Running DSA with NBFC and BANKS

Underwriting of BL and Lap

Bank Audit and Company Audit.Responsible for Audit as Per CA requirementCompany statutory Audit.New recruitment.

The work involved sanctioning & disbursement of Personal Loans and Business Loans , Two wheeler , Used Car Loans for Ludhiana Location.Responsibilities • Achieving monthly targets in terms of business volumes, bounce rates, approval rates & delinquency matrix as defined;• Credit analysis & appraisal of Personal and Business loan, TW , Used Car Loans applications, providing credit decisions & ensure policy and process adherence;• Disbursement of Personal and Business , TW… Show more The work involved sanctioning & disbursement of Personal Loans and Business Loans , Two wheeler , Used Car Loans for Ludhiana Location.Responsibilities • Achieving monthly targets in terms of business volumes, bounce rates, approval rates & delinquency matrix as defined;• Credit analysis & appraisal of Personal and Business loan, TW , Used Car Loans applications, providing credit decisions & ensure policy and process adherence;• Disbursement of Personal and Business , TW , Used Car Loans after approvals. • Maintaining low delinquency level & collection of PDDs;• Maintaining portfolio quality, in terms of profile mix, product mix, rates offered, credit approval & consistent feedback on sourcing quality;• Conduct audits in other regions & ensure feedback, looping on policy basis audit to the credit and sales team;• Daily monitoring of FI, RCU, Legal & Technical Agencies.• Training of FTEs and Channel Partners & preparation of various MIS reports. Show less

 Bank Audit and Company Audit. Responsible for Audit as Per CA requirement Company statutory Audit.  Handling entire RCU activities of Ludhiana , Chandigarh.  Creation of a profitable portfolio through are disbursal document/Profile checks of loan applications of all products including PL;LAP;HL;SME;MORTGAGE and ME . Offering reduced TAT for faster decisioning and closure of deals and at same time ensuring accurate status on proposal in question.  Monitoring… Show more  Bank Audit and Company Audit. Responsible for Audit as Per CA requirement Company statutory Audit.  Handling entire RCU activities of Ludhiana , Chandigarh.  Creation of a profitable portfolio through are disbursal document/Profile checks of loan applications of all products including PL;LAP;HL;SME;MORTGAGE and ME . Offering reduced TAT for faster decisioning and closure of deals and at same time ensuring accurate status on proposal in question.  Monitoring External Risk Control Executive for all locations under my purview. Show less

The work involved sanctioning & disbursement of Personal Loans and Business Loans for Ludhiana Location.Responsibilities • Achieving monthly targets in terms of business volumes, bounce rates, approval rates & delinquency matrix as defined;• Credit analysis & appraisal of Personal and Business loan applications, providing credit decisions & ensure policy and process adherence;• Disbursement of Personal and Business Loans after approvals. • Maintaining low delinquency… Show more The work involved sanctioning & disbursement of Personal Loans and Business Loans for Ludhiana Location.Responsibilities • Achieving monthly targets in terms of business volumes, bounce rates, approval rates & delinquency matrix as defined;• Credit analysis & appraisal of Personal and Business loan applications, providing credit decisions & ensure policy and process adherence;• Disbursement of Personal and Business Loans after approvals. • Maintaining low delinquency level & collection of PDDs;• Maintaining portfolio quality, in terms of profile mix, product mix, rates offered, credit approval & consistent feedback on sourcing quality;• Conduct audits in other regions & ensure feedback, looping on policy basis audit to the credit and sales team;• Daily monitoring of FI, RCU, Legal & Technical Agencies.• Training of FTEs and Channel Partners & preparation of various MIS reports.• Got 500k approval authority Show less

 Recommending Credit appraisal of Personal Loan Files as per observations of personal visit Preliminary Credit appraisal and operation check. Establishment of whole location in terms of setting up of Central processing agency, Document verification agency, Contact point verification agency and whole risk setup to monitor and access the amount of risk involved. Credit Evaluation of retail loan proposals involving financial evaluation, applicant profile assessment and eligibility… Show more  Recommending Credit appraisal of Personal Loan Files as per observations of personal visit Preliminary Credit appraisal and operation check. Establishment of whole location in terms of setting up of Central processing agency, Document verification agency, Contact point verification agency and whole risk setup to monitor and access the amount of risk involved. Credit Evaluation of retail loan proposals involving financial evaluation, applicant profile assessment and eligibility assessment basis Bank’s Credit Policy parameters. Manage the Credit Verification Agencies for supporting the Credit Decision process Responsible for maintaining the portfolio quality both in terms of cheque bouncing ratio and numbers & value of non starters. Responsible for credit policy adherence – PAR & credit review, Credit quality and Turn around time Responsible for people skill – Sales/ Agency / Support staff and level of quality of interaction with sales / CPU/ other deptt. Co-ordination with Operation Department for Reconcile the Disbursal data & Freeze the Monthly disbursal Figures for Location. Credit analysis of Financial of Customer. Monitoring of post disbursement documents required for capitalization. Show less

The work involved sanctioning & disbursement of Personal Loans and Business Loans for Ludhiana Location.Responsibilities • Achieving monthly targets in terms of business volumes, bounce rates, approval rates & delinquency matrix as defined;• Credit analysis & appraisal of Personal and Business loan applications, providing credit decisions & ensure policy and process adherence;• Disbursement of Personal and Business Loans after approvals. • Maintaining low delinquency… Show more The work involved sanctioning & disbursement of Personal Loans and Business Loans for Ludhiana Location.Responsibilities • Achieving monthly targets in terms of business volumes, bounce rates, approval rates & delinquency matrix as defined;• Credit analysis & appraisal of Personal and Business loan applications, providing credit decisions & ensure policy and process adherence;• Disbursement of Personal and Business Loans after approvals. • Maintaining low delinquency level & collection of PDDs;• Maintaining portfolio quality, in terms of profile mix, product mix, rates offered, credit approval & consistent feedback on sourcing quality;• Conduct audits in other regions & ensure feedback, looping on policy basis audit to the credit and sales team;• Daily monitoring of FI, RCU, Legal & Technical Agencies.• Training of FTEs and Channel Partners & preparation of various MIS reports. Show less