Credit Manager - Loan Against Property, (Affordable) at Tata Capital Ltd (2025-05-07 – Present)
- Appraising proposals, conducting risk analysis & scrutinising relevant documents before sanctioning / disbursing loans, ensuring compliance with organisational credit policies.
- Monitoring sanctioned cases for nonstarters/Cheque bounce trends and understanding channels and their sourcing pattern.
- Periodical Conducting PD-Customer visits for Verifying Business activity and Mortgaged Properties -Visits along with Business Team.
- Initiating legal and Technical reports and Co-Originating with Emplaned Valuers and Legal advocates.
- Manage CPAs, Legal agencies, Technical agencies & verification agencies to facilitate the quick turnaround of credit lending proposals.
- Assess and conduct detailed credit analysis & evaluation of lending proposals for decision at the local level and further recommendation for decision at the Regional / National / Credit Committee levels.
- Regularly conducting training and educating RM's and CPA's on various banking products and guiding them in submission of files as FTR for audit compliance.
- Periodic review of product processes and work towards modifications in the process
- Production & Efficiency tracking of Audit quires to identify bottlenecks and have them rectified on regular basis.
- Checking the reports sent by field investigator and Risk control unit for the product and finally deciding the eligibility of customer. Referring Financial Statements to FCU (Fraud Control Unit) if there any manipulations in Financials.
- Monitoring on Timely preparation and submission of MIS reports and various other periodical reports.
- Preparing CFA (Cash Flow Analysis) and CAM (Credit Analysis Module),Analysing banking to assess the Applicant.
Branch Credit Manager (Assistant Manager) at Cholamandalam Investment and Finance Company Ltd (2023-09-15 – 2025-05-02)
- Products: Home Loans, LAP
- Working experience in Secured loans (Home loans, LAP) and handling the secured Mortgage loans
- Conducting CIBIL & De-dupe for each individual
- Pitching Credit Appraisal Memo (CAM) for each proposal.
- Preparation of Banking & Ratio Analysis for different profiles.
- Conducting PD visit to the property and the belongings and analysis income levels
- Credit underwriting process
- Legal & Technical Initiation and Verification
- Updating Customer details in Finnone (Application Processing System).
- Initial file screening, file checking, file order & file process
- Involve in disbursement process from end to end
Branch Credit Manager of Secured & Unsecured at Fullerton India Credit Company Limited (2022-04-20 – 2023-09-08)
- Products: BL, LAP
- Working experience in Secured &Unsecured loans (PL, BL) and handling the secured Mortgage loans
- Conducting CIBIL & De-dupe for each individual
- Pitching Credit Appraisal Memo (CAM) for each proposal.
- Preparation of Banking & Ratio Analysis for different profiles.
- Conducting PD visit to analysis income levels
- Credit underwriting process
- Legal & Technical Initiation and Verification
- Processing in LOS
- Initial file screening, file checking, file order & file process
- Involve in disbursement process from end to end
Credit Manager at Mahindra Rural Home Finance (2021-04-20 – 2022-04-18)
- Interact with customer directly.
- We verify the KYC, property, cost of property and income source.
- Risk category.
- We process the files through technical and legal.
- We Process the E-NACH and Files send to RO.
Credit & Operations Coordinator at Hinduja Leyland Finance Ltd (2018-03-14 – 2021-04-04)
- Receiving files from Product In-charge.
- Kneeing and generating application code.
- Verifying the Cibil.
- Generating Contract Number.
- Generating Repayment Schedule then aGer releasing payments.
- Checking PRS ( Proposal rating sheet ) with Good customers.
- PDD clearing with in TAT
- Generate Repo bills.
- updating from location to
- Pick list Generation.
- Finally physical files dispatched to CPCC head office with in TAT and without query
