Rakesh Gupta Email & Phone Number

Kalyan Dombivli, Maharashtra, India

● To perform Credit Manager for Unsecured & Secured Loan in Mumbai Region.● Screening relevant documents of Business Loan as per the checklist.● Analysis of CIBIL Report, MCA Report, Watchout, Google, PAN Card, CA Membership, CRISIL, CFR, Probe42 Report, Credit Rating and Internal Dedupe Report check.● To assess and analyze Business Loan applications starting from KYC to Financials from latest Six Months Banking to CIBIL details, Nature of Business, Industry perspective.● Preparation of financial and analyzing various Ratios.● Preparing a CAM & Customer Obligation in LOS/LMS application.● Appraise loan within defined credit policy guidelines and accordingly take decision & recommend for approval to appropriate authority with proper deviations.● Calculation of eligibility as per Product Policy.● Preparation of the Credit Appraisal Memo covering analysis of Business, Management, Financial and Collateral cover.● Check the Perfios & Bank Account details like Bounces, Internal family transactions and Bank payments, then make a call to customers.● Initiate & Verify the Legal, Valuation, ITR, Financial, FI, Vendor PD & FCU Report.● Personal Discussion with Customer Tele PD & Physically.● To manage the file minimum timely processing of the proposals as per TAT.● Follow up with the sales team for completion of OTC & PDD documents of the portfolio.● To manage all the Vendors Bill & payment for West location.● Coordinate with the Internal Audit Team to resolve the Audit Queries.● Calling Non-starter Customer of EMI Reminder.

Thane, Maharashtra, India

• To perform Credit Manager for Unsecured & Secured Loan in Pan India.• Having Sanctioning Authority till Rs.10 Lakhs.• Screening relevant documents of Business Loan as per the check list.• Analysis of CIBIL Report, MCA Report, Watchout, Google, PAN Card, CA Membership, CRISIL, CFR, Probe42 Report, Credit Rating and Internal Dedupe Report check.• To assess and analyze Business Loan applications starting from KYC to Financials from latest Six Months Banking to CIBIL details, Nature of Business, Industry perspective.• Preparation of financial and analyzing various Ratios.• Preparing a CAM & Customer Obligation in Sales Force application.• Appraise loan within defined credit policy guidelines and accordingly take decision & recommend for approval to appropriate authority with proper deviations.• Calculation of eligibility as per Product Policy.• Preparation of the Credit Appraisal Memo (CAM) covering analysis of Business, Management, Financial and Collateral cover.• Check the Perfios & Bank Account details like Bounces, Internal family & Group firms transactions and Bank payments, then make a call to customers.• Initiate & Verify the Legal, Valuation, ITR, Financial, FI, Vendor PD & FCU Report.• Personal Discussion with Customer Physically & Tele PD.• To manage the file minimum timely processing of the proposals as per TAT.• Follow up with sales team for completion of OTC & PDD documents of portfolio.• To manage all the Vendors Bill & payment for West location.• Co-ordinate with Internal Audit Team to resolve the Audit Queries.• Calling Non starter Customer of EMI Reminder.

Mumbai, Maharashtra, India

• To perform Credit Manager for Unsecured Loan in West Region.• Having Sanctioning Authority till Rs.5 Lakhs.• Screening relevant documents of Business Loan as per the check list.• Analysis of CIBIL Report, MCA Report, Watchout, Google, PAN Card, CA Membership, CRISIL, CFR, Probe42.in Report, Credit Rating and Internal Dedupe Report check.• To assess and analyze Business Loan applications starting from KYC to Financials, from latest Six Months Banking to CIBIL details, Nature of Business, Industry perspective.• Preparation of financial and analyzing various Ratios.• Manually preparing a CAM & Customer Obligation in Excel format.• Appraise loan within defined credit policy guidelines and accordingly take decision & recommend for approval to appropriate authority with proper deviations.• Calculation of eligibility as per Product Policy.• Preparation of the Credit Appraisal Memo (CAM) covering analysis of Business, Management, Financial and Collateral cover.• Check the Perfios & Bank Account details like Bounces, Internal family transactions and Bank payments, then make a call to customers.• Initiate & Verify the ITR, Financial, FI & FCU Report.• Personal Discussion with Customer Physically & Tele PD.• To manage the file minimum timely processing of the proposals as per TAT.• Follow up with sales team for completion of OTC & PDD documents of portfolio.• To manage all the Vendors Bill & payment for west location.• Co-ordinate with Internal Audit Team to resolve the Audit Queries.• Calling Non starter Customer of EMI Reminder.

Mumbai Area, India

• To perform Credit Analyst for Unsecured Loan in Mumbai Region.• Screening relevant documents of Working Capital Loan, Overdraft & Business Loan as per the check list.• Analysis of CIBIL Report, MCA Report, Watchout, SMA, Google, PAN Card, CA Membership, CRISIL, CFR, Probe42 Report, Credit Rating and Internal Dedupe Report check.• To assess and analyze Business Loan applications starting from KYC to Financials, from latest Six Months Banking to CIBIL details, Nature of Business, Industry perspective.• Preparation of financial and analyzing various Ratios.• Manually preparing a CAM & Customer Obligation in Excel format.• Calculation of eligibility as per Product Policy.• Check the Perfios & Bank Account details like Bounces, Internal family transactions and Bank payments, then make a call to customers.• Create Sanction Letter, TVR Report and Initiate & Verify the ITR, Financial, FI & FCU Report.• To manage the file from login to disbursement and timely processing of the proposals as per TAT.• Follow up with sales team for completion of OTC & PDD documents of portfolio.• To manage all the Vendors bill & payment for West location.• Co-ordinate with Internal Audit Team to resolve the Audit Queries.

Mumbai Area, India

• Screening relevant documents of Working Capital Loan as per the check list.• Analysis of CIBIL Report and Dedupe.• Preparation of financial and analyzing various Ratios.• Create Company Balance Sheet.• Check Customer Obligation.• Calculation of eligibility as per Product Policy.• Preparation of the Credit Appraisal Memo (CAM) covering analysis of Business, Management, Financial and Collateral cover.• Check the Bank Account details like Bounces, Internal family transactions and Bank payments, then make a call to customers• Timely processing of the proposals as per TAT.

Thane, Maharashtra, India

• Affordable Housing Finance CAM, this involves assessing views on all potential scheme andpolicy allotted by the company in current process.• Conducting regular screening of each and every sourcing depend on the feedback received from various departments like Credit & Sales.• As pilot process has lent support to the backend function of LOS for the better development of process.• Manually preparing a CAM in Excel format and Create Company Balance Sheet & CheckCustomer Obligation.• Make a call to customer and take information about customer's profile. Scrutinize KYC document of customer required for loan.• Enduring fulfillment of all credit preconditions such as proof of Residence ID Proof, Bank Statements, ITR & Repayment Tracks, Family background & Income details.• Checking CIBIL & Dedupe defaulter list to filter fraudulent profile• To plot all issued documents of RTR and Banking.• Check the Bank Account details like Bounces, Internal family transactions and Bank payments, then make a call to customers• After all information's collected by customer same as written on CAM format and same as it is pitch on Finn One software then send to BCM (Branch Credit Manager) or respective.• Consolidated data or Reports on Daily and Monthly Basis Reporting.

Mumbai, Maharashtra, India

• Mobile Insurance Documentation.• Document Verification.• Claim Approval.• Mail to Customer regarding query related and approval in documents.

Thane, Maharashtra, India

• Check the inward files which scan by Branch User as per policy, scheme &Segment wise on the LOS. At the time of login check KYC of the customer, banking, Income docs, Deal IRR, sourcing letter as per Segment & Scheme wise.• This involves assessing views on all potential scheme and policy allotted by the company in current process.• Conducting regular screening of each and every sourcing depend on the feedback received from various departments like credit & Sales.• As pilot process has lent support to the backend function of LOS for the better development of process.• Credit Approval management.

Bachelor Of Banking & Insurance, Banking, Finance And Insurance

Activities and Societies: CricketMumbai University

Master Of Business Administration - Mba, Finance, B

Activities and Societies: FinanceFinance