Sheetal Chopra

To obtain a responsible position in credit and operations management where I can utilize my analytical skills, loan processing expertise, compliance knowledge and team handling abilities, ensure efficient, customer-focused operations.

Branch Operations Manager at Poonawalla Fincorp (2024-06 – Present)

Cross Checking Legal Report & Technical Report, Checking Documents as per Legal Report, Disbursement management, Sanction Letter & Sanction Condition verification, Document filing and dispatch, Payment collection, MIS maintenance, Credit & operation department records management

• Cross Checking Legal Report & Technical Report
• Checking Documents as per Legal Report
• Disbursement – ensure pre and post approval documentation is accurate
• Check Sanction Letter & Sanction Condition before disbursement
• Book dockets, file dispatch to center ops team within TAT
• Collect all OTC/PDD before handover
• Maintain monthly data such as Login MIS, Disbursement MIS, Legal Bill invoice
• Raise requests according to customer demand
• Collect payments (foreclosure, part payment, EMI) for next-day banking
• Maintain all register-related credit & operation department records

Senior Credit Officer at IndiaBulls Housing Finance (2022-09 – 2024-05)

Submitting loan files with proper documentation, Preparation of CAM of loan proposals, Preparation of PD Note & Score cards, Primary Data Entry and verification, Fetching verification reports and maintaining documentation

• Submitting loan files with proper documentation
• Preparation of CAM of loan proposals including financials, banking, ITRs, GST, TDS
• Preparation of PD Note & Score cards
• Primary Data Entry and verification
• Fetching verification reports and maintaining documentation

Senior Credit Officer at IndiaBulls Housing Finance (2018-10 – 2019-12)

Report creation for incoming cases, CAM preparation with Financial Manual plotting, Sales executive coordination, Insurance Proposal preparation, Vehicle insurance calculation, PDD upload, Cheque handover and SOA checks

• Report creation for incoming cases
• Prepare CAM with Financial Manual plotting
• Coordinate with sales executives
• Prepare Insurance Proposal
• Calculate vehicle insurance & handle queries
• Upload PDD in Software
• Cheque handover and SOA checks

Operations Officer at HDFC Sales Private Limited (2011-11 – 2017-03)

Document verification as per policy, Imaging and archiving of loan documents, MIS preparation, Branch coordination for discrepancies resolution, PDC pull outs & physical file dispatch, Audit discrepancies resolution

• Verify documents as per policy
• Support imaging and archiving of loan documents
• Prepare Payment MIS and login MIS
• Coordinate with branch to resolve discrepancies
• PDC pull outs & physical file dispatch with TAT
• Resolve audit discrepancies

MBA in Finance – Kurukshetra University (2011-07)

Bachelor of Arts – Kurukshetra University (2009-07)