Jay Sarathe

Seeking a career opportunity that offers continuous learning and growth, where my experience and vision can be effectively utilized to contribute to organizational success.

Branch Credit Manager - Greenfinch Global Consultancy Pvt. Ltd.

(2025-03 - 2026-05)

• Conducted credit appraisal and underwriting for Home Loans, LAP, Business Loans, and Personal Loans in line with NBFC and banking policies.
• Assessed applicants' income, cash flows, FOIR, and repayment capacity to evaluate overall creditworthiness.
• Performed residence, business, employment, and collateral verifications to validate customer authenticity and risk profile.
• Verified KYC, banking, income, and collateral documents to ensure regulatory and policy compliance.
• Prepared detailed credit notes, risk observations, and MIS reports using MS Excel to support credit decision-making.

Credit Officer - Bajaj Housing Finance Ltd.

(2023-08 - 2025-03)

• Evaluated Home Loan and Prime LAP applications through detailed credit risk assessments and financial analysis.
• Performed underwriting and credit decision-making based on financial ratios, banking behavior, and repayment capacity.
• Conducted physical and video personal discussions (PDs) to assess applicant credibility and authenticity.
• Prepared Credit Appraisal Memorandums (CAM) for loan approval recommendations.
• Monitored EMI performance and prepared MIS reports for portfolio tracking and risk management.

Senior Officer – Operations - Jana Small Finance Bank Ltd.

(2022-11 - 2023-08)

• Oversaw branch operations and supervised workflow to ensure smooth functioning.
• Managed end-to-end micro-loan processing and disbursement activities.
• Conducted KYC verification and customer eligibility assessments as per policy guidelines.
• Supported MIS reporting and daily operational activities.
• Maintained accurate and compliant loan documentation records.

Credit Verification Officer - IndusInd Bank Ltd.

(2022-05 - 2022-09)

• Managed tractor loan files from login to disbursement.
• Verified KYC, application forms, income proof, and supporting documents for credit processing.
• Prepared MIS reports and supported operational reporting activities for the cluster.
• Processed customer requests related to NOC documentation.

Data Entry Operator - IFFCO TOKIO General Insurance Co. Ltd.

(2019-04 - 2022-05)

• Managed motor claim data processing and reporting activities.
• Coordinated with customers, surveyors, and investigators for timely claim settlement.
• Maintained claim file records and published daily MIS reports to senior management.
• Uploaded claim-related documents into company software and maintained record center documentation.

Executive - Yes Bank Ltd.

6 months experience

Office Assistant - Zero Error

9 months experience

Master of Commerce - M. Com - Barkatullah University, Bhopal

Bachelor of Commerce - B. Com - Barkatullah University, Bhopal

Higher Secondary - PCM - M.P. Board

High School - M.P. Board

PGDCA - MCU Bhopal