Credit Manager - Hinduja Housing Finance
(2025-09 - 2026-06)
- Managing Credit and Operations for Home Loans of the Region.
- Credit appraisal as per policies, procedures, and credit underwriting guideline.
- Maintenance of TAT, Compliance, policies and procedures. Principal Accountabilities Strategic.
- Customer Application Screening, KYC and Income documents as collected by SO for login.
- Analysis of Bank Statements and other relevant documents for income assessment.
- Meet customers and do business and income earning capacity as per the Credit Manual & Guidance Notes Tactical
- Co-ordinate with SO for post approval activities like Loan documentation check, Sanction conditions adherence, PDC and NACH forms accuracy and send the file to HO for disbursements.
- Responsible for tracking and collecting all Post Disbursed Documents including Loan Closure letters on takeover.
- Responsible for PDC/NACH replenishment to ensure regular repayment of EMI. Supervisory
- Identifying targets and reviewing & evaluating performance, identifying & addressing deviations & its relevant.
Product Associate at Senior Officer - IIFL Home Finance - Gurgaon
(2022-09 - 2025-09-10)
- Providing application support to our internal sales and credit team via emails/chat/Calls to proceed & complete the case in Home Loan app.
- Working on API monitoring & checking logs to find the errors during the files logging in app.
- Working on Loan app Jhatpat, CRM, ZOHO Desk, Exe, UAM, collection, los/ilos applications, Bill desk, Tejora etc.
- Provide rights Roles & Location access to new employees from any departments for Pan India as per Roles matrix & also doing modifications in role as per required approval.
- Creating Roles & Branches then mapping sales person, credit & all types of internal & external vendors as per company need.
- Creating & mapping all types of vendors (ex. Resi, office, PD, Legal & technical, FCU etc.
- Finding issues & bugs and highlighting with the Product team & policy team to resolve the issue.
- Analyzing the issues and resolving the same, proposing a workaround to maintain the business continuity and ensuring minimum business downtime.
- Assisting employees with more difficult technical issues requires a greater level of personalized care and greater length.
Senior Customer Service Officer - Shubham Housing Finance Company Limited
(2018-06-19 - 2022-09)
- Answered 40+ incoming calls daily and provided instructions for customers pertaining guidelines.
- Handling the customer queries on the call whenever required.
- Handling Customers & Branch E-mails.
- Handling walking customers.
- All cases tagged inc ratio & give a unique reference number to the customers.
Customer Care Executive - ALLIANZ Worldwide Partner (AWP) (India) Private Limited - Gurgaon
(2017-11 - 2018-06)
- Handling the customers queries on the call.
- Register the claims of the accident vehicles.
- Handling the renewal Insurance of the expired policies.
- Handling the queries of Health Insurance Policies.
Customer Care Executive Operations for Punjab National Bank (PNB) - AEGIS Customer Support Services Private Limited (ACSSPL) - Gurgaon
(2017-02 - 2017-10)
- Handling the ND calls.
- Handling the customer queries on the call.
- Handling the Loan calls like- Home loan, Car Loan, Education Loan, Personal Loan, and Government Policies.
- Handling the call of Internet Banking, Mobile Banking etc.
- Handling the call of Credit Card and Debit card info.
- Handling the Fraud calls.
