Puja Parashar Email & Phone Number

Bangalore

worked as a credit manager for Toyota financial services LTD an captivfinance company. Funded to retail- salaried and self employed, corporate, vendor

India

•Aug 2016 to Till date, HDFCBank Ltd, BangaloreWorked in Bank as on the role of Credit Manager- deputy manager, Secured and unsecured loan product as under, Personal Loan underwriting of case. Following are my key roleQuality and uniform credit appraisal, underwriting and recommendation of loans.Ensuring that all credit processes are followed and policy norms are implemented.Checking disbursements and ensuring collateral perfection.Credit TATs within acceptable levelsEnsuring timely decision of cases.Ensuring a quality credit portfolio.Make regular analysis reports to track delinquency and correlate the same with various parameters across the company’s portfolio.Work closely with various teams like sales, collections and operations to constantly improve the credit processesMonitor the login to disbursement processProvide recommendations to management for review of the credit policyMaintain deviation records and track the deviations closely for a better understanding of credit behavior/default.Achievement:-1. High TAT approval rate with "Eagle Eye" 2. Nil default customer track and audit query's.

Bangalore

Worked in Bank as on the role of Credit Manager. Following are my key role• Detailed Financial and risk analysis• Take lending decisions based on available information & interactions with the client’s.• Credit underwriting and making recommendation to competent authority• Manage credit quality and control delinquencies, frauds.• Understand and Maintain credit policy of bank.• Structure the right product to the customer during customer interactions.• Manage the process required for delivering reasonable turnaround time.• Monitor portfolio indicators and ensure that they are within the desired levels.• Coordinating with RCU & Legal Team.Achievement :• Performed outstanding in credit quality and control delinquencies, frauds.• Timely processing of the proposals to ensure the Best in class TAT.

Bangalore

• Handling Operations which comprises of managing customer, operations team, and managing operational activities within the guidelines.• Enhancing liabilities and assets base for the branch.• Handling and scrutinizing complete documentation of the branch.• Directly coordinating with the corporate office and handling the operational section.• Performing effective time management and error less working of the branch. • Directly responsible for analyzing all the reports, to be submitted to all the senior authorities.• Introducing & implementing systems and new projects rolled out by the corporate office to facilitate smooth work flow in the organization• Organize and maintaining Branch’s daily Sales, operations process and collection activity.• Approving authority of sectioning loan.• Approve customer and transactions within authority limits.• Coordinating with internal, external Audit’s, and legal Team. • Maintaining a perfect relation with all the customers and provides them best solution when needed.• To go through with the customer problems and queries and provide them the best solution. Achievement :• Achieving SOH of higher in shortest span of time period for product- Gold Loan, Jeevan Bhima Nagar Branch.• Generated higher number of satisfied customer’s. • Outstanding performer in clearing NPA account, Thippasadra Branch

M• Performing operational process for products like Gold Loan , Insurance, debenture.• Effective lobby management • Extending courteous support to all walk-in customers and educating them about the product & services company offers.• Troubleshooting operations and establishing improved control.• Ensuring proper Verification & Valuation of Collateral Securities and Documents. • Appraise availability of cash position at the Branch/Bank and inform the requirements to the Manager. • Verification of daily cash balance, Fund management, bank account operations and bank reconciliation to be exclusively monitored by the Branch Manager. • Effective handling of software i.e. CBS/ CRM and ensuring all KYC entries in the same. • Processing of Loans & other financial services. • cross selling of all products and achieving of individual & branch targets.• MIS Reporting and Analysis.Achievement :• Participation on Business Development planning, successful launching of Kaggadaspura Branch.• Coordination in Human Resources recruitment and selection.

Bangalore

Worked in Defense Research environment, as Accounts officer for Payroll Section. Following are my key results • Defined process for bank reconciliation work to streamline the process across groups.• Initiated regular brainstorming/informational sessions with banks, corporate office, other division and employees to discuss and close outstanding issues and achieve client satisfaction.• Served as Accounts officer in Payroll handling.• Payroll operation good exposure to processing of reimbursement claims, calculating entitlement, coordinating with employees.• Bank Payment and Reconciliations. • Managing and analyzing of Declared Saving of Employees.• Provided support for Information system integration.• Updating of attendance of the employees. Achievement : • Managed and coordinated computerization of payroll division.• Prepared Income tax calculation tool to help reduction in user queries by 40%.

Master Of Business Administration (M.B.A.), Finance, General

Bachelor Of Commerce (B.Com.), Commerce