Rahul Sarode Email & Phone Number

Pune, Mh, In

Pune, Maharashtra, India

• Conduct personal discussion with customers to establish creditworthiness & ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.• Assess income to obligation ratios, in-depth knowledge of rationale behind calculation of ratios and its impact on loan performance during the loan tenure.• Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.• Ensure collateral & other credit risk mitigation to facilitate the approving authority to take decisions on the credit proposal.• Facilitate critical review & documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies.Additional vital role playing in Credit digitization for BL & LAP. • Lead the migration of lending systems to a new platform, serving as the primary liaison between business stakeholders and development teams & developed Detailed Business requirement document for newly on boarded platform Single LOS System.• Conducted User Acceptance Testing (UAT) sessions, overseeing test case creation, execution, and defect resolution to validate system functionality and user experience.• Prepared change requests (CRs) and Business Requirements Documents (BRDs) for checks & necessary system changes as per Policy for underwriting digitalization & Testing of FICO BRE on postman as per DHW Rules & Monitor it in Production.• Demonstrated an understanding of the organization's process flow and collaborated with multiple departments to streamline & digitalize new policy checks.• Contributed to post-implementation reviews and continuous improvement initiatives, leveraging feedback to optimize system performance & user satisfaction.

Pune Area, India

Underwriting • Implementation of Credit Policy and continuous evaluation to ensure adherence to the Policy and compliance with the Authority Matrix at branches in the area assigned.• Reporting of location metrics like Login, Approval, Disbursal, Rejection, Deviation on monthly basis as per prescribed format.• Keeping delinquency under control.• Compliance of policy and processes.• Maintain the good TAT.• Handling the overall portfolio and maintain the portfolio on every month with good position.• Maintain the better relationship with counterpart like Risk and operation's

Pune Area, India

Analyzing and reading portfolio statementsTo complete the daily targets with error free data deliveriesUnderstanding of different kinds of Investment portfolios and accordingly developing transaction treatment rulesUnderstand production processes and help the team members to streamline itPerform quality check on the data and reports to be deliveredDocument all newly developed rules and updates done in daily work flow

Pune Area, India