Location Manager (Deputy Manager – GB02B) at Bajaj Finance Limited (2024-10 – Present)
On-Role – Risk Containment Unit
- Adherence to the Process & Policies to run Investigation process across the locations for all Product.
- Time to time Circulation of MIS / Reports to the concerned team / departments.
- Investigation for own finding and referral cases as NON Starter, Post Disbursement cases, Business Loan, Personal Loan, Ho Customer care referral cases, Majorly Consumer Durable & Two Wheeler Loan.
- Analysing Employee's activity in term of process violation & bank policies.
- Monitoring Employee's as well as impanelled vendor's Salary account to find out investigation triggers.
- Investigate observed cases and share detail draft report to senior authority in HO for further process and recommended actions.
- To communicate with Vigilance for investigations on Negative/Fraud cases and on other cases as & when required.
- Cross Functional Communications to customers.
- To conduct Surprise visit to various locations of branches based on management's guidelines.
- Agencies and employees. Send periodic reports and diligently follow-up for the necessary actions.
- Field visit for the critical observation cases for the Investigation purpose.
- Maintain all MIS and data for the smooth tracking.
- Coordination & Support with business team with market updates/trends.
- Identifying & Implementation of New Triggers based on ongoing Fraud Trends in the market.
- Keeping track of frauds in the market and ensuring appropriate controls are set to avoid such frauds in our portfolio.
- Keeping close watch on Employee's DSA, FI agencies, Valuation and legal agencies, other outsource and vendors.
Senior Sales Executive at Bajaj Finance Limited (2021-10 – 2024-10)
Off-Role – Consumer Durable Loan
- Generate leads for Consumer Durable Loans through in-store counters, and partner outlets.
- Explain loan products, eligibility, interest rates, and EMI structures to customers.
- Coordinate with retail partners, showroom staff, and dealers to drive loan applications.
- Collect and verify customer documents (KYC, income proofs, invoices, etc.).
- Ensure accurate entry of customer details in the loan application system.
- Conduct preliminary credit checks and submit cases for approval.
- Ensure fast turnaround time (TAT) for login to disbursement.
- Follow up with the credit, operations, and backend teams for case movement.
- Maintain healthy relationships with dealers for continuous business flow.
- Up-sell and cross-sell other products like insurance, extended warranty, etc.
- Track daily sales performance and share MIS with the reporting manager.
- Achieve monthly Consumer Durable Loan targets assigned by the company.
- Ensure compliance with company policies, KYC norms, and regulatory guidelines.
- Provide after-sales support to customers for queries or service issues.
- Attend training sessions to stay updated on new schemes, offers, and product features.
