Credit Manager (Personal Loan/Business Loan) - HDB Financial Services Private Ltd
(2024-08)
- Verify applicant profile assessment and eligibility assessment basis Credit Policy parameters.
- Develop and implement credit policies and procedures to ensure customer creditworthiness and minimize risk of financial loss.
- Analyze financial data and credit reports to evaluate the creditworthiness of potential and existing customers.
- Monitor customer accounts to ensure payments are made on time and in accordance with established terms.
- Prepare reports and present findings to senior management.
- Establish credit limits and payment terms for customers based on their creditworthiness and payment history.
- Coordinating with team members to ensure customers received timely responses.
- Supervise and train credit department staff as needed.
Credit Manager (Personal Loan & CD Loan) - SnapMint Financial Services Private Ltd
(2018-04 - 2024-08)
- Develop and implement credit policies and procedures to ensure customer creditworthiness and minimize risk of financial loss.
- Analyze financial data and credit reports to evaluate the creditworthiness of potential and existing customers.
- Monitor customer accounts to ensure payments are made on time and in accordance with established terms.
- Prepare reports and present findings to senior management.
- Establish credit limits and payment terms for customers based on their creditworthiness and payment history.
- Coordinating with team members to ensure customers received timely responses.
- Supervise and train credit department staff as needed.
- Managing credit as well as operation role as per the norms of the concern bank and NBFCs
- Responsible to deal with bank and NBFC queries related to customers
- Co-coordinating with agency to control TAT to collect customer's docs and to improve quality of verification report.
Senior Credit Officer (CD Loan) - CashCare Technology Company Private Ltd
(2015-11 - 2018-03)
- Verify applicant profile assessment and eligibility assessment basis Credit Policy parameters.
- Preparing Credit Approval Worksheet (Consumer Durable Goods)
- Verification of Cibil Report.
- Verification of Documents like KYC of customer, Banking etc.
- Managing all loan and credit requests and made approval decisions
- Maintained a database of all borrowers in accordance with bank and NBFC standards
- Managing credit as well as operation role as per the norms of the concern bank and NBFCs
- Responsible to deal with bank and NBFC queries related to customers
- Co-coordinating with agency to control TAT to collect customer's docs and to improve quality of verification report
Officer (Mortgage Loan) - Karvy Financial Services Ltd
(2015-05 - 2015-10)
- Credit Approval Worksheet -Loan against Property.
- Verification of Documents like KYC of customer, existing & establishment proof of business.
- Checking files and pendency sent to the coordinator.
- Generate CIBIL and Dedupe check as Fresh Logins
- Track check with different Financial Company and Banks
- Pre-Disbursement process of Mortgage Loan.
- Handling Daily Basis MIS.
- Daily follow up for various reports with agencies like CPV, Valuation Report etc.
- Processing the files from Login to Disbursals include ratio analysis banking, loan mapping.
- Managing Inward, Disbursement and Data Entries in LLM system.
- Interaction with OPS for Disbursement cheques Collections, Disbursal Data, Disbursal Query resolved.
Executive (Housing Loan) - Muthoot Fincorp Ltd.
(2012-12 - 2015-04)
- Credit Approval Worksheet - Business loan preparation involving financial evaluation. Applicant profile assesment and eligibility assessment basis Bank's Credit Policy parameters.
- Manage the Credit Processing Agency for the end to end management of the Business loan proposal files.
- Manage the Credit Verification agencies for supporting the credit Decision process. which includes login of files, documentation and handling disbursement process.
- Managing Monthly Regional MIS issued to Regional Head.
- Data Management in Customer Acquisition System.
Central Processing Unit Officer - Atlas Documentary Facilitators Company Pvt. Ltd. / HDFC Bank Ltd. (Central Processing Unit / Retail Liability)
(2005-12 - 2012-12)
- Fund Transfer – As per all HDFC Branch Request fund transfer CPU Dummy to Branch Dummy, CPU Dummy to Customer Account etc.
- Quality Checking. (Verification of Account Opening forms like Normal Saving A/c, Salary A/c, Fixed Deposit, Recurring Deposit, Current A/c etc.)
- Issuing Hold Fund marked to the Customer Account, Lien Marked the Fixed Deposits, Blocked the whole Account, No Debit Allowed to the Customer Account, No Credit Allowed to the Customer Account as per branch request.
- Reconciliation of Suspense Account – Resolving all Central Processing Units errors like Excess Debit to the Customer, Less Debit to the Customer, Excess amount Booked the Fixed Deposit, Less amount booked the Fixed Deposit, Cheque Returns Account Opened Cases, Wrongly Account Opening Cases etc.
Credit Process Officer - Pamac Finserve Company Pvt Ltd. / HDFC Bank Ltd. (New Car & Used Car Loan Process)
(2004-08 - 2005-12)
- Process of Credit Files for Credit Appraisal.
- Co-ordination of the DSA & mailing status of the agencies.
