Jan-20 to Till CI CAPITAL INDIA PVT. LTD (Bhopal) Designation: Credit Head Auto Loan, PL, BL & lap product
Job responsibilities:
- Prepare credit policy for Auto Loan, Personal Loan, BL & LAP.
- Look after team management & Business portfolio.
- Startup of new NBFC activities like ECS, Insurance, CIBIL UPDATION, SOFTWARE ESTABLISHMENT, CKYC etc.
- Evaluated and priced the degree of financial risk of customer, vehicle, and loan structure.
- Conducted sales & credit team training.
- Underwriting of all cases.
Note : July 19 – Dec-19 months I have appointed in HDB financial as BCM, But I was not comfortable with there working culture, so resign before confirmation.
Oct-17 to Jun- 19 Shubham Housing Finance (Bhopal) Designation: Credit Manager Housing Finance
Job responsibilities:
- Handling secured product like Home loan, Home improvement, Resale, seller Bt, LAP etc.
- Personal discussion with client on his premises.
- Document verification and checking.
- Evaluating client capacity, structure loan, and decision.
- Underwriting of all amount loan.
- Maintain policy adherence and assured collection of loan.
- Disbursement process check by policy adheres.
Dec-16 to Oct-17 Janalakshmi Financial Ltd (Bhopal) Designation: Credit Underwriter Microlite product Executive
Job responsibilities:
- Handling secured & unsecured Business loan product.
- Personal discussion with client on his premises.
- Document verification and checking.
- Evaluating client capacity, structure loan, and decision.
- Underwriting of all amount loan.
- Maintain policy adherence and assured collection of loan.
Reason for Leaving : Company windup her setup from Bhopal.
Nov 14 to Dec-16 HDFC Sales Ltd (Bhopal) Designation: Credit Officer HOME LOAN
Job responsibilities:
- Handling complete retail product bouquet comprising of Loan process.
- Credit appraisal with terms and conditions as per profile to profile.
- Analysis the cases for future prospects with long term relations with organization.
- Responsible for login file and generate query for different profiles viz Salaried, SENP, SEP & NRI.
- Reviewing all loan application documents and making sure that all attachments such as Appraisals, Job verification & Bank A/C verification, Dedupe, Cibil etc. have been completed and submitted.
- Responsible to conform the process requirements as per policy.
- Maintaining and Nurturing key Relationship Management.
Reason of leaving: Batter prospects.
June12 to Dec-13 ICICI BANK Ltd (Mumbai) Designation: CPA Manager HOME LOAN
Job responsibilities:
- Handling complete retail product bouquet comprising of Loan process.
- Manage the 45 counselor team, for their requirements.
- Responsible for login file and generate query for different profiles viz Salaried, SENP, SEP & NRI.
- Excellent knowledge of sanction file appraisal in finone & Finacle software.
- Reviewing all loan application documents and making sure that all attachments such as Appraisals, Job verification & Bank A/C verification, Dedupe, Cibil etc. have been completed and submitted.
- Responsible to conform the process requirements as per policy.
- Complete knowledge of different type disbursement Mortgages like Home Loans, Loan against property, Business Loan.
Reason of leaving : Marriage process were going from my native place.
Jul-10 to Dec -11 Credila An HDFC Ltd (Mumbai) Designation: Asst. Manager Education Loan with mortgage (Operation)
Job responsibilities:
- Handling complete retail product bouquet comprising of Educational Loan.
- Documentation of all disbursement process, resolve the queries of customer.
- Co-ordination with superiors for amendment in work process.
- Agency controller for good functionality.
- Telephonic discussion & Personal discussion with customer for check customer requirement & his behavior
- Full co-ordinate with customer for there needs of education loan in India & Abroad.
- Co-ordinate with forex converter agencies.
Reason of leaving: Mother had severe health problem & Sister marriage function. For both need break from career for two or three months.
Feb' 2007 to Jun 2010 date ICICI BANK LTD, Bhopal Designation: Credit Associate
Loan Against Property (LAP)
Job responsibilities:
- Handling complete retail product bouquet comprising of Loan Against Property, OD(Over Draft facility) and Lease rental
Discount.
- Responsible for login file and generate query for different profiles viz Salaried, SENP, SEP & NRI.
- Responsible for calculating loan eligibility considering many factors for all file types.
- Managing sanctioning targets so as to manage area as profit center.
- Excellent knowledge of sanction file appraisal in finone & Finacle software.
- Reviewing all loan application documents and making sure that all attachments such as Appraisals, Job verification & Bank A/C verification, Dedupe, Cibil etc. have been completed and submitted.
Reason of leaving: Got opportunity in Mumbai for betterment.
