Sameer Vora Email & Phone Number

Mumbai

• Responsible for ensuring timely and accurate billing to customers, timely collection of receivables, interact with customer counterpart for receivables.• Responsible for proper accounting of collection, maintaining receivables reconciled all the time• Liaise with Branch Accountants / Receivables collection team & Billing Team for collection of receivables, VAT certificates, accounting of CN / DN.• Prepare, review and submit accurate age wise analysis of receivables.• Prepare monthly collection plan and submit monthly Plan vs. Actual collection variance report• Keep track of deductions and liaise with Operations team for clarification on deductions.• Direct Co-Ordination With Business Leaders And Regional Managers To Improve Dsos And Bring Them To Bp Levels.• Separate Disputed Receivables From Regular Receivables And Take Legal /Management Help Where Necessary To Close These Accounts ASAP.• Review All Schemes and Their Adequacy and Applicability with the Help of Business Heads.• Furnish financial information to management on an ongoing basis, as required.

• Credit appraisal of personal loan applications based on Analysis of Financial Statements / Income documents of the applicants, Reports from data verification teams, credit information bureau & evaluation of credit risk through personal Discussion with the Client.• Calculating Various Financial ratios before arriving to final Disbursement Figure.• Have to update each case or file in Fin one Software so that the same file in the name of customer or corporate doesn’t get disbursed through Pan India.• Maintaining Daily as well as monthly MIS.• Managing the FI agency for TAT, following up with RCU agency for fraudulent check on each docs of a file, check on the CIBIL reports for each file.• Analyzing the FI agencies time and again for accurate results. Also responsible for visits to be done of certain areas to mark the do-able and do not areas. • Responsible for taking PD with the customer when required and preparing the budget for the same and also checking the deviations raised in the file. • Involved in handling the entire branch operations i.e. Credit, Collections/Delinquency, Administration and the entire profitability of the branch.• Chosen By regional Credit manager for providing Policy & Compliance Training to build DST Channel based out in Mumbai including Sales Manager• Authorizing the disbursement in accordance with the policy guidelines. • Conducting regular trainings for the Processing team to increase their productivity.• Delivering the credit assessment targets within the required turnaround time (TAT).• Analysis reject & delinquency data at branch level.• Handle team of 12 Back Office Staff.

Recruitment, training & development and retention of executives & DCA's (manage collection agency prime business) and a team of collection executives for collections.Managing collections portfolio specifically soft Buckets.Ensuring that the requisite resolution & rollback targets are met.Interacting with individual customers to understand the exact customer complain service issues & resolve them within TAT, thereby leading to win-win relationship.Ensuring satisfactory audit rating.Maintaining adherence amongst agencies towards bank's policies & making them audit compliant.Reviewing Customer's Overdue Accounts.Required to identify, assess, & resolve issues/Problems within collections area of responsibility.Monthly Meetings with Collection executives for targets.Does Visit to high value unpaid account, resolve issues and convince customers to pay.

Mumbai

• Credit appraisal of personal loan applications based on Analysis of Financial Statements / Income documents of the applicants, Reports from data verification teams, credit information bureau & evaluation of credit risk through personal Discussion with the Client.• Calculating Various Financial ratios before arriving to final Disbursement Figure.• Have to update each case or file in Fin one Software so that the same file in the name of customer or corporate doesn’t get disbursed through Pan India.• Maintaining Daily as well as monthly MIS.• Managing the FI agency for TAT, following up with RCU agency for fraudulent check on each docs of a file, check on the CIBIL reports for each file.• Analyzing the FI agencies time and again for accurate results. Also responsible for visits to be done of certain areas to mark the do-able and do not areas. • Responsible for taking PD with the customer when required and preparing the budget for the same and also checking the deviations raised in the file. • Involved in handling the entire branch operations i.e. Credit, Collections/Delinquency, Administration and the entire profitability of the branch.• Chosen By regional Credit manager for providing Policy & Compliance Training to build DST Channel based out in Mumbai including Sales Manager• Authorizing the disbursement in accordance with the policy guidelines. • Conducting regular trainings for the Processing team to increase their productivity.• Delivering the credit assessment targets within the required turnaround time (TAT).• Analysis reject & delinquency data at branch level.• Handle team of 12 Back Office Staff.

Credit appraisal of personal loan applications based on Analysis of Financial Statements / Income documents of the applicants, Reports from data verification teams, credit information bureau & evaluation of credit risk through personal Discussion with the Client.Calculating Various Financial ratios before arriving to final Disbursement Figure.Have to update each case or file in Fin one Software so that the same file in the name of customer or corporate doesn't get disbursed through Pan India.Maintaining Daily as well as monthly MIS.Managing the FI agency for TAT, following up with RCU agency for fraudulent check on each docs of a file, check on the CIBIL reports for each file.Analyzing the FI agencies time and again for accurate results. Also responsible for visits to be done of certain areas to mark the do-able and do not areas. Responsible for taking PD with the customer when required and preparing the budget for the same and also checking the deviations raised in the file. Involved in handling the entire branch operations i.e. Credit, Collections/Delinquency, Administration and the entire profitability of the branch.Chosen By regional Credit manager for providing Policy & Compliance Training to build DST Channel based out in Mumbai including Sales ManagerAuthorizing the disbursement in accordance with the policy guidelines. Conducting regular trainings for the Processing team to increase their productivity.Delivering the credit assessment targets within the required turnaround time (TAT).Analysis reject & delinquency data at branch level.Handle team of 12 Back Office Staff.

Coordinating & Assisting the Financial Audit.Prepare & maintain the budget & Cash Flow Sheet.Handle credit Control; General Ledgers; Bank Reconciliation.Develop & Produce different finance reports to management as & when required.Timely Preparation & Closing of Books of accounts, P&L Statement.Day to Day Accounting Operations.To ensure accurate & timely Completion of billing & submission of Invoices to customers.Collection of billing within the agreed Credit Period.Reconciliation of Debtors.Issuance of Debit/Credit Notes to customers for settlement balance confirmation & reminders to clients.Collection of TDS Certificates from Customers.Prepare & Analyze Debtors ageing report; Accounts Payable reports & other reports.Maintaining a proper filing system to ensure that all documents are stored properly & in a systematic way to ensure easy access at all times.

Conduct personal discussion with the customers.Assess the ability and intension to pay of the customer based on the visible proofs, documents submitted by the customers and personal discussion.Assign a credit limit based on the outcome of discussion and the documents submitted by the customer.Check the documents submitted by the customer and assess any possibilities of a fraud been committed.Work towards better understanding on the credit policy and ensure higher level of credit certifications.Support credit process rationalization efforts in order to deliver on TATs.Ensure that all aspects of the credit business are strictly adhered to in line with the Group Policies.To ensure & monitor post sanction, pre & post disbursement compliances which broadly covers operational risk in the wholesale lending portfolio. Supporting the branch to achieve successive targets.SkillsConceptual & Analytical SkillsComputer Basics (MS Office)Strong Credit Assessment Skills (Evaluation)Project DetailsProject Title Analysis of Average revenue per user & effective rate on post-paid connections month-on-month.

Project Details Analysis of Average revenue per user generated from different bill plans on highest effective rate on post-paid connections month-on-month Project Duration (Months) 2 Months

General, English, Maths, Science

Activities and Societies: NANA

Education record

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