Risk underwriting of Secured loans i.e., Loan again property – Gujarat region. Responsible for maintaining healthy portfolio of Ahmedabad, Himmatnagar, Palanpur, Jamnagar, Surendranagar, Rajkot, Nadiad, Vadodara, Surat, Ankleshwar, Vapi, Dahod and Godhra. Managing team Cluster / Branch Credit Managers and Credit Officers. Review Portfolio Quality in respect of Delinquency / Fraud with Credit & Collection team. Looking into key account of location and regularly reviewing. Regularly coordinating with various vendors including legal & technical vendors to monitor collateral values. Proving suggestion & feedback for necessary changes in the policy look towards the market scenario & competition. Proving early-warning inputs regularly through market, industry and customer level feedback in order to avoid surprise delinquencies. Conducting PD with customer at their business place to understand their business and industry.

Risk underwriting of Secured loans i.e., Loan again property – Nava Vadaj Cluster. Responsible for maintaining healthy portfolio of Navavadaj Cluster, Ahmedabad.Managing team Credit and Ops officers. Regularly coordinating with various vendors including legal & technical vendors to monitor collateral values. Proving suggestion & feedback for necessary changes in the policy look towards the market scenario & competition. Looking into key account of location and regularly reviewing. Proving early-warning inputs regularly through market, industry and customer level feedback in order to avoid surprise delinquencies. Conducting PD with customer at their business place to understand their business and industry. Responsible for audit queries resolve on priority with justify answers providing suggestion & feedback for necessary changes in the policy look to words the market scenario & competition. Surveillance branch operations activity like legal and technical subject condition scrutinized before handover to Ops.

 Handling high value files, Personal discussion and visit to the customer business commencing place for analysis of business and justify cash flow as per industry scale.  Work of all types of files (Home loan, Loan against property, Top up, Non – Residential Premises) After in Positive PD cases recommendation to Credit Committee level.  Before proposal checking point of – CAM/Deviations & proper capturing of mitigate/justification.  TAT surveillance of mapped areas. Responsible for maintaining healthy portfolio for branches.  Responsibilities to mitigated delinquent cases. Responsible for audit queries resolve on priority with justify answers providing suggestion & feedback for necessary changes in the policy look to words the market scenario & competition. Surveillance branch operations activity like legal and technical subject condition scrutinized before handover to Ops.

• Risk Underwriting of housing loan for affordable segment. • PD conducting at customer business commencing place for analysis of business and justify cash flow as per industry scale. • In case of Positive PD, Initiate Post PD documentation and then after case recommendation. • Making and checking CAM and captured deviation with Mitigate. • Responsible for file login to disburse Process complete within TAT. • Responsible for maintaining healthy portfolio for branch. • Responsible for audit queries resolve on priority with justify answers providing suggestion & feedback for necessary changes in the policy look to words the market scenario & competition. • Monitoring branch Operations activity like legal and technical subject condition scrutinized before handover to ops.

• Pre-screening of login files • Data Entry on online Finn One/CRM next /Omni flow • Conducting credit checks (De-dupe, Bureau, TVR, FI, FCU, PD, Hunter match with Credit Decision) • Co-coordinating with verification agencies (Field Investigation, FCU,PD) • Maintaining branch MIS (Login, Disbursal, Dispatch) • Handling disbursement to LAN process • Quality check of Post Approval docs • Start to End Process within TAT. • Assuring FTR > 95%

Credit and Risk