Managing Team of Area Credit Manager and Branch Credit Managers across Zone & Clusters.Evaluating new areas and branches for business development.Recruitment and Team Development for the Zone.Portfolio monitoring and Compliance to various regulatory parameters.Process set up for Credit, Sanctioning and disbursement.

Due Diligence in credit analysis, application screening, evaluation, underwriting and sanctioning of loan.Conducting an objective and thorough credit analysis of the credit-worthiness of borrowers using analysis of historical and projected financial statements.Biographical data, market information, credit reports and identify key transactional risks & mitigates.Structuring credit proposals aligned with risk standards with understanding of the client's strategic and financial… Show more Due Diligence in credit analysis, application screening, evaluation, underwriting and sanctioning of loan.Conducting an objective and thorough credit analysis of the credit-worthiness of borrowers using analysis of historical and projected financial statements.Biographical data, market information, credit reports and identify key transactional risks & mitigates.Structuring credit proposals aligned with risk standards with understanding of the client's strategic and financial objectives/needs. Engaging directly with customers on periodic basis to monitor customer’s business health and give assessments and early warnings signals Generating ideas for improving lending process efficiency.Ensuring compliance with the benchmark Turnaround Time. Managing the portfolio, through comprehensive portfolio information and triggers, to ensure it maintains its intended risks and return profileKeeping track of delinquency levels and ensuring that requisite follow up is being done with front end to ensure that over dues are regularized in a time bound manner. Portfolio monitoring / tracking & escalation of adverse new events in company / industry. Ensuring meticulous compliance with internal credit policy as well as regulatory guidelines.Enhancing the risk management capabilities in the LAP, BL, PL and Auto Loan finance business by managing the consumer credit asset portfolio, manage various risks, implement effective mechanisms to mitigate them and frame guidelines for fraud detection & control as per regulatory requirements and leading industry practices.From Show less

Executed plan for monitoring of monthly budgeting division wise through system.Developed internal audit plan based on business and operational areas.Reported major irregularities to management on operational and financial activities.Involved with various department for integration of application and process for better control.Evaluating internal control systems / procedures and preparing audit reports with a view to highlight the shortcomings and implementing… Show more Executed plan for monitoring of monthly budgeting division wise through system.Developed internal audit plan based on business and operational areas.Reported major irregularities to management on operational and financial activities.Involved with various department for integration of application and process for better control.Evaluating internal control systems / procedures and preparing audit reports with a view to highlight the shortcomings and implementing changes.Financial irregularity resulting into loss was reported to management and designed process to prevent the same. Show less

In-charge of internal audit team handling various assignments of financial and operational audit.Executed risk based audit reviews of financial and operational business processes to ensure controls are adequately designed and operating effectively and compliance with company policies and related regulations.Ensuring effective and timely communication of audit results by discussing with management control weaknesses identified and recommended corrective action.Interaction with… Show more In-charge of internal audit team handling various assignments of financial and operational audit.Executed risk based audit reviews of financial and operational business processes to ensure controls are adequately designed and operating effectively and compliance with company policies and related regulations.Ensuring effective and timely communication of audit results by discussing with management control weaknesses identified and recommended corrective action.Interaction with department heads for review of process and control environment.Documenting audit observations and ensuring audit recommendations and findings including accuracy, completeness, sufficiency of scope and satisfactory disposition of all issues. Show less

Highlighting key business issues and be pro-active in identifying risks, proposing changes and suggesting actions to be taken to improve results.

Responsible for Group Profitability, MIS for different verticals, Performance Analysis.

Underwriting for unsecured loans, portfolio monitoring.

Sanction and disbursement of unsecured loan

Finance & Accounts Job Profile:Accounts & AuditPreparation of financial results on quarterly and annual basis and Interaction with Internal and Statutory auditors.Finalisation of annual accounts complying Statutory & Tax law requirements. Interaction with Statutory & Internal auditors.Analysis for bills receivables, payables. Reconciliation statement for Bank accounts and debtors control account.Taxation Computation of Income tax liability… Show more Finance & Accounts Job Profile:Accounts & AuditPreparation of financial results on quarterly and annual basis and Interaction with Internal and Statutory auditors.Finalisation of annual accounts complying Statutory & Tax law requirements. Interaction with Statutory & Internal auditors.Analysis for bills receivables, payables. Reconciliation statement for Bank accounts and debtors control account.Taxation Computation of Income tax liability , Advance tax payment and preparation of Corporate Tax return and e-TDS returns.Responsible for Handling employees taxations matters, TDS deductions , filing Salary & TDS return.MIS, Budgeting & ForecastingPreparing various MIS reports, forecasting & preparing Cash Flow Statement and Variance Analysis for deviation from Actual, Preparation of quarterly and yearly Budget. Cost AccountingPreparation of Cost Accounts as per the requirement of law and reconciliation with financial accounts. Treasury & Cash ManagementPreparation of financial information report i.e. CMA Data FFR report for maintenance of credit limit and renewal. Periodical working capital analysis.Cash and Fund Flow Statement preparation. Show less

Job Profile:Handling the assignments of Statutory Audits, Internal Audits & Tax Audits including finalization of accounts with detail schedules. Checking of costing, budgets, and making comparison with actuals and analysing of variances.Analysis of Debtors and creditors, checking of Bill Discounting transactions, H.O. - Branch a/c reconciliation including interbranch reconciliation. Involved in compliance with the Statutory Liabilities like; TDS, Sales tax, Professional… Show more Job Profile:Handling the assignments of Statutory Audits, Internal Audits & Tax Audits including finalization of accounts with detail schedules. Checking of costing, budgets, and making comparison with actuals and analysing of variances.Analysis of Debtors and creditors, checking of Bill Discounting transactions, H.O. - Branch a/c reconciliation including interbranch reconciliation. Involved in compliance with the Statutory Liabilities like; TDS, Sales tax, Professional Tax, Provident fund, preparation and timely submission of various returns etc.Company law works include filling of documents and forms with registrar, Maintaining Board & annual meeting minute book.Some of the clients visited are Show less