•Conducting PD to analyzing creditability and repayment capacity of the potential customers.• Recommendation note of Mediums ticket ( 10 Lac to 7.50 Cr. ) proposal with suggestive mitigates of the profile• In Prime Lap ticket size is 10 Lac to 7.50 Cr. Now Also manage Micro Lap Vertical and ticket size is 5 Lac to 25 Lac and Now extend 25 Lac amount to 50 Lac maximum loan amount. Sanctioning authority 30 Lacs.• Training to sales and credit team on regular basis to update policy and market challenges.• Managing CPA and Monitoring on TAT and Managing multiple location • Preparation & decision of credit proposal of loan according to the compliance & policies discussion on applicant & Co-Applicant's business place & house or/and commercial property valuation.•Identifying risk associated with LAP and other related product & raising them to appropriate approving authority ( ACM , RCM, ZCM & ZBH , NCM & BH ). •Analysis of various financial statement of applicant & Co-Applicant's .• Coordinating vendors to ensure legal/technical and Fl reports.• Support sales in achieving delegated organizational targets keeping in view quality of portfolio, reducing delinquency to minimum level and to attend to and resolve customer complaints.• Ratio Analysis Report and statistical reports for sanctioning and disbursement procedures.• Feasibility study, credit appraisals.

•Preparation & decision of credit proposal of Loan according to the compliance & policies discussion on applicant & Co-Applicant's business place & House valuation . •Identifying risk associated with Home Loans (House Construction, Home improvement , Home Refinance , Home loan BT , House purchases , Land plus house construction & LAP).•Recommended case to appropriate approving authority (PCM & CCM,RCM, Centeral Credit Manager ,NCM , CRO , Committee & CEO). •Analysis of various financial statement of applicant & Co-Applicant's. •Coordination with Legal, Technical, sales, local vendor and respective authority of Au SF Bank

In Aavas My Credit Manager as a Role :- Preparation & decision of credit proposal of Loan according to the compliance & policies discussion on applicant & Co-Applicant's business place & House valuation . Identifying risk associated with various Loans (House Construction, LAP, MSME & Other ) & raising them to appropriate approving authority (A.C.M & SCM, Assembly owner , Credit & Risk Head, CRO & CEO). Analysis of various financial statement of applicant & Co-Applicant's. Coordination with Legal, Technical, sales, local vendor and respective authority of the Aavas Financiers Ltd and also received 10 Lac sanction Underwriting within 1st year of joining.

started taxation and accounting work

CA E Learning coaching institute

NCC:- "A","B" &"C" All three Certificates Achieved