Credit Officer/Asset Officer - IDBI Bank Ltd
(2025-05)
- Sourcing of Retail and MSME proposals.
- Credit check of proposal for eligibility check.
- Conduct due diligence of the customer.
- Processing of Loan files using digital application/software of banks.
- Process renewal of MSME loans using digital applications as well as physical mode.
- Prepare loan documents and execute as per bank guidelines and laws.
- Security creation and registration as per laws.
- Monitoring the loan portfolio of the branch.
Manager Internal Audit - IDBI Bank Ltd
(2019-01 - 2025-04)
- Developed and implemented audit plans, procedures and strategies in accordance with Internal Standards.
- Analyzed Credit proposal, operations and internal controls to identify areas of risk or non compliance.
- Analyze Credit proposal processed though various digital applications by Retail Branches, Retail Assets Center and MSME center etc. Give advise to concern department on modification/ improvement in digital application required.
- Generate various MIS and analyze the same to find out deviation from guidelines.
- Ensured compliance with applicable laws and regulations through effective auditing techniques.
- Drafted audit reports outlining findings, recommendations and corrective action plans for senior management review.
- Submit the audit report in digital application/system of the bank.
- Demonstrated ability to manage multiple projects and prioritize work assignments effectively.
- Conducting investigation, special audits to find out alleged fraudulent activity and preparing report to be submit to senior management.
- Provide suggestion on best practices for developing policies and procedures that meet regulatory requirement.
- Facilitated cross-functional teams to develop solutions for complex problems.
Credit/Assets Officer - IDBI Bank Ltd
(2014-01 - 2019-12)
- Sourcing of Retail and MSME proposals.
- Processing of Loan files using digital application/software of banks.
- Process renewal of MSME loans using digital applications as well as physical mode.
- Monitoring the loan portfolio of the branch
Officer Operation - IDBI Bank Ltd
(2013-01 - 2014-12)
Handling day to day operations and customer request as per internal guidelines and customer needs.
Finance Officer - Siddhi Engineers - Ahmedabad
(2011-01 - 2012-12)
I was responsible for preparing budget for all four group firms. Ensured arrangement of funds and allocation of fund to various plants and departments of firms.
