Sanjay.b.r B.r

Seeking a career in the industry where my knowledge, ability and skills were utilized for my personal as well as the growth of the organization. I am looking forward to contributing my ability, skill and knowledge to the organization and developing myself to fulfill the requirements of the Organization.

BCM (Branch Credit Manager) - ZINKA LOGISTICS SOLUTIONS LIMITED (BlackBuck) - Bangalore

(2023-11)

Handling three branches in Bangalore, underwriting of Commercial vehicles, verification of customer KYC from Credit Portal and recommend the case by Credit Portal

• Working as BCM
• Handling three branches underwriting of CV in Credit Portal
• Verifying customer documents in Credit Portal
• Calling customers over the phone and verifying customer's details
• Verifying business details and background of customer's by calling
• Verifying customer kyc and business documents
• Verifying cibil, banking and eligibility of customers by Credit Portal
• Conducting VFI (Video Physical Details) through online portal (IDFY)
• Recommend cases through credit portal, sanctioning of loans
• For clearance of loan sanctions as recommended by Level -1 on condition over e-mail to customers (High Loan Amount)
• Visiting customer's places to check family background and incomes
• Updating PDD by Credit Portal
• Collection following till 6months and checking Delinquent cases
• Visiting delinquent case with CRO and discuss with customers

Credit Analyst - PROTIUM FINANCE - Pan India

(2022-07 - 2023-10)

Handling pan India underwriting of BL and LAP, verification of customer KYC from CRM and recommend the case by CRM

• Working as Credit Analyst
• Handling Pan India underwriting of BL and LAP in CRM
• Verifying customer documents in CRM
• Working in digital micro of online loan process
• Calling customers over online intalk and verifying customer's details
• Verifying business details and background of customer's by calling
• Verifying customer kyc and business documents
• Verifying income documents of GST and ITR by CRM
• To Calculate GST returns of customer on yearly basis of Pvt. Ltd. and Partnership companies
• Conducting VPD (Video Physical Details) through online (Work apps)
• To verify customer's business location and business setup through VPD (Video Physical Details)
• Recommend cases to Level 1 (Senior Credit Analyst) for sanctioning of loans
• For clearance of loan sanctions as recommended by Level -1 on condition over email to customers

Assistant Manager (Area Credit Manger) - FORTUNE INTEGRATED ASSETS FINANCE LIMITED, B'LORE. - Pan Karnataka

(2016-04 - 2022-05)

Handling Pan Karnataka for credit team of process in Checking KYC of customer's and approving the login files, Comprising of All Commercial Vehicles in Pan Karnataka.

• Pre login checking of kyc and processing for system login
• Credit interacting with HO and escalating for approvals
• Data rectification and updating customer's details in ominfin
• Checking cibil reports of customer's and also cibil score of customer's
• Profiles of customer's
• Handling disbursement and payment to dealer customers
• Physical file and sending physical files to HO
• Updating PDD, RC, invoice and insurance details in web(ominfin) all branches of PAN Karnataka
• Maintaining daily reports MIS and communicate with dealer for TA balance, documents, invoice copy, RC card
• Issuing the payments to dealer
• Compiling and preparing MIS report of business and collection report updates on daily basis
• Customer's PD done by visiting their homes
• Collecting information of customer's background, income details and family details of customers on case-to-case basis

BCE (Branch Credit Executive) - HDB FINANCIAL SERVICES LTD, B'LORE - Bangalore

(2015-10 - 2016-04)

Handling branch credit and operations in Bangalore, Making CAM and DM report of loans in branch.

• Worked under BCM
• Handled branch credit and operation in Bangalore
• Preparing CAM reports and DM reports of customers of loan
• Handling cash depart of branch also deposit of branch
• Handling credit and operation department in branch
• Checking files of loan likes PL, EBL, PPL LAP, BL and Mortgages loan of branch
• Visiting customers place for PD
• Doing CAM and DM report after visiting customer place
• Checking labilities of customer
• Sanction of loan after checking labilities
• Preparing MIS report of customer daily wise and monthly wise
• Verification of customer profile

BCO (Credit and Operations Executive) - FAMILY CREDIT LIMITED, B'LORE (L&T FINANCIAL SERVICES) - Bangalore (HUB)

(2013-02 - 2015-09)

I have joined the said institution with a designation of BSO (Credit and Operations Executives). My work areas were handling Used vehicles and New vehicles of four wheelers loan, checking kyc of the customers, processing the files of loan, interacting with credit manager and with risk head in HO, escalation files of approvals with HO, handling disbursement and payment, verification of files and field invests reports, TVR reports, processing files for RUC to check customers profiles, checking valuation reports of vehicles, preparing MIS report of customer daily wise and monthly wise in my location.

Tele sales (Domestic process Outbound) - AEGIS BPO PVT LTD

(2011-06 - 2012-05)

Working under BPO Company as tele sales in domestic process outbound of voices process, where we are explaining about health insurances over the phones of the planes to customers and selling insurances policy over the calls to customers.

BSc - Computer Science - Rajajinagar Parent's Association Frist Grade College Bangalore

Pre-University - SARVODAYA PRE-UNIVERSITY

S.S.LC - ST. MIRA'S HIGH SCHOOL