of credit bureau checks.⮚ To Analyze the Audited/Certified financials as the case may be to assess the eligibility for the loan.⮚ To Manage the entire credit application process right from Analysis to approval⮚ To Co-ordinate with legal,valuer,and FI agency for processing the file⮚ Managing the overall TAT and end to end TAT⮚ To Monitor Delinquency trend and delegate counterparts for maintaining healthy portfolio Show less

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  Jana Small Finance Bank

  Nov 2022 - now

  Area Manager-Vigilance & Fraud Investigation

  Working with Jana Small Finance Bank as Manager-Fraud Risk Management for Asset and Liability Products.Details and Looking after UP and UK Location.⮚ Responsible for the Scheduling, Planning, Execution of Audits, Investigation, Reviewing & Publishing Investigation Reports.⮚ Restrict Fraud Loss in a Cost Effective and timely manner so as to Deliver Value to the Organization⮚ Investigation of all Frauds Pertaining to Liability & Asset Business.⮚ Effective Resolution of Disputes and other Investigative activities within timelines.⮚ Handle Operational Activities (FRM & Audit) Including Monitoring Fraud Allocation, Completion and Pending Investigation.⮚ Preparations of Senior Management Reports for Fraudulent Cases which are to be presented to Senior Management and Business Stakeholders.⮚ Co-ordinate with the team for Smooth Completion of all Investigation.⮚ Regularly Monitoring of Trends, analyzing them and taking up with business for Corrective action.⮚ Present Fraud Cases in CEC for Proper action on Erring Employees.⮚ Responsible for Investigation of Secured Cases from Ground Zero to its Conclusion and also Follow up Legal and Technical Agency for the CTC and TSR Report.⮚ Responsible for the Investigation of Cyber Fraud, UPI Fraudulent Transaction Cases and Follow-up with Nodal Agency for the Proper Resolution of the Cases.⮚ Responsible for the Investigation of Bribe Offering, EMI-Misappropriation, Password Sharing type of Cases. Show less