Aug 2023 – Feb 2025 · 1 yr 6 mos · Noida, Uttar Pradesh, India · On-site

• Having sanctioning and credit underwriting authority of Rs.5 lacs and recommend cases up to 25.00 Lakh 10 lakhs under assessment and above 10 lakh with income document likes ITR, GST returns and ABB banking Handling 8 Credit Managers and 2 Credit officers. Handling the 9 Branches in Delhi NCR and UP Monitor the non-starter and 180 DPD cases Structuring the deal basis personal interview with customer, financials and regulatory compliance. Reviewing the existing book and fresh acquisition, providing suggestions or suggest early measures for the improvement in quality of the book. ?Building the team of Credit Managers/ CPA and managing the risk in the Zone. ?Team Monitoring, development, hiring, training, retention and vendor reports. ?Having sanctioning and credit underwriting authority of Rs.5 lacs and recommend cases up to 25.00 Lakh Audit checks and Quality Control of booked business for Branch, Area & Region. Vendor Creation, Management, Cost Control. Maintain sanction to login ratios and ensure to not breach TAT. ?Looking after entire underwriting process from PD & Disbursal to Audit. Regular Training and up gradation to credit and login teams Coordination with legal, Ops and account teams ?Checking the all files login to disbursal

Sep 2017 – Jul 2023 · 5 yrs 10 mos · Noida, Uttar Pradesh, India · On-site

• 1. Appraise and Underwriting the loan of Business loan and Loan against property in Delhi NCR 2. Credit Underwriting, monitoring of risk, and Monitoring of disbursement process, &monthly training to sales staff for new changes in policy and process, 3. Handling Business loan & Loan against Property 4. TVR in all Loan and cross check all detail with credit engine 5. Analysis of loan proposal to assess credit risk line with the company policy 6. Interacting with customer for pre- and post-loan service 7. Maintain the TAT for loan, disbursement, PDC, ACH etc. 8. Provide to customer original properties documents after loan closed 9. Monitoring bill and vouchers with necessary supporting documents and getting the same passed by concern authority 10. Managing Delhi NCR including base branch NOIDA UP 11. Appraisals of high value Loan Proposals directly as well. 12. Personal Discussion with Customer as part of Loan appraisals 13. Vendor Management 14. Handling the 4 Credit officers, One Assistant Manager Credit and One Collection Officer.

Oct 2015 – Sep 2017 · 1 yr 11 mos · Noida, Uttar Pradesh, India · On-site

• 1. Responsible for PD and Underwriting of BL and LAP in Delhi NCR 2. Manage credit quality and Control delinquency 3. Understand Credit Policy and processes as well as Credit environment in the Branch and location. 4. Ensuring appropriate work allocation 5. Responsible for updating and maintain sound market intelligence of BL and LAP Business. 6. Investigation on pre-acquisition Frauds. 7. Managing Weekly and Monthly MIS and Tracking. 8. Assessing training needs to accelerate his Team’s Performance. 9. Monitor and enforce approval rate and TAT as per prescribed standards. 10. Managing Manpower requirement on timely basis. 11. Handle the 3 Credit Officers and 2 Assistant Credit Managers.

Oct 2010 – Oct 2015 · 5 yrs · Lucknow, Uttar Pradesh, India · On-site

• 1. Check the files as per credit policy (Manual work) 2. Analyse CIBIL and DEDUP 3. Initiation of TVR / CPV and KYC to credit 4. I check the CIBIL (Credit Information Bureau of India Limited) report of customers for new & EB loan. 5. Co-ordination with respective CPV for Fresh/Renewal/Closure cases. 6. strong initiative, communication and interpersonal skills 7. Maintaining records and registers (content register) 8. Approve and Sanction loans within specified limits and refer loan applications outside those limits to management for approval. 9. Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information. 10. Review and update credit and loan files. 11. Prepare Balance sheet, cash flow, liabilities, inventory and etc. 12. Prepare Cam Report with all required details 13. Abilities in handling quality of Branch Portfolio, customer service operations. 14. Manage good relation from all vendors like FCU Unit, Legal and Technical. 15. Conducting PD of LAP