CREDIT MANAGER - FLEXILOANS - Mumbai
(2024-02)
Business Loan
- Credit analysis & underwriting of business loan ticket size from 1 lakh to 20 lakhs
- Understanding and working with credit scoring models and identify potential risks
- Underwriting the cases based on documents received such as KYC, Bureau, Banking, GSTR, ITR, Financial statements and policy.
- Track borrower quality and approval matrix
- Conduct verification calls with third parties
- Approving and rejecting the cases based on eligibility.
- Managing overall credit function.
CREDIT Manager - L&T Finance - MUMBAI
(2023-03 - 2024-02)
Tractor Loan
- Handling Maharashtra, Gujarat, Madhya Pradesh branches for Tractor loan applications
- Analyzing all the KYC documents of Customer.
- Visiting branches for auditing and making aware of credit
- Providing training to sales team.
- Knowledge of CAM, CIBIL, FI and Credit verifications
- Verification of documents and CIBIL report
- Discussion with customer through TVR
- Approval authority upto 10Lac
Credit Relationship Manager - HDB Finance Services - Mumbai
(2021-10 - 2023-03)
TW, PL, CD Product
- Checking KYC of Customers as per Company Policy
- Checking CIBIL, RTR & DEDUPE
- Checking LTV Grid as per Surrogates
- Calculating LTV & Interest Rate
- Discussion with customer through TVR
- Communication with SO & SM
- Handling Region Delinquency, fraud and suspected cases
- Online Customer documents RIC, Checking CPV – Office & Residential, Underwriting in LOS System. Approval authority up to 200000
Credit Associate - KOTAK Mahindra Bank - Mumbai
(2019-10 - 2021-10)
Tractor, JCB, SCV Loan
- Working in Central Processing Cell as Credit Associate
- Handling credit process for Tractor loan applications
- Analyzing all the KYC documents of Customer
- Credit Analysis of customers to provide Tractor loan as per process
- Knowledge of CAM, CIBIL, FI and Credit verifications
- Verification of documents and CIBIL report
- Discussion with customer through TVR
- Online Verification of Customer documents
- Checking Mail and Reverting to all PAN India Branches
- Working on LOS
Credit Executive - Tata Motors Finance Ltd - Mumbai
(2018-07 - 2019-03)
CV Loan
- Entering of Customer Financial Data such as Banking, Income Tax Returns, De-dupe and Cibil
- Analyzing all the KYC documents of Customer
- Knowledge of CAM, CIBIL, FI and Credit verifications
- Calculating the eligibility of Customer's Commercial and Personal Vehicle loan as per policy
- Checking CIBIL & DE-dupe defaulter list to filter fraudulent profile
- Monitoring and also preparing Credit Approval Memo
- Plotting Financials Statements. (Trading account, profit and loss account and balance sheet )
- Scrutinizing Bank Statements, Salary Slips Income Tax Papers, Repayment Tracks and any documents provided by applicant according scheme and norm. This involves assessing views on all potential scheme and policy allotted by the company in current process.
- Checking mail and reverting to all PAN India Branches of TMFL
Account Receivable - Gebbs Healthcare Solutions
(2016-06 - 2017-12)
Medical Billing Co.
- Analyzing the claims
- Calling to US Representatives and collect data from them about the customers.
- Identify the Errors and Resolving it.
- Calculating the disbursement amount and claim amount
