--Managed a wide range of locations, including G.B. Nagar, Ghaziabad, Meerut, Hapur, Bulandshahr, Bagpat, Shamli, Muzaffarnagar, Saharanpur, Dehradun, Haridwar, Uttarkashi, and Agra.--Conducted comprehensive audits for gold loans, DSA audits, and collection agency audits.--Oversaw Tractor Loans, Small/Light/Heavy Commercial Loans, Commercial Equipment Loans, and Auto Loans (new and reference).--Managed the complete loan process from sampling to disbursement, ensuring thorough post-activity investigations.--Coordinated sampling activities centrally to maintain consistency and accuracy.--Cultivated and managed vendor relationships, ensuring accurate daily reporting, optimized turnaround times (TAT), efficient management information systems (MIS), and streamlined billing processes.--Developed and conducted comprehensive training programs for field teams, focusing on current fraud trends and advanced detection techniques.--Led thorough investigations and resolutions of pre- and post-disbursal negative and fraud cases, enhancing overall operational integrity.--Implemented robust deterrence measures to prevent malpractices and uphold compliance standards across branches

--Managed locations in HDFC Bank i.e. Meerut, Baghpat, Hapur, Bulandshahr, G.B Nagar, etc.--Key products handled Consumer Durable.--Handled categorization of delinquency levels to each product as per Bucket size-X ,30+, 90+.--Handled and monitored NPA Accounts, made triggers for controlling frauds. Delivered the delinquency targets.--Resolved operational issues.

--I am in L&T RCU ARM (Area Risk Manager ) I see here Secure & Unsecure Loan LAP & HL In this we are Screen Sampling Fraud Investigation, Investigation, Hunter. --Supervision of RCU Screening & Sampling process of HL & LAP portfolio at Pre-Disbursal and PostDisbursal.--Scrutinizing and supervision of the Hunter alerts for Home Loan/LAP products.--Vendor management, Monitoring of daily reporting, TAT, MIS and Billing.--Training to the field team periodically for awareness about the fraud trends and motivating to improve theDetecting reasoning in an efficient and effective manner.-- Collateral Management, minimizing the CNV ratio where RCU vendors fail to accomplish the Verification.--Detailed investigation of the pre & post disbursal Negative & Fraud cases.--Investigation on non-starter cases/referral cases by credit & collection.--Branch monitoring to keep watch on mal-practices for setting deterrence.

--Checking, verifying and processing the documents which are sales team submitted for various lendingproducts.--Checking, verifying and processing current account and saving account documents.--Ensure compliance with all internal guidelines and processes.--Ensure quality of logins to reduce the TAT in processing of loans and current account opening.--Ensuring compliance with all guidelines issued by RBI or any other statutory authority with respect to theconcerned portfolio.--Coordinate with other functions as required, Reduce sales rejects considerably.

Working as Senior Executive in RIC department. Analysis Loan Files of all Products like Secure & Unsecure KCC,WC, PL ,LAP, BL, CD etc