Arvog is a new-age, AI/ML-powered, customer-centric finance company that makes digital lending quick, efficient, and easy. We focus on digital personal loan and digital gold loan.Arvog (Finkurve Financial Services Limited) is a listed company on the BSE limited (Bombay Stock Exchange - 508954) and registered as an NBFC (Non-Banking Financial Company) with the RBI (Reserve Bank Of India).

A startup NBFC received licence from RBI in June'18, I joined as one of initial founder member and responsible for establishes a complete delivery mechanism of Customer loan life cycle from scratches.Managing operating process and controls, helps in building credit & risk policies, branch process & controls, Co-lending / business correspondence on-boarding, eco-partners. Also responsible for business re-engineering, business continuity management, Audit and controls and Information Technology etcSuccessfully started sourcing in 4 states through our own branches and BC model with primary focus on Impact based MSME loans segments or similar on lending or co-lending partnerships.Responsible for complete delivery eco-system to support and build MSME book for Svakarma Finance

• Reporting and working closely with CEO and Product and credit head.• A competent and committed Banking & Finance professional, with nearly 5 years of experience in New Product Development ,Channel Finance, Credit Risk ,Collection & PAR management, Loan Syndication and Relation Ship Management• Currently Launched Lease finance and Vendor Finance products• Sales of Loan against properties, Mortgages & Unsecured loans to Small and Medium enterprises.• Possess thorough knowledge of Credit Analysis, Credit Sanction & Review, Bank/Investor Relationship Management, Cash Management, Financial Analysis and Documentation• The responsibilities include New Product Development, Team management, Credit appraisal of lending proposals to SME/Large Corporates, Risk assessment, Delinquency Bucketing and rating and making recommendations to approving committees• Posses thorough understanding of regulatory norms and applicable accounting policies• Possess strong Business Knowledge, with knowledge of Capital Markets, Securities, Fixed Income, Interest Rate, Credit Risk, Balance Sheet, P&L and Cash Flow Analysis (Bonds)• Highly result-oriented analytical professional with solid financial and statistical reporting background• Consensus-driven communicator; liaise across various processing teams • Excel at interacting with individuals at all levels, to ensure that organizational goals are attained• Highly effective in supervising and motivating individuals to their fullest potential

Responsbilities• Maintain relationship with mapped clients for checking requirement of product.• Manage and monitor post sanction process of the allocated commercial loan portfolio including documentation, ROC creation, Mortgage execution, legal vetting of documents and disbursements etc• Post approval stage checking of property documents, Legal & Valuation reportMonthly/periodical monitoring and reporting of the overdue positions, recovery, utilization of limits, AML alerts, issuance/signing of Liability letters etc. • Monitoring the overall functioning of processes pertaining to allocated portfolio, identifying improvement areas & implementing adequate measures to minimize credit risks• Credit appraisal of lending proposals to SME/Large Corporates, risk assessment and rating and making recommendations for approval.• Assist in mapping business requirements & coordinating in developing & implementing processes in line with the preset guidelines, lead and/or assist selected process initiatives• Cross Selling• Perform Reconciliation of system flows to resolve breaks and increase efficiency• Liaison with banks and customers to keep regular track record of bank limits and interest rates • Coordinate with the team across all departments to ensure the team meets the goals • Process invoices as per SLA on due dates based on double entry system• Manage allocated NPA and Overdue portfolios Compliance & Ethics - Ensure 100% compliance and adhere to company’s best practice

• Liaison with banks to keep regular track record of bank limits and interest rates • Liaisioning, interacting and follow up with Banks / FIs for sanction and negotiating the terms of Sanction• Structuring the proposal and preparing Information Memorandum, Financial model, CMA Data, Request Letters and other documents pertaining to the Proposal for submission to Banks / FIs• Prepare Loan Syndication/ documents as per RFP/RFQ and proposal documents• Loan Syndication.• Calculate the Interest Payment on fixed income securities• Obtaining sanction and handling post sanction formalities with the Clients and the Banks /FIs for documentation• Direct Liasoning With Bankers.• Co-ordinate with Local Custodians on confirmations, trade settlements and Funds Management• To get Overdraft facilities for working capital .• Maintain and prepare cash flows, monitor P&L impact of trades throughout the lifecycle• Build financial models for calculating cash flows for settlements• Provide ROI statement to clients on existing fund managed