Managing Sales for Home Loans, LAP and Construction Finance, focus on affordable housing loans, green building certified projects and construction finance, small ticket size Mortgage loan for MSME customers

Managing Underwriting, Policies, Risk formulation for Home Loans Portfolio PAN India. Formulation of region wise collateral policies, formulation of underwriting process matrix and LOS system

Managed PAN India underwriting and policies for mortgages including affordable Home loans based out at Central Office. Review of Mortgages risk dashboard and portfolio on timely basis. Experience to manage Gujarat and MP region for all retail assets product

* To Provide Credit Output within prescribed TAT* Started Mortgages Business and successfully developed business across Gujarat and also developed three locations in Gujarat.* Co ordination with Policy team and quality control team for effective formulation and adaption of policy.* Analysis of performance of portfolio.* To Provide Credit out put in prescribed TAT by analysing financial stat., banking and business generation capacity.* To Maintain branches in terms of low deliquency.* To provide credit output by considering risk matrix, deviation delegation matrix.* To Provide Training to process team for business development aspect and make them to strictly adhere to process and policies.* Successfully carried out due deligence activities for acquisitions of new portfolio and hindsighting was also carried out

Managed portfolio of Mortgages/HL/PL/BL/OD/CC and Education loans for Ahmedabad and Rajkot Location. Successfully developed both locations and maintained both locations at NIL Delinquencies.

Managed HL and LAP Product for Gujarat Market.

* Worked as a management trainee.* Co ordinated with executive director for identification of EPC vendor * Closely worked on identifying natural gas distributor for project at Surat.* Analysed and scrutinised financial documents like Letter of Credit, Bill discounting, Performance Guarantee, bank guarantee.* Formulation and evaluation of EPC commercial contracts including terms for insurance, performance guarantee, vendors' responsibility and arbitration.