Payal Joshi

Result-oriented professional with 8 years of relevant experience in operations, loan preparation, documentation, compliances, customer services, and corporate credit monitoring. Proven ability to manage and streamline processes, ensure compliance with regulatory standards, and enhance customer satisfaction. Adept at corporate credit analysis and monitoring, with a keen eye for detail and a strong commitment to achieving organizational goals.

Seeking senior-level assignments to leverage expertise and contribute to the success of a leading organization.

Credit Admin & Monitoring Manager-Corporate Banking - Axis Bank - Ahmedabad, India

(2019-08)

Serve as a multi-functional Credit Admin team member, managing the end-to-end working capital process and providing comprehensive solutions for corporate banking customers. Handle a large and diverse portfolio.

• Scrutinize sanction letters and conduct thorough credit memo analysis.
• Ensure compliance with pre-disbursement conditions.
• Prepare and execute documentation on a case-by-case basis.
• Oversee the security creation process, including documentation and vendor management.
• Disburse facilities such as Channel Finance, Cash Credit, Term Loans, EPC/PCFC, and others; manage renewals and maintain the customer portfolio.
• Conduct monitoring parameter analysis and generate reports.
• Register charges with CERSAI and SRO.
• Provide exceptional customer service, follow-up, and update the MIS.
• Manage portfolios including Channel Finance, SEG, MEG, and CRG.
• Continuously monitor account positions.
• Analyze various reports such as Process Control Audit Reports, Credit Audit Reports, and Short Review Reports.
• Execute and manage process control audits and credit audits for other branches.

Branch Operations Manager - Aadhar Housing Finance - Bhopal, India

(2016-03 - 2019-08)

Managed the disbursement process for all division files, ensuring proper documentation and submission to the Head Office after branch-level disbursements. Conducted thorough file checks before login, including verifying KYC documents, ID proofs, address proofs, banking details, income proofs, and processing fees.

• Performed pre-booking checks, including verifying Legal Search Reports (LSR), Technical Search Reports (TSR), PDC collection, ECS mandates, credit condition compliance, and system entries (OTC and PDD).
• Ensured all disbursement criteria were met, including checking DM, LCR, and LTV norms.
• Verified fulfillment of all sanction and legal conditions, ensuring receipt of legal documents and system updates before handing over disbursement cheques.
• Managed the CSO profile for walk-in customers, providing comprehensive support and services.
• Handled daily cash and cheque transactions for EMI collections at the branch.
• Managed vendor bills, employee expenses, and other payments.
• Booked disbursement cases post-TSR approval, generating loan codes, updating fees, and ensuring compliance with sanction conditions.
• Oversaw the empanelment of legal vendors for the company.
• Managed day-to-day commercial activities, including maintaining inventory registers, DCR registers, and MR registers for auditing purposes.

M.Sc. - Computer Science - Barkatullah University (2016)

B.Sc. - Computer Science - RDVV University (2014)