Credit Analyst - FlexiLoans Technologies Pvt. Ltd.
(2023-08)
Business Loan - unsecured - Supply Chain Finance (Internal Posting)
- Making CAM (Credit Assessment Memo) and pulling consumer and commercial CIBIL (Transunion) reports
- Maintain MIS and help prepare various reports and presentations for the stakeholders
- Analyze Credit data, Financial statements, GST returns to determine the degree of risk involved in extending credit or lending money
- Ensure quick turnaround of customer loan applications, including credit analysis and summaries of loan requests, and submit to credit managers for Tele PD / Physical PD
- Tele PD of the customer to check the exact requirement and knowing about the background
- Analyze lending decisions – accept and reject cases on an ongoing basis
- Generate financial ratios to evaluate customers financial status
- KYC check of Loan application and supporting documents
- Analysis of CIBIL Report, Internal and External dedupe
- Analyzing of Bank Statements (EMI obligations, internals & Loan Disbursement)
- Timely processing of the proposals as per TAT
- Providing training to the new Joiners
- Worked on LOS and LMS
Credit Executive - Ditya Finance private Ltd (Mswipe)
(2022-03 - 2023-08)
Business Loan - unsecured
- Prepare and update excel sheet
- Checking and Verifying the documents received from sales team
- Data entry of all login cases via multiple channels on multiple working platform
- Moving cases from DDE to Credit Approval on Finnone
- Initiating all Reports against the case on the 3rd party platforms, such as Bureau, Novel, CPV/FI
- CIBIL and Novel Underwriting
- Coordinating with third party to Receive on TAT
- Preparation of Pre Disbursement data (KIT STATUS)
- Making MIS report on daily basis
- Resolving queries on mail
Credit Reviewer (Back office executive) - Pamac Finserve Private Ltd
(2017-11 - 2019-05)
Indiabulls Venture Pvt Ltd (Personal Loan) and SREI Equipment Finance Ltd (Equipment Loan)
- Preparation CAM (Credit Approval Memo) (Project duration 3 months)
- Login and document check
- Bank statement analysis, data updation in CRM with initiation of required other check
- Quality check of CAM
- Send mail to the Clients
- Process Application file
- Updating data with cross verify with KYC / CIBIL & FI Report
- Screening = Document Screening (Scrutiny of KYC)
- Maker = Data entry necessary Field i.e. Disbursement Amt, Date etc...
- Author = Review Eligibility & 1st stage approval for disbursement
- Documents screening as per company norms
- Making MIS Report through MS Excel
