Manage the Credit, Operational & Verification Process from start to finish. Create Credit Risk Policies for all HL products. Drive underwriting and verification process automation with rile- based decision making. Implementation of a New Credit Tools. Preparing customer service SOP, guidelines and a monitoring matrix. Undertake all the business process changes activities by identifying process gaps. Place the process change proposals before the top management & issue necessary circulars to staff for effective implementations. Liaise with external auditor for compliance & coordination’s. Track & monitor all the compliances stipulated at the time of sanction & ensure that they are adequately closed within the planned time frame.

To provide assistance in credit appraisal process of Home loan which includes processing the cases of Salaried SENP,SEP clients, Co-coordinating with FI Agencies, Valuyers & Lawyers etc. Credit Processing Handling Locations.... (Jodhpur, Pali, Beawer, Phalodi, Balotra, Pipad, Sumerpur, Sirohi & Aburoad). Processing & calculating eligibility files Salaried, Sep & Senp. Forwarding Credit Appraisal of all cases for approval. Analysis of the financial statement & the business of the loan applicants. Applicants where in the basic intention is to judge the ability & intention of the customers to repay the loan. The critical analysis of cash flows, asset base, liquidity ratios etc. over the past 3 yrs. Analyses of customer financials and Banking’s. PD Visit of Customer residence, Property as well Business premises. Analysis CIBIL of each & every cases & analyses his another loans History on DPD section may be STD, SMA, SUB, LSS etc.

Worked with HDFC Bank Retail Branch Banking at Jodhpur & Sheoganj Branch Assistant Branch Manager Teller/Teller Authorizer. Handling Cash counter & all operational works with ensuring cash receipts, Payment & ensuring transactions are carried out within prescribed Tat. Identify Depletion customers & control them. Identification of customers regularly visiting the branch & diverting them to Direct Banking channel. Register Updation for cash transactions including 8 registers of branch. RTGS/NEFT, Fund transfer, Interaction with customers for their relevant queries and solved them. Control over Lockers with handling of all operational work of Branch.

Worked with AU Financiers Barmer branch from as a Credit Manager & Sumerpur Branch Handling Sumerpur branch as a Senior Credit Executive. The job is to finalize the auto loan & CV. eligibility of the customer that includes the analysis of the financial statement & the business of the loan applicants where in the basic intention is to judge the ability & intention of the customers to repay the loan. The critical analysis of cash flows, asset base, liquidity ratios(3 year. The job responsibility starts from the getting the file documentation completes as per credit required norms, and it ends with handing over of cheque to the Dealer/customers. Forwarding Cases to Higher authorities for taking credit approvals of each & every case. The job is to finalize the auto loan & CV eligibility of the customer that includes the analyses of the financial statement. Regularly training the Sales fleet on strong counting approximately 10 peoples. Worked in Auto Loan department as a Credit Manager dealing in both New & Refinance Vertical.

Worked as a Branch Accountant (Credit Manager) With Mahindra Finance Service Ltd, at Barmer & at Sikar location. The job responsibility starts from the getting the file documentation complete as per Credit required norms, and it ends with handing over of cheques to the Dealer/customer. Follow up with Branch Manager & Executives for deviation notes for Pre Closed, repossessed sold & loss cases. Ensure collection of physical verification of lease & own assets & balance confirmation. Keeping control of NOC Book. NOC is to be signed after ensuring proper supporting is made available. Educate & Training other employees to take care of above activities & also make them understand system usage recovery & NPA Projection. Auto Loan Vertical handling both New & Refinance at Barmer & Sikar Location.

Worked as a Credit Officer (Senior Associate) with ICICI Housing Finance Ltd. Jodhpur. To provide assistance in credit appraisal process of Home loan which includes processing the cases of salaried SENP,SEP clients, Co-coordinating with FI Agencies, Valuyers & Lawyers etc. Credit Processing Handling Locations.. (Pali, Balotra, Barmer, Jalore, Sirohi, AbuRoad, Sumerpur, Jodhpur ets. with Bikaner spokes also)Processing & calculating eligibility files Salaried, Sep & Senp. Forwarding Credit Appraisal of all cases for approval.(DRF) & also analyses of customer financials and banking’s. Preparation of Monthly and Daily MIS. Interaction with DST’s, DSE’s, And DSA. Interaction with Customers for their relevant queries also doing PD with our seniors and individual also. Generate CIBIL of each & every cases & analyses his another loans History on DPD section may be STD,SMA,SUB,LSS etc. Handling all spokes location from Jodhpur